1. Acceptance of these terms
These Terms of Use ("Terms") govern your access to and use of the website and services provided by Life Surety LLC, doing business as CoverageForME ("we," "us," or "our"). By accessing or using our website, requesting a quote, or communicating with us, you agree to these Terms. If you do not agree, please do not use our website or services.
2. About our services
We are a licensed insurance agency that helps individuals, families, and businesses obtain insurance coverage across multiple lines, including life, health, property, casualty, and commercial products, where we are licensed to do so. Our website provides general information and a way to request a quote or contact a licensed agent.
3. No offer of insurance
Information on our website is provided for general informational purposes only and does not constitute an offer of insurance, a binding quote, professional advice, or a recommendation of any specific product. Insurance coverage is subject to underwriting, eligibility, carrier acceptance, and availability in your state. Coverage is only in effect when issued by a carrier and confirmed in writing.
4. Quote requests
When you request a quote, you are asking a licensed agent to prepare information for you; you are not purchasing or binding coverage. Any premium amounts ultimately provided are determined by insurance carriers based on underwriting and the information you provide. Providing inaccurate or incomplete information may affect the accuracy of a quote or the availability of coverage. Submitting a request does not create an agency, client, or coverage relationship until confirmed by us and an applicable carrier.
5. Communications & text messaging
By providing your contact information, you agree that we may contact you by phone, text message, and email regarding your inquiry, quote, and policy servicing. Standard message and data rates may apply to text messages. You may opt out of text messages at any time by replying STOP, or reply HELP for assistance. Our handling of your information is described in our Privacy Policy.
6. Acceptable use
You agree to use our website and services only for lawful purposes. You agree not to:
- Provide false, misleading, or fraudulent information;
- Use the site to harass, abuse, or harm others;
- Attempt to gain unauthorized access to our systems or data;
- Interfere with or disrupt the operation or security of the website;
- Use automated means to scrape, harvest, or collect information from the site without permission.
7. Intellectual property
The content, design, logos, and materials on this website are owned by or licensed to us and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission, except as needed for your personal, non-commercial use of the site.
8. Third-party links & carriers
Our website or communications may reference or link to insurance carriers or other third parties. We are not responsible for the content, products, services, or privacy practices of third parties. Your dealings with carriers and other third parties are governed by their own terms and policies.
9. Disclaimers
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure, or that information on it is complete or current. Nothing on the site constitutes legal, tax, or financial advice.
10. Limitation of liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of (or inability to use) our website or services. Our total liability for any claim related to the website will not exceed one hundred U.S. dollars ($100). Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.
11. Indemnification
You agree to indemnify and hold harmless Life Surety LLC, its members, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the website or violation of these Terms.
12. Governing law
These Terms are governed by the laws of the State of Delaware, where Life Surety LLC is organized, without regard to its conflict-of-laws principles, except where the laws of your state of residence are required to apply. Any dispute will be subject to the exclusive jurisdiction of the appropriate courts, except where applicable law provides otherwise.
13. Changes to these terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.
14. Contact us
If you have questions about these Terms, contact us:
- Phone / text: (866) 952-6837
- Email: help@coverageforme.com
- Mail: Life Surety LLC dba CoverageForME, 10001 Derekwood Ln, Lanham, MD 20706