Protect What Matters Most

Email

contact-us@lifeinsurance.net

Address:

113 Cherry Street #88030
Seattle, WA 98104-2205

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Effective 1-1-2016

Updated 10/4/2017

Thank you for visiting Lifeinsurance.net (“Website,” “Site,” or “App”). The Site is owned and operated by Lifeinsurance.net. (“Lifeinsurance.net,” “we,” “us,” or “our”). This privacy policy (the “Privacy Policy”) describes the information that we collect from you when you use our Site or the services that we make available to you through the Site (the “Services”) and what we do with this information. By accessing or using the Site or any of the Services, you hereby agree to the terms of this Privacy Policy and theTerms & Conditions of Use governing your use of the Site and the Services. If you do not agree with this Privacy Policy, then please do not use the Site or the Services. Capitalized terms that are used in this Privacy Policy but not defined shall have the meanings ascribed to them in the Terms of Use.

The Privacy Policy is effective as of the last updated date specified above. In our sole discretion and without prior notice, we may change this Privacy Policy at any time, modify the Site and/or the Services, and/or discontinue the Site and/or Services at any time. Your continued use of the Site or the Services after any such change will constitute your acceptance of any modified terms.

INFORMATION WE COLLECT

Personal Information You Provide

We collect the content and other personal information that you provide when you use the Services, including when you request an insurance quote, apply for insurance, and sign up for an account. The personal information we may collect includes, but is not limited to: name, address, date of birth, phone number, email address, height, weight, social security number, vehicle details, personal and family health information, arrest records, credit score, properties you own or rent, and similar information about family members and dependents. We also collect information about how you use the Site or Services, such as the types of content you view or engage with or the frequency and duration of your activities. Depending on the nature of the Services provided by us to our customers, we may receive personal information either from you directly or from third party partners. We may receive personal information when you create an account on our Site, sign up or request information about the Services, submit an order for the Services, or provide information for the purposes of verification of your identity or fraud prevention purposes.

Payments

If you use the Services for purchases or financial transactions, we collect information about the purchase or transaction. This includes your payment information, such as your credit or debit card number and other card information, and other account and authentication information, as well as billing, mailing and contact details.

Device

We collect passive information from or about the computers, phones, or other devices where you install or access the Site and/or Services, depending on the permissions you’ve granted. This includes, but is not limited to: attributes such as the date and time of your visit; the length of your visit; your operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers; device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals; and connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address. We may associate the information we collect from your different devices, which helps us consistently provide the Services across your devices.

We may use the information collected through the Site for any lawful purpose, including analyzing and tracking the level or type of user activity on the Site, tracking and analyzing usage trends, personalizing the Site to better reflect your preferences, serving more relevant advertisements, or enhancing your and other users' use of the Site. Collected information may be used by third party service providers including but not limited to Heap, Google Analytics, Google Tag Manager, Facebook Pixel, Twitter Pixel, Lucky Orange, Criteo Pixel to provide us with analytics and data management services.

We do not guarantee that we or the Site will take action in response to do-not-track signals or similar mechanisms. Additionally, some third party service providers may still collect tracking information even if you have enabled your browser's do-not-track functionality or utilized a similar do-not-track mechanism.

Information from third-party partners.

We receive information about you and your activities on and off the Site from third party brokers, carriers offering third party insurance products (the “Third Party Providers”), such as information when we jointly offer services with such Third Party Providers, or from a Third Party Provider about your experiences or interactions with them.

Third party information we collect includes, but is not limited to: Google Analytics, Google Tag Manager, Facebook Pixel, Twitter Pixel, Lucky Orange, Criteo Pixel.

Cookies and tracking technology.

We collect information from tracking technology such as cookies and web beacons. Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones, and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this policy, we refer to all of these technologies as “cookies.” Web beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior. We use these technologies to enhance your user experience. To opt out of any personalized advertising please send us an email at contact-us@lifeinsurance.net. You can always turn off all cookies via your browser settings, however if you do so, some features of this Site might now function properly.

