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Legal Policies and Terms and Conditions for FamilyGaurd360

Secure your Future in 3 Easy Steps

1. Introduction

Welcome to FamilyGuard360 ("Company," "we," "our," or "us"). FamilyGuard360 is an online lead generation platform that connects individuals seeking life insurance, health insurance, and will & trust services ("Clients") with licensed insurance professionals and financial service providers ("Agents"). Additionally, our platform facilitates appointment scheduling between Clients and Agents ("Platform")

By accessing or using our Platform, you acknowledge and agree to abide by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Platform.

2. Eligibility

To use the Platform, you must:

  • Be at least 18 years old.
  • Provide accurate and up-to-date information.
  • Agents represent your interests and can help resolve issues with the insurer.
  • Use the Platform solely for its intended purposes of seeking insurance-related services or providing insurance solutions as a licensed professional.

3. Registration and Account Responsibilities

  • Clients and Agents must provide truthful and complete information during registration.
  • Agents must hold valid insurance licenses and comply with state and federal regulations.
  • Users are responsible for maintaining the confidentiality of their account credentials.
  • We reserve the right to suspend or terminate accounts with false, misleading, or fraudulent information.

4. Services Provided

  • The Platform connects Clients with licensed insurance Agents but does not provide insurance services directly.
  • The Platform facilitates appointment scheduling between Clients and Agents.
  • We do not guarantee the availability, responsiveness, or performance of any Agent.

5. Fees and Payment

  • Some services on the Platform may require payment.
  • Fees and pricing details are displayed on the Platform and are subject to change.
  • Payments are non-refundable unless specified in a written agreement.

6. No Guarantees or Endorsements

  • FamilyGuard360 does not endorse, recommend, or vouch for the competence of any Agent.
  • We do not guarantee the accuracy of information provided by Clients or Agents.
  • Any agreements or transactions between Clients and Agents are independent of FamilyGuard360.

7. Compliance and Conduct

  • Agents must comply with all laws and regulations related to insurance marketing and sales, including the TCPA (Telephone Consumer Protection Act) and CAN-SPAM Act.
  • Users must not engage in fraudulent, misleading, or deceptive practices.
  • Payments are non-refundable unless specified in a written agreement.

8. Privacy and Data Usage

  • Some services on the Platform may require payment.
  • We may share client information with registered Agents solely for the purpose of connecting them with potential Clients.
  • We do not sell personal data to third parties.

9. Disclaimer of Warranties

  • The Platform is provided "as-is" without any warranties, express or implied.
  • We do not guarantee uninterrupted service or error-free functionality.
  • We are not responsible for any decisions made based on information obtained through the Platform.

10. Limitation of Liability

  • We are not liable for any damages, losses, or claims resulting from interactions between Clients and Agents.
  • Our total liability, if any, is limited to the amount paid for services within the past three (3) months..

11. Termination

  • We reserve the right to suspend or terminate any account that violates these Terms or engages in fraudulent activity.
  • Users may deactivate their accounts at any time by contacting customer support.

12. Modifications to Terms

  • We may update these Terms at any time, with or without prior notice.
  • Continued use of the Platform signifies acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

  • These Terms are governed by the laws of the State of [Insert State].
  • Any disputes shall be resolved through arbitration in [Insert Jurisdiction] in accordance with the rules of the American Arbitration Association.

14. Contact Information

To use the Platform, you must:

  • FamilyGuard360[Address][Phone Number][Email Address]
  • By using FamilyGuard360, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.

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At FamilyGuard360, we are committed to excellence in everything we do. Our mission is to empower families with the tools they need to create a secure and comfortable living environment.

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