1. Use of the Website

Eligibility: You must be at least 18 years old to use our Site. Compliance: You agree to comply with all applicable laws and regulations when using the Site. Account Responsibility: If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

2. Services Provided:

The Site provides information about life insurance products and services, including but not limited to:

Insurance quotes.

Policy information.

Application assistance.

We do not guarantee the availability or suitability of any insurance product for your specific needs. Final policy decisions are subject to the terms and conditions of the respective insurance provider.

3. Accuracy of Information

While we strive to provide accurate and up-to-date information, we do not warrant the accuracy, completeness, or reliability of any information on the Site. Insurance quotes and terms are subject to change and final approval by the insurance provider.

4. Third-Party Services

Our Site may include links to third-party websites or services. We are not responsible for the content, terms, or practices of these third parties. Use these links at your own risk.

5. Intellectual Property

Ownership: All content on the Site, including text, graphics, logos, and software, is the property of Salus Insurance Advisors or its licensors and is protected by intellectual property laws.

Restrictions: You may not copy, reproduce, distribute, or create derivative works from the content without our prior written consent.

6. Limitation of Liability:

To the fullest extent permitted by law:

We are not liable for any indirect, incidental, or consequential damages arising from your use of

the Site or our services.

Our total liability for any claims related to your use of the Site is limited to the amount you paid

for our services, if any.

7. Disclaimer of Warranties:

The Site and its content are provided on an “as-is” and “as-available” basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Indemnification:

You agree to indemnify, defend, and hold harmless Salus Insurance Advisors and its affiliates from any claims, liabilities, damages, and expenses arising out of your use of the Site or your violation of these Terms and Conditions.

9. Termination:

We reserve the right to suspend or terminate your access to the Site at our sole discretion without notice if you violate these Terms and Conditions or engage in fraudulent or unlawful activities.

10. Governing Law and Dispute Resolution

Governing Law: These Terms and Conditions are governed by the laws of [South Carolina United States, without regard to its conflict of law principles. Dispute Resolution: Any disputes arising under these Terms and Conditions shall be resolved through binding arbitration in [Insert City/State], except where prohibited by law.

11. Changes to the Terms and Conditions:

We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting to the Site. Your continued use of the Site constitutes your acceptance of the revised terms.

12. Contact Us:

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

Email: [Insert Email Address]

Phone: [Insert Phone Number]

Address: [Insert Mailing Address]

By using our Site, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.