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Agreeing to these Terms of Use establishes an agreement between LifeRatesFinder.com and you. In effect, you are agreeing to these Terms of Use completely each time you use this website, or any of the associated software, hardware, sites, or services. Not only do you agree to these Terms of Use, but you also agree to always provide valid and up-to-date information if requested by LifeRatesFinder.com. If you disagree with any of the Terms of Use, not excluding our Privacy Policy, then you are prohibited from using any services associated with this website, and you should decline to provide any information if requested.

Disclaimer

All information and materials associated with LifeRatesFinder.com are provided “As Is”. This website does not express or imply any warranties. LifeRatesFinder.com’s materials are provided for comparison and research purposes solely. This website assumes no accountability when it comes to the accuracy of all information provided. Here at LifeRatesFinder.com, we strive to provide material of the highest quality; however, due to the technology involved, we may encounter inaccuracy or technical difficulties at times. LifeRatesFinder.com shopping services and life insurance comparisons are free services intended to aid customers in shopping for life insurance, and all disclaimers herein are in effect.

Age Requirement – Eighteen Years or Older

As of now, users are required to be at least 18 years of age to utilize this website. Those who do not meet this requirement are prohibited from providing any requested information to this site, for any purpose, including seeking services or information related to insurance. This website holds no responsibility for seeking verification to ensure users meet this age requirement. However, in the case that LifeRatesFinder.com finds out that a user is using this website despite not meeting this requirement, LifeRatesFinder.com may promptly try to end such access. We apologize for any inconvenience this policy may cause.

Liability Limitation

LifeRatesFinder.com will never be accountable to you for damages of any nature whatsoever including, but not limited to, incidental, special, consequential, direct, indirect, including without limitation, damages or lost profits due to business interruption or lost data, or punitive damages of any type that may result from use of this website, inability to use this website and products or services provided by this website. This applies to the greatest extent allowable under pertinent law. Be aware that exclusions of implicit warranties might not be permitted in certain jurisdictions. In such a scenario, LifeRatesFinder.com’s total liability owed to you for all losses, damages, and causes of action will never exceed the amount you, the user, paid for accessing this website.

It is the responsibility of the customer to evaluate their needs for life insurance as well as the accuracy of all information we deliver. This website does not consider any information as professional, legal, tax, or other advice. In some cases, a legal or tax adviser might be necessary in order to evaluate your personal circumstances.

By agreeing to these Terms of Use, you consent not to access this website for any of the following activities or purposes:

• Support or conduct illegal activity
• Stow or spread viruses, worms, or any destructive code
• Threaten, abuse, harass, injure, or impersonate others
• Interfere with other users’ access to LifeRatesFinder.com
• Gather information to send spam or actually delivering spam, sending unwanted email advertisements
• Disassemble, recompile, reverse engineer, or otherwise try to uncover any of this website’s source code

How Your Information is Used

LifeRatesFinder.com may utilize any information you provide in order to give you insurance information, and we might provide the info to any third parties whom we believe to be worthy of trust with the intent that they offer insurance information to you. LifeRatesFinder.com and the third parties may utilize the information in order to offer additional services and products to you. In the event that you do not want to receive offers for additional products and services, you should give you any contact information or professional information through this website.

Our website features a very brief form that you must complete in order to see rates from multiple insurance companies. If you give us contact information like your phone number or email address, we see this as an invitation to contact you about matters relating to insurance even if you happen to be on the federal or state “Do Not Call” list.

How Your Information is Utilized by Insurance Carriers

Whenever we provide your information to our partners, they may need more personally identifiable info in order to decide your final eligibility and rates for their insurance. Insurance underwriting standards may differ when it comes to each participating insurance company. Each business may place different levels of importance on different info on your application.

Sale of Assets

In the event LifeRatesFinder.com, or a considerable amount of its assets are acquired, all the information that we have accumulated through this site from all customers will most likely be given to the acquiring entity.

Information Release

We will never willfully utilize or disclose any personally identifiable information to third parties for any reason other than the ones described above, unless we gain permission from you or if the law requires us to do so.

In order to protect the well being of your information, we have security provisions in place. Unfortunately, there is no such thing as an impenetrable security system. Please use the “Contact Us” page if you happen to feel uncomfortable submitting any sensitive information to the LifeRatesFinder.com quote form.

LifeRatesFinder.com's Marketing Practices

Currently, our website works with various advertising companies as well as other marketers in order to promote the services we provide. Know that we take every precaution to make sure each and every company advertising for us is doing so in an ethical and legal manner. We do not participate in, nor do we tolerate, any spam or unsolicited emailing of any type. When it comes to unethical marketing practices or spam, we have a solid zero tolerance policy. Prior to working with an advertiser, we attempt to ensure that each person on their email lists have opted to receive their offers and that they uphold an “unsubscribe” list.

Don’t hesitate to contact us if you ever have any questions or issues about our Terms of Use or our privacy policy. Know that, as a website, we take the privacy of our customers very seriously.

Jurisdiction

LifeRatesFinder.com does not imply that any of the services or materials on this site are for use outside of the USA or available for use outside of the USA. Nor do we imply that we are imploring commerce in any such jurisdiction.

In the event that any provision of this agreement is revealed as unenforceable, unlawful, or void, it will not affect the remaining provisions’ validity or enforceability. We have to right to modify these Terms of Use at any point in time, simply by making an update to this posting or any of the information on this website without informing you.