Effective Date: Nov 14th, 2024

1. Acceptance of Terms

By using our website, lifepoliciesplus.com

(the "Service"), you agree to these Terms of Service. If you do not agree to these terms, please refrain from using the Service.

2. Services Provided

We provide insurance-related services, including policy information, application processing, and customer support. We reserve the right to modify or discontinue any part of the Service at our discretion.

3. Eligibility

You must be at least 18 years old to use our Service. By using the Service, you confirm that all information provided by you is accurate and up-to-date.

4. User Accounts and Responsibilities

When creating an account, you are responsible for maintaining the confidentiality of your login credentials. You agree not to share your account with others or to use the Service for unlawful purposes.

5. Privacy and Data Ownership

Your use of the Service is subject to our Privacy Policy. By using the Service, you acknowledge that we will handle your personal information as outlined in the Privacy Policy and that we comply with HIPAA regulations. Your data remains your property, and we act as custodians of your data, only using it for purposes that align with HIPAA and applicable laws.

6. Intellectual Property

All content on this website, including logos, text, graphics, and software, is our property or used with permission. You may not reproduce, distribute, or otherwise exploit our content without our express written consent.

7. Disclaimer of Warranties

Our Service is provided "as is" without warranties of any kind. We do not guarantee the accuracy, completeness, or availability of the Service. We are not liable for any errors, interruptions, or damages arising from your use of the Service.

8. Limitation of Liability

To the fullest extent permitted by law, we disclaim liability for any damages resulting from your use or inability to use the Service. This includes indirect, incidental, and punitive damages, even if we were advised of the possibility of such damages.

9. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes, and your continued use of the Service after such changes constitutes acceptance of the new terms.

10. Governing Law

These Terms are governed by the laws of South Carolina. Any disputes arising from your use of the Service will be resolved in accordance with the laws of South Carolina.

11. Contact Us

For questions regarding these Terms of Service, please contact us at 803-886-0848.