Website Terms of Use 

Welcome to TermLifeInsuranceUSA.com (hereafter "TermLife)! 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 TermLife. 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 or the age of majority in your jurisdiction. If you do not agree with these Terms of Use, then please do not use the Site or the Services.

The following terminology applies to these Terms of Use, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and accepting the Company’s terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the process of our assistance to the Client in the most appropriate manner, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing state and federal law. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By using TermLife’s website, you consent to the use of cookies in accordance with TermLife’s privacy policy. Most interactive web sites use cookies to enable the sites to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and to enhance the ease of use of the site. Some of our affiliate/advertising partners may also use cookies. For additional information and explanation of TermLife’s use of cookies, please refer to Term Life’s privacy policy.

License

Unless otherwise stated, TermLife and/or it’s licensors own the intellectual property rights for all material on TermLifeInsuranceUSA.com. The site contains material, such as text, graphics, images, and other material provided by or on behalf of TermLife, and through your use of the Services you will be provided with additional information from us. All of these materials and information are collectively referred to herein as the "Content." The Content is owned by us or our licensors and is protected under both United States and foreign laws. 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. All intellectual property rights are hereby reserved. You may view and/or print pages from the site for your own personal use subject to restrictions set in these terms of use.

You shall not: (i) use our trademarks, service marks or logos without our written permission in each instance; (ii) copy or use the Content for any purpose other than your own personal use; (iii) remove any copyright or other proprietary notices contained in the original Content on any copy you make of the Content; (iv) sell, transfer, assign, license, sublicense, or modify the Content, or use the Content for any public or commercial purpose; or (v) use or post the Content on any other website or in a networked computer environment

Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval:

  1. Government agencies;
  2. Search engines;
  3. News organizations;
  4. Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses;
  5. Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

We may consider and approve in our sole discretion other link requests from the following types of organizations:

  1. commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
  2. dot.comcommunity sites;
  3. associations or other groups representing charities, including charity giving sites,
  4. online directory distributors;
  5. internet portals;
  6. accounting, law and consulting firms whose primary clients are businesses; and
  7. educational institutions and trade associations.

We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of ; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party's site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to CustomerCare@TermLifeInsuranceUSA.com. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. We will provide you with a response to your request as quickly as is practicable.

Approved organizations may hyperlink to our Web site as follows: 1. By use of our corporate name; or 2. By use of the uniform resource locator (Web address) being linked to; or 3. By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party's site.

No use of TermLife’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you. While we strive to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability for hyperlinking websites

We shall have no responsibility or liability for any content appearing on your Website. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement, or any other violation of third party rights.

Disclaimer and Limitation of Liability

TermLife is not a licensed insurance agency or broker and does not provide insurance quotes, in accordance with MCL 500.1202 or similar state statutes. TermLife as made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. TermLife makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

This site is for informational and comparative purposes only. The information on this site is not intended to take the place of professional advice from a licensed insurance agent nor does Term Life provide any evaluation of the insurance providers or their policies. TermLife recommends that all consumers consult with a licensed insurance agent before purchasing any insurance policy.

Term Life reserves the right to modify, change, or terminate any information or service provided on this site, including this site’s operation, without notifying current or prospective users, with or without cause.

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties of any kind, express or implied, with respect to satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Contact Information

If you have any queries regarding any of our terms, please contact us via email at CustomerCare@TermLifeInsuranceUSA.com or by telephone at (877) 921-0089.

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