Terms & Conditions

1. Acceptance of Terms

By accessing or using the InsurX Protect website (insurxprotect.com) and related services, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Services

InsurX Protect connects consumers with licensed insurance advisors to help them find appropriate life insurance coverage. We are not an insurance carrier. Insurance policies are issued by third-party insurance companies. Our role is to facilitate introductions and provide informational resources.

3. Eligibility

You must be at least 18 years of age to use our services. By submitting your information through our website, you represent that you are at least 18 years old and that all information you provide is accurate and complete.

4. SMS/Text Messaging Program

Program Name: InsurX Protect SMS Alerts

Program Description: By opting in through a form on our website, you agree to receive informational and promotional text messages related to your quote request, policy information, advisor follow-ups, appointment reminders, and general communications from InsurX Protect and our affiliated insurance advisors.

Message Frequency: Message frequency varies based on your inquiry and engagement.

Message and data rates may apply. Please contact your wireless carrier for details regarding your messaging plan.

Opt-Out: You can cancel SMS messages at any time. Text STOP to any message you receive from us. You will receive a one-time confirmation message, and no further messages will be sent unless you opt in again.

Help: For support, text HELP to any message you receive, or contact us at support@insurxprotect.com.

Supported Carriers: Our SMS program is supported by major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

Consent: Consent to receive text messages is not a condition of purchasing any insurance product or service. You may choose not to receive text messages and still obtain a quote or policy through other communication methods.

5. User Responsibilities

You agree to:

• Provide accurate, current, and complete information when submitting forms
• Not use our services for any unlawful purpose
• Not impersonate any person or entity
• Not interfere with or disrupt the operation of our website

6. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure. We do not guarantee that any insurance quote or policy will be offered to you, as all underwriting decisions are made by third-party insurance carriers.

7. Limitation of Liability

To the fullest extent permitted by law, InsurX Protect and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to loss of profits, data, or other intangible losses.

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of InsurX Protect or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any third-party sites. Accessing third-party links is at your own risk.

10. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Maricopa County, Arizona.

11. Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be effective when posted on this page with an updated "Last updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms.

12. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

• Email: support@insurxprotect.com
• Address: 7720 N Dobson Rd, Scottsdale, AZ 85256