HOW WE USE INFORMATION

We collect all of the information described in this Privacy Policy to provide you with the best experience possible in relation to insurance and financial services. We are passionate about personalized experiences. We use all of the information we have to help us provide and support the Services. Possible uses of information include:

Provision of the Services; provide accurate product recommendations and quotes; help first-and-third-party underwriting; provide information for applications; provide or offer other insurance, financial and consumer products and services, including from Third Party Providers; provide, maintain and improve customer service; customize and personalize your experience with the Site and/or Services according to your interests; develop and improve the Site and the Services; respond to your inquiries; and communicate with you regarding your purchases or any other related topics. In addition, we may aggregate your information with our other users’ information and use that information for benchmarking and analysis purposes.

By submitting your personal information either to us or to any of the Third Party Providers, you consent to the use of your personal information as set forth above, and to the transfer of that data to our partners or those individuals or entities we engage to provide Services in connection with your transaction. Your prior written consent is required for any artificial voice or message to your residential phone or any artificial voice or prerecorded message or an automatic telephone dialing system to your mobile phone in each instance that offers or markets our products or the Services to consumers or that have a telemarketing purpose. We may obtain your prior written consent when you do the following: sign up for an account for the Services and opt-in to receive such phone calls (see ourTerms of Use Policy); respond to our text message requesting if you wish to opt-in; and/or respond to our telephone call via a keypress or voice recording. You may opt-out at any time. By submitting your information to Lifeinsurance.net through the Site or the Services, you provide your affirmative consent that Lifeinsurance.net and the Third Party Providers may collect, use, rent, share, or otherwise disclose any information submitted or collected through the Site or the Services; that Lifeinsurance.net and the Third Party Providers may contact you via any contact method you provide, including email and telephone; and that Lifeinsurance.net may disclose your contact information to the Third Party Providers, and that such Third Party Providers may contact you via commercial email, telephone, or any other communication method, irrespective of any prior registration on the National Do Not Call Registry. You hereby consent to receive auto-dialed and/or pre-recorded telemarketing calls from or on behalf of Lifeinsurance.net and the Third Party Providers at the telephone number you provide. You understand that consent is not a condition of purchase or receipt of services.

We communicate with you through one or more of the following means: phone including an automated dialer, SMS, physical mail, email, notices posted on the Lifeinsurance.net Site, messages to your Lifeinsurance.net inbox, and other means available through the Services, including mobile text messages and push notifications. Examples of these communications include: transactional communications, welcome and engagement communications, service communications, promotional communications, and sales communications. Please be aware that you cannot opt out of receiving notification messages from us concerning the Services. We take your information and privacy very seriously and strive for 100% CAN-SPAM and TCPA compliance. Please contact us directly at contact-us@lifeinsurance.net if you discover any issues.

INFORMATION SHARING

In some circumstances, we may share your information with Third Party Providers such as insurance carriers, brokerages, and agents offering products and information made available to you through the Services. This includes any parent companies, subsidiaries, join ventures, or other companies under common control with us. These companies may then contact you outside of the Services via automated dialer, SMS, or email, without your direct knowledge or a pre-set appointment.

We may use third party vendors to assist us with the Services. Some examples of the assistance that may be provided by third party service providers are: monitoring and analyzing Site activity, operations and marketing, hosting the Site, and maintaining our database. It is possible that some of these service providers will be located outside of the United States. We may share your personal information with these third parties but only as necessary for them to perform their functions and to the extent permitted by law. Use of your personal information by these third party vendors is governed by their own privacy policies and procedures and not by this Privacy Policy.

As we develop our businesses, we might sell or buy other’s businesses or assets. In the event of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of your personal information may be part of the transferred assets.

To the extent permitted by law, we may also disclose your personal information when required by law, valid court order or subpoena; to cooperate with law enforcement or other governmental investigations (without necessarily requiring the law enforcement or government agency requesting the information to formally serve us with a subpoena); when we believe it is needed for fraud protection and/or credit risk reduction; and/or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others. We also reserve the right to report to such entities any activities that we believe to be unlawful. Any report of such activities will be made without prior notice to you, and you consent to such disclosure by us.

