Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website at lifeinsuranceadvisor.co and any related calculators, tools, forms, and content (collectively, the "Site"). In these Terms, "we," "us," and "our" refer to Remain Life Insurance Services, LLC. By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy and Disclaimer, each incorporated here by reference. If you do not agree, please do not use the Site.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site. By using the Site, you represent that you meet these requirements.

2. Informational Nature of the Site

The Site and its content, including any calculators and tools, are provided for general informational and educational purposes. They do not constitute financial, legal, tax, or insurance advice, an offer or solicitation of insurance, or a recommendation, and your use of the Site does not create an advisor-client or fiduciary relationship. Please review our Disclaimer for important details about the limits of the information and tools provided here.

3. Licensing and Availability

We are licensed to transact insurance business in California, Florida, and New York. Nothing on the Site is an offer or solicitation in any jurisdiction where we are not licensed. Products, features, and pricing vary by state and carrier and are subject to underwriting, approval, and change without notice.

4. Intellectual Property

The Site and its content — including text, design, graphics, logos, calculators, tools, and the selection and arrangement of materials — are owned by or licensed to us and are protected by intellectual property laws. The names, marks, and logos displayed on the Site, including "Remain Life Insurance," are our property or that of their respective owners. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your own personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, scrape, frame, or create derivative works from the Site without our prior written permission.

5. Acceptable Use

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose.
• Submit false, misleading, or another person's information without authorization.
• Interfere with, disrupt, or attempt to gain unauthorized access to the Site, its systems, or other users' data.
• Introduce viruses, malware, or other harmful code.
• Use automated means to access, scrape, or harvest content or data without our permission.
• Infringe the intellectual property or privacy rights of others.

6. Your Submissions and Uploads

When you submit information or upload documents (such as a policy illustration or statement), you represent that you have the right to share that information and that it is accurate to the best of your knowledge. You grant us permission to use the information you submit to respond to your request and provide our services, consistent with our Privacy Policy. Do not upload documents or information you are not authorized to share. Submitting information through the Site does not, by itself, create a confidential or professional relationship.

7. Calculators and Tools

Any calculators, estimators, or illustrations on the Site are provided for informational purposes only, produce hypothetical estimates based on the inputs and assumptions used, and are not quotes, guarantees, offers, or contracts. Actual products and outcomes are subject to underwriting, carrier approval, current rates, and the terms of the issued policy. See our Disclaimer for further details.

8. Third-Party Links and Services

The Site may contain links to third-party websites, products, or services that we do not control or endorse. We are not responsible for the content, accuracy, or practices of any third party, and your dealings with them are solely between you and the third party.

9. Electronic Communications and Consent

By providing your contact information, you consent to receive communications from us electronically and by phone or text, as described in our Privacy Policy, and you agree that electronic communications satisfy any legal requirement that communications be in writing. You may opt out of marketing communications as described in the Privacy Policy.

10. Disclaimer of Warranties

The Site and all content, calculators, and tools are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, error-free, or free of harmful components, or that any information will be accurate or current.

11. Limitation of Liability

To the fullest extent permitted by law, in no event will we, our members, officers, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the Site, its calculators, or its content — even if advised of the possibility of such damages. To the extent any liability cannot be disclaimed, our total aggregate liability arising from or relating to the Site is limited to one hundred dollars ($100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Remain Life Insurance Services, LLC and its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site, your submissions, or your violation of these Terms or applicable law.

13. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and share information.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to applicable law, you agree that any dispute arising out of or relating to the Site or these Terms will be brought exclusively in the state or federal courts located in San Diego County, California, and you consent to the personal jurisdiction of those courts. Nothing in these Terms limits any rights you may have that cannot be waived under the consumer-protection or insurance laws of your state of residence, including California, Florida, and New York.

15. Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the "Last Updated" date above. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

16. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms.

17. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them freely. These Terms, together with the Privacy Policy and Disclaimer, are the entire agreement between you and us regarding the Site.

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