Terms of Service

1. Acceptance of Terms

By accessing and using the US Life Insurance website ("Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Educational Purpose Only

This website is provided for educational and informational purposes only. The content on this website is not intended to be, and should not be construed as, professional financial, legal, or insurance advice. You should consult with a qualified insurance professional, financial advisor, or attorney before making any decisions regarding life insurance or other financial matters.

3. No Insurance Products or Services

US Life Insurance does not sell, offer, broker, or provide any insurance products or services. We are not an insurance company, insurance agent, or insurance broker. We do not:

• Issue insurance policies
• Provide insurance quotes
• Recommend specific insurance products or companies
• Process insurance applications
• Handle insurance claims

If you are interested in purchasing life insurance, you should contact a licensed insurance agent or insurance company directly.

4. No Warranty or Guarantee

The information on this website is provided "as is" without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We make no representations or warranties regarding:

• The accuracy, completeness, or reliability of any information on this website
• The suitability of any information for your particular circumstances
• The availability or uninterrupted access to this website
• The absence of errors, viruses, or other harmful components

5. Limitation of Liability

To the fullest extent permitted by law, US Life Insurance, its owners, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your use or inability to use this website
• Any reliance on information provided on this website
• Any errors or omissions in the content
• Any unauthorized access to or use of our servers or data

6. User Conduct

You agree not to:

• Use this website for any unlawful purpose or in any way that could damage, disable, or impair the website
• Attempt to gain unauthorized access to any portion of the website
• Transmit any viruses, malware, or other harmful code
• Copy, reproduce, or republish any content without our written permission
• Use automated systems to access or scrape the website

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of US Life Insurance or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

8. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or assume any responsibility for the content, privacy policies, or practices of third-party websites. Your use of third-party websites is at your own risk.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by posting the updated terms on this page and updating the "Last Updated" date. Your continued use of the website after such modifications constitutes your acceptance of the updated terms.

10. Termination

We reserve the right to terminate or suspend your access to this website at any time, without notice, for any reason, including if you violate these Terms of Service.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts located in the United States.

12. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and US Life Insurance regarding your use of this website and supersede all prior agreements and understandings.