SECURITY

We implement security measures to maintain the safety of your personal information when you enter or submit your personal information. We follow generally accepted industry standards to protect the information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to protect your personal information and we make all commercially reasonable efforts to do so, we cannot guarantee the security of any information you transmit to us, and you provide such information at your own risk. Once we receive your personal information, we make our best efforts to ensure its security on our systems. You agree that Lifeinsurance.net is not liable for any breach of security due to its actions or inactions, or those of any third party host.

CHILDREN

We do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not give us any personal information. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Privacy Policy by instructing their children to never provide personal information through Internet without their permission. We store information of children under 13 if submitted by a legal guardian for example, if a child is on a health insurance policy, or if a child is a beneficiary.

EXTERNAL SITES

This Privacy Policy applies to all information that you provide on the site. We may place links to Third Party Providers’ websites and may include information and links to such websites in our emails. When you visit websites to which ours links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a Third Party Provider’s site, the data collected by the Third Party Provider is governed by that Third Party Provider’s privacy policy. A Third Party Provider’s site will also have its own policy regarding the use of cookies and web beacons. We will not be responsible for the actions of any third parties, including any Third Party Providers. We encourage you to review the privacy policies of any Third Party Provider from whom you request services. We shall have no responsibility or liability whatsoever for the content or privacy practices of any Third Party Provider site, or any link.

QUESTIONS

If you have any questions, or would like additional information about the Privacy Policy, please contact us at contact-us@lifeinsurance.net, 113 Cherry Street #88030, Seattle, WA 98104-2205.

Effective 1-1-2016

Updated 10/4/2017

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.

Thank you for visiting Lifeinsurance.net ("Website", “Site”, or "App"). The Site is owned and operated by Lifeinsurance.net . (“Lifeinsurance.net” “we,” “us,” or “our”). The terms of use detailed below (the “Terms of Use”) govern your access to and use of the Site and the services that we make available to you through the Site (the “Services”). These Terms of Use are a legal contract between you and Lifeinsurance.net. By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.

The Terms of Use are effective as of the last updated date specified above. In our sole discretion and without prior notice, we may change the Terms of Use at any time, modify the Site and/or the Services, and/or discontinue the Site and/or Services at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.

THE SERVICES

The Services are provided “as is”, and include free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance and related financial decisions. Most information provided through the Services is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.

We are a licensed insurance broker. The Services also include formal quoting, brokering, and transacting of first party insurance products, as well as third party insurance products, brokers, and carriers (the “Third Party Providers”) in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. By submitting your information to Lifeinsurance.net through the Site or the Services, you provide your affirmative consent that Lifeinsurance.net and the Third Party Providers may collect, use, rent, share, or otherwise disclose any information submitted or collected through the Site or the Services; that Lifeinsurance.net and the Third Party Providers may contact you via any contact method you provide, including email and telephone; and that Lifeinsurance.net may disclose your contact information to the Third Party Providers, and that such Third Party Providers may contact you via commercial email, telephone, or any other communication method, irrespective of any prior registration on the National Do Not Call Registry. You hereby consent to receive auto-dialed and/or pre-recorded telemarketing calls from or on behalf of Lifeinsurance.net and the Third Party Providers at the telephone number you provide. You understand that consent is not a condition of purchase or receipt of services.

Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The Third Party Provider insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

At times, the Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-parties. Any Third Party Provider insurance products purchased by you through the Site are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy terms, the terms of the insurance policy will control.

ACCOUNT

The site is largely a free and unrestricted resource, however, to access certain password-protected areas of the Site and the Services, you must register for an account. Your account is also important for purchasing, storing, and managing your insurance policies. To register for an account, you must provide us with your first name, last name, and email address. You warrant and represent that all registration information provided by you is truthful and accurate. With your permission, we will create an account for you as a part of the Services, in this event, you are the owner of the account as if you created it. You are required to update your registration information as necessary from time to time. All registration information and any other personal information that you provide to us through your use of the Services is subject to the terms of our Privacy Policy.

Accounts are protected by passwords and pins. You are solely responsible for the confidentiality of your password, as well as for any use of the Site or any of the Services made using your password. Your password should only be used by you, and you should not share your password with any third party. We reserve the right to delete or change any password at any time and for any reason upon notice to you. We reserve the right to issue a pin to log in to your account.

