TERMS OF USE AGREEMENT
Effective Date: May 20, 2026
Introduction
Welcome to Michael Garcia, Insurance & Financial Services | https://securelifeins.com/survey (the "Website"). This Terms of Use Agreement (the "Agreement") is made and entered into by and between you and Michael Garcia, Insurance & Financial Services (the "Company", "us", "we", or "our"). This Agreement sets forth the terms and conditions that govern your use of and access to the Website and any insurance products, financial services, materials, consultations, and