Terms & Conditions

Agreement to Terms

Welcome to MyLifeCoverage. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to be bound by these terms. If you disagree with any part of these terms, you may not access our services.

We reserve the right to update or modify these terms at any time without prior notice. Your continued use of the website following any changes constitutes acceptance of those changes. We encourage you to review these terms periodically.

These terms apply to all visitors, users, and others who access or use our services. Please read them carefully before proceeding.

Use of Services

Our services are designed to help you find and compare insurance coverage options. By using our services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Use our services only for lawful purposes
• Not interfere with or disrupt the integrity of our website

We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion if we believe that conduct violates these terms or is harmful to other users, us, or third parties.

Insurance Information

The information provided on our website is for general informational purposes only. While we strive to keep information accurate and up-to-date, we make no representations about:

• The completeness or accuracy of any information on our site
• The availability or pricing of any insurance products
• The suitability of any insurance product for your specific needs
• The terms and conditions of any insurance policy

User Responsibilities

As a user of our services, you are responsible for:

• Reading and understanding any insurance policy before purchase
• Disclosing all relevant information when applying for coverage
• Reviewing your coverage needs regularly and updating as necessary
• Paying premiums on time as required by your insurance carrier
• Reporting claims promptly according to policy requirements
• Maintaining accurate contact information with us and your insurer

Failure to fulfill these responsibilities may result in denial of claims, policy cancellation, or other consequences as determined by your insurance carrier.

Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, and software, is the property of MyLifeCoverage or its content suppliers and is protected by intellectual property laws.

• You may not reproduce, distribute, or create derivative works without permission
• Our trademarks and trade dress may not be used without prior written consent
• You may print or download content for personal, non-commercial use only
• Any unauthorized use terminates the permission granted herein

If you believe any content on our website infringes your intellectual property rights, please contact us immediately with details of the alleged infringement.

Limitation of Liability

To the fullest extent permitted by law, MyLifeCoverage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use our services
• Any errors or omissions in our content
• Unauthorized access to your personal information
• Actions or inactions of insurance carriers or third parties
• Any claims arising from your insurance policies

Our total liability shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim. Some jurisdictions do not allow these limitations, so they may not apply to you.

Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved as follows:

• First, through informal negotiation by contacting us directly
• If unresolved, through binding arbitration in Washington State
• Class action lawsuits and class arbitrations are not permitted
• Small claims court actions may be brought in your local jurisdiction

These terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of courts located in Washington for any actions not subject to arbitration.

Contact Information

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

• Email: [email protected]
• Phone: +1 (360) 646-3859
• Address: 1201 Pacific Avenue, Tacoma WA 98402

We aim to respond to all inquiries within 2 business days. For urgent matters related to your insurance coverage, please contact your insurance carrier directly using the information provided in your policy documents.

Thank you for choosing MyLifeCoverage. We value your trust and are committed to providing you with excellent service and reliable insurance solutions.