USER CONDUCT

You promise NOT to use the Site for any of the following purposes or activities: Conducting or supporting illegal activity of any type whatsoever; transmitting or storing worms or viruses or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring or intimidating others; interfering with others' use of this Site, unless such interference is for the purpose of complying with another section of these Terms of Use; delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this Site; disguising the origin of any content transmitted through this Site or manipulating your presence on the Site; and/or causing the launch of any automated system(s) that accesses this Site in a manner that sends more request messages to servers of the Site in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser. Any violation of system or network security may subject you to civil and/or criminal liability.

MOBILE TERMS AND CONDITIONS

Assurance Customer Service Notifications receive insurance quotes and alerts from Assurance Customer Service Notification through your mobile device. Text JOIN to 71953 to receive up to 4 text messages per month. Message and data rates may apply. By opting in to this service, you consent to receive mobile text alerts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 13.

STOP INFORMATION

Text STOP to 71953 to stop receiving Assurance Customer Service Notification messages from Assurance (you will receive a confirmation text).

HELP INFORMATION

For additional information, text HELP to 71953 or contact 844-680-6065.

Supported carriers are: AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina - Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages. We take your privacy seriously. Please review our Privacy Policy.

INTELLECTUAL PROPERTY

The Site contains material, such as text, graphics, images, photos and other material provided by or on behalf of us, and through your use of the Services you will be provided with additional information from us. These materials and information are collectively referred to herein as the “Content.” The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties. The Content includes, but is not limited to, the trademarks, service marks, and logos that are used and displayed on the Site, which are registered and unregistered trademarks or service marks of ours or our licensors. Moreover, the organization and design of the Site are the property of Lifeinsurance.net and are protected worldwide by copyright laws and treaty provisions.

You shall not, without our written permission in each instance: use any trademarks, service marks or logos in any manner; copy or use the Content for any purpose; remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or use or post or publish the Content.

Nothing contained in these Terms of Use shall be construed as conferring any license or right to any trademark or other intellectual property right of Lifeinsurance.net or any other party. Lifeinsurance.net and the stylized “Lifeinsurance.net Tile Logo” design are registered trademarks of Lifeinsurance.net. All other trademarks, trade names, service marks and logos displayed throughout the Site are the property of Lifeinsurance.net, licensed by Lifeinsurance.net, or owned by third parties. You shall not display, use as a link, use as a meta tag, or otherwise use any of the trademarks, trade names, service marks and logos displayed throughout the Site without the prior written consent of the owner of the trademark, trade name, service mark and logo.

UNSOLICITED INFORMATION

We provide the Services for inquires and peer-to-peer interaction, and you are solely responsible for your use of the Services. By submitting any unsolicited information and materials, including comments, ideas, questions, and other similar communications, (“Unsolicited Information”) you agree to be bound by the following terms and conditions. All Unsolicited Information will be considered NON-CONFIDENTIAL and NON-PROPRIETARY and will become Lifeinsurance.net’s property upon its submission. We are entitled to use such communication or material for any purpose whatsoever, commercial or otherwise, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and further posting, without any compensation to the provider of the Unsolicited Information. Further, we are free to use any ideas, concepts, know-how, or techniques contained in any communication or material you send to the Site for any purpose whatsoever, commercial or otherwise, including, but not limited to, developing, manufacturing, and marketing products. By submitting any Unsolicited Information, you are granting us a perpetual, royalty-free and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer and sell such Unsolicited Information. Notwithstanding the foregoing, any personal information you submit to Lifeinsurance.net through the pages located on the Site will be held in confidence by us as set forth in our Privacy Policy.

COLLECTION AND USE OF INFORMATION

Lifeinsurance.net respects your privacy. Your use of the Services transmits information, and possibly personally identifiable information. Any collection or use of personally identifiable information collected from you via the Site is governed by our Privacy Policy, which is hereby incorporated by reference in its entirety. It is important that you read and understand the terms of our Privacy Policy. Lifeinsurance.net may cooperate with and disclose information (including your account information) to any authority, government official or third party, without giving any notice to you, in connection with any investigation, proceeding or claim arising from an asserted illegal action or infringement whether related or unrelated to your use or misuse of the Site.

