Terms and Conditions
These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded by their own terms and conditions), and QuoteLifeNow.com, the owner and operator of this Website. Please read these terms and conditions carefully, as they affect your legal rights. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Website. If you do not agree to be bound by these terms and conditions, you should stop using the Website immediately.
In these terms and conditions, User or Users means any third party that accesses the Website and is not either (i) employed by QuoteLifeNow.com and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to QuoteLifeNow.com and accessing the Website in connection with the provision of such services. You must be at least 18 years of age to use this Website. By using the Website and agreeing to these terms and conditions, you represent and warrant that you are at least 18 years of age.
QuoteLifeNow.com is a service company offering life insurance products online. We offer our visitors to our site, Users information regarding a large selection of life insurance products.
No applications will be sough or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed. Information concerning the identity, history and products of each insurance company represented by QuoteLifeNow.com is intended for residents of states in which the insurance company is licensed.
Policies not available in all states. Suicide, misstatements and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted.
Availability of premium rates and policy forms may be changed by each insurer without prior notice.
Services Not available in all other states not licensed in that state.
Licensed in 2 States:
Florida License #E024496
North Carolina License #1716928
Intellectual Property and Acceptable Use:
All Content included on the Website, unless uploaded by Users, is the property of QuoteLifeNow.com, our affiliates or other relevant third parties. In these terms and conditions, Content means any text, graphics, images, audio, video, software, data compilations, page layout, underlying code and software and any other form of information capable of being stored in a computer that appears on or forms part of this Website, including any such content uploaded by Users. By continuing to use the Website you acknowledge that such Content is protected by copyright, trademarks, database rights and other intellectual property rights. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, logo or service mark displayed on the site without the owner’s prior written permission
You may, for your own personal, non-commercial use only, do the following:
retrieve, display and view the Content on a computer screen
print one copy of the Content
You must not otherwise reproduce, modify, copy, distribute or use for commercial purposes any Content without the written permission of QuoteLifeNow.com
You must ensure that the details provided by you on registration or at any time are correct and complete.
You must inform us immediately of any changes to the information that you provide when registering by updating your personal details to ensure we can communicate with you effectively.
We may suspend or cancel your registration with immediate effect for any reasonable purposes or if you breach these terms and conditions.
You may cancel your registration at any time by informing us in writing to the address at the end of these terms and conditions. If you do so, you must immediately stop using the Website. Cancellation or suspension of your registration does not affect any statutory rights.
Availability of the Website and Disclaimers:
Any online facilities, tools, services or information that QuoteLifeNow.com makes available through the Website (the Service) is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and/or faults. To the maximum extent permitted by the law, we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality. QuoteLifeNow.com is under no obligation to update information on the Website.
While QuoteLifeNow.com uses reasonable endeavors to ensure that the Website is secure and free of errors, viruses and other malware, we give no warranty or guaranty in that regard and all Users take responsibility for their own security, that of their personal details and their computers.
QuoteLifeNow.com accepts no liability for any disruption or non-availability of the Website.
QuoteLifeNow.com reserves the right to alter, suspend or discontinue any part (or the whole of) the Website including, but not limited to, any products and/or services available. These terms and conditions shall continue to apply to any modified version of the Website unless it is expressly stated otherwise.
Investment and Insurance Information:
Information available through this site is not intended to be used as the sole basis for any investment or insurance decision, nor should it be construed as advice designed to meet the particular needs of an individual purchaser of insurance. Please see the advice of a financial or other professional, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
Limitation of Liability:
Nothing in these terms and conditions will:
(a) limit or exclude our or your liability for death or personal injury resulting from our or your negligence, as applicable.
(b) limit or exclude our or your liability for fraud or fraudulent misrepresentation; or
(c) limit or exclude any of our or your liabilities in any way that is not permitted under applicable law.
We will not be liable to you in respect of any losses arising out of events beyond our reasonable control.
To the maximum extent permitted by law, QuoteLifeNow.com accepts no liability for any of the following:
(a) any business losses, such as loss of profits, income, revenue, anticipated savings, business, contracts, goodwill or commercial opportunities.
(b) loss or corruption of any data, database or software.
(c) any special, indirect or consequential loss or damages
You will indemnify and hold harmless QuoteLifeNow.com, its affiliated entities, any third-party providers, and their respective officers, directors, employees, and agents from and against any claim, damages, cause of action or demand, including but not limited to reasonable legal, accounting and other professional fees, brought by or on your behalf or by third parties as a result of your use of the Site, or any content, programs (including, but not limited to, the tax calculation program) or materials provided through the website.
Age and Responsibility:
You represent that you are of legal age and competent to use this Site and to create binding legal obligations for any liability you incur as a result of using this Site. You understand and acknowledge that you are financially and otherwise responsible for any use of this Site by you and anyone using your login information. The legal age is 18.
You may not transfer any of your rights under these terms and conditions to any other person. We may transfer our rights under these terms and conditions where we reasonably believe your rights will not be affected.
These terms and conditions may be varied by us from time to time. Such revised terms will apply to the Website from the date of publication. Users should check the terms and conditions regularly to ensure familiarity with the then current version.
The Contracts (Rights of Third Parties) Act 1999 shall not apply to these terms and conditions and no third party will have any right to enforce or rely on any provision of these terms and conditions.
If any court or competent authority finds that any provision of these terms and conditions (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of these terms and conditions will not be affected.
Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other, right or remedy.
These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Florida without giving effect to its conflict of law’s provisions or your actual state or country of residence.
QuoteLifeNow.com is an LLC registered in the State of Florida and whose registered address is 20533 Biscayne Blvd., Aventura, FL 33180 and it operates the Website