Privacy Policy
Terms and Conditions
Last Updated: [02/18/2026]
Important Notice: These Terms and Conditions are a general template provided for informational purposes only and do not constitute legal advice. Insurance laws vary by jurisdiction. You should have a licensed attorney review and customize these Terms before publishing.
1. Acceptance of Terms
By accessing or using this website (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”) and all applicable laws and regulations. If you do not agree, you must not use this Site.
2. Nature of Services
This Site is a contact and information point for life, health, and accident insurance. We may provide educational information and allow you to request a call, schedule an appointment, or submit an inquiry to discuss potential life, health, and/or accident insurance options.
We may connect you with licensed insurance agents/agencies and/or insurance carriers (collectively, “Providers”). We are not an insurance carrier and do not issue insurance policies unless explicitly stated.
Availability of products and services varies by state and is subject to applicable laws, regulations, and carrier requirements.
3. No Insurance Advice
All information provided on this Site is for general informational purposes only and should not be considered legal, tax, financial, medical, or insurance advice. Any discussions with an agent are intended to help you understand potential options; final coverage, eligibility, and pricing are determined solely by the insurance carrier and the terms of the policy.
4. Eligibility
You must be at least 18 years old and legally able to enter into binding contracts to use this Site. By using the Site, you represent and warrant that you meet these requirements.
5. Accuracy of Information
You agree to provide accurate, current, and complete information when submitting forms or applications through the Site. Inaccurate or incomplete information may result in denial of coverage or cancellation of a policy.
6. Quotes and Coverage
Any quote, estimate, or illustration provided through the Site or by a Provider is an estimate only and is not a guarantee of coverage, price, or approval. All life, health, and accident insurance policies are subject to underwriting and carrier approval, and final terms will be set forth in the issued policy documents (if any).
7. Third-Party Providers and Links
This Site may include links to, references to, or integrations with Providers, including licensed agents/agencies and insurance carriers. Providers may have their own terms and privacy practices. We are not responsible for the content, policies, or practices of third-party sites or Providers.
8. Communications, Calls, and Text Messages (Consent)
By submitting your contact information through this Site (including requesting a quote, call, or appointment), you authorize us and/or Providers to contact you at the phone number(s) and email address you provide, including via call, SMS/text message, and email, for purposes related to your inquiry and potential life, health, and accident insurance options.
· Autodialing/recorded messages: Where permitted by law, contact may include automated dialing systems and/or prerecorded/artificial voice messages.
· Your choice: Consent is not a condition of purchase. You may opt out of marketing communications at any time by following opt-out instructions provided in messages or by contacting us.
· Carrier message/data rates: Standard message and data rates may apply.
9. Privacy
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
10. Intellectual Property
All content on this Site, including text, graphics, logos, and software, is the property of the Site owner or its licensors and is protected by intellectual property laws. Unauthorized use is prohibited.
11. Disclaimers
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not guarantee that you will qualify for, be approved for, or obtain any insurance coverage, rate, benefit, or policy. Any insurance decision (including underwriting, eligibility, issuance, and pricing) is made solely by the applicable insurance carrier.
12. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Site or any insurance products obtained through it.
13. Indemnification
You agree to indemnify and hold harmless the Site owner, affiliates, and partners from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles.
15. Changes to Terms
We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Site constitutes acceptance of the revised Terms.
16. Contact Information
If you have questions about these Terms, please contact us at:
Email: onels_@outlook.com