Introductions
These terms and conditions ("Terms") govern your use of the Ifsurance website and the services provided by Ifsurance as an online insurance agency offering life insurance solutions in Texas. By accessing and using the Ifsurance website or engaging with our services, you agree to these Terms. If you do not agree, please refrain from using our website or services.
Services Provided
1.1 Ifsurance operates as an independent insurance broker in Texas, partnering with multiple carriers to provide online access to information, quotes, and application processes for life insurance.
1.2 We strive to provide accurate and updated information on insurance products, carriers, and policies. However, we do not guarantee the accuracy, completeness, or reliability of the information on our website, nor the suitability of any products for your specific needs.
Insurance Products and Quotes
2.1 Ifsurance offers access to a variety of insurance products from multiple carriers. The availability, terms, conditions, coverage, and premiums of these products are subject to the underwriting guidelines and policies of the respective carriers.
2.2 Quotes provided on our website are estimates based on user-provided information. Actual premiums and coverage may vary based on the formal application and the underwriting decisions of the carriers.
Eligibility and Underwriting
3.1 Eligibility for insurance coverage is determined by the underwriting criteria of the carriers. Ifsurance does not guarantee approval of any application.
3.2 You are responsible for providing accurate and truthful information during the application process. Misrepresentation or omission of facts may result in coverage denial or policy term adjustments.
Privacy and Security
4.1 Your privacy and security are paramount to us. Our Privacy Policy outlines how we collect, use, disclose, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.
4.2 While we work to maintain the security of our website and systems, we cannot guarantee total security. You acknowledge the risks associated with using the internet and agree that Ifsurance is not liable for any unauthorized access or misuse of your personal information.
Limitation of Liability
5.1 To the fullest extent allowed by law, Ifsurance and its affiliates are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or website, including errors or interruptions.
Modifications and Termination
6.1 Ifsurance reserves the right to modify, suspend, or terminate any aspect of its services, including the website, without prior notice.
6.2 We may also modify these Terms at our discretion, effective immediately upon posting on our website.
Contact Us
If you have any questions about this Agreement or the Services, please contact us.