DISCLAIMER AND LIMITATION OF LIABILITY

YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT. FURTHER, IN NO EVENT SHALL WE BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, OR LOST DATA, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, THE SERVICES, AND ANY CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, THE SERVICES, OR ANY CONTENT IS TO STOP USING THE SAME.

MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD PARTY PROVIDER PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE THIRD PARTY PROVIDERS. YOU ACKNOWLEDGE THAT WE ARE NOT AFFILIATED WITH ANY THIRD PARTY PROVIDERS THAT YOU MAY LINK TO THROUGH THIS SITE. YOU EXPRESSLY AGREE TO INDEMNIFY US FROM ANY CLAIMS THAT YOU MAY HAVE AGAINST A THIRD PARTY PROVIDER THAT YOU LINKED TO OR ACCESSED THROUGH THE SITE.

EXTERNAL SITES

The Site may contain links to third-party websites, including, without limitation, the websites of the Third Party Providers offering the third-party insurance products made available to you through the Services (“External Sites”). We have no control over the External Sites, and we do not endorse and we are not responsible for the content of any linked External Sites. We are not responsible or liable for the actions, products or content of the External Sites, as they are provided for your convenience and are to be accessed entirely at your own risk. We do, however, seek to protect the integrity of our Site and welcome any feedback about external links, including information regarding a broken link. The Site may include interactive social media features (such as the Facebook “Like” button and Widgets, such as the “Share This” button) or other interactive mini-programs that run on our Site and connect to External Sites (collectively the “Features”). The Features may collect your IP address, which page you are visiting on our Site and may set a cookie to enable the Features to function properly. The Features are either hosted by a third party or hosted directly on our Site. Your interactions with the Features are governed by the privacy policy of the External Site(s) providing them. Before using any External Site(s), please refer to the terms of use and privacy policies of the External Site(s) for more information.

INDEMNIFICATION

You agree to defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of these Terms of Use; or (ii) your access to, use, or misuse of the Site, any of the Services or any Content.

TERMINATION

We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability. To ensure that Lifeinsurance.net provides a high quality experience for you and for other users of the Site and the Services, you agree that Lifeinsurance.net or its representatives may access your account and records on a case-by-case basis to investigate complaints or allegations of abuse, infringement of third party rights, or other unauthorized uses of the Site or the Services. Lifeinsurance.net does not intend to disclose the existence or occurrence of such an investigation unless required by law, but Lifeinsurance.net reserves the right to terminate your account or your access to the Site or the Services immediately, with or without notice to you, and without liability to you, if Lifeinsurance.net believes that you have violated any of the Terms of Use, furnished Lifeinsurance.net with false or misleading information, or interfered with use of the Site or the Services by others.

MISCELLANEOUS

In the event that any portion of these Terms of Use is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of these Terms of Use shall remain in full force and effect. This section, the section entitled Indemnification, and the sections entitled Disclaimer, Limitation of Liability and Intellectual Property shall survive the termination of these Terms of Use. You may not assign these Terms of Use. No waiver shall be effective unless in writing. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these Terms of Use. These Terms of Use contain the entire agreement of the parties concerning the subject matter hereof and supersede all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.

ARBITRATION AND GOVERNING LAW

We control and operate the Site from our offices within the State of Washington, United States of America, and these Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington, without reference to their rules regarding conflicts of law. You are solely responsible for compliance with all applicable laws and regulations that may govern your access and use of the Site. Except for proceedings commenced by us to protect our intellectual property or confidential information which may be brought in any court of competent jurisdiction, the parties mutually agree that any and all disputes arising hereunder shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The place of arbitration shall be King County, Washington. The United States Federal Arbitration Act shall govern the interpretation, enforcement, and proceedings pursuant to this arbitration clause. In no event shall the arbitrator(s) have any authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute. Irrespective of the outcome of arbitration, each party shall bear its own costs and expenses, including its own attorneys’ fees, and an equal share of the arbitrator(s)’ fees and administrative fees of arbitration. The arbitrator(s) shall not determine or award any alterative allocation of costs and expenses, including attorneys’ fees.

If you have any questions, or would like additional information about the Terms of Use, please contact us at contact-us@lifeinsurance.net, 113 Cherry Street #88030, Seattle, WA 98104-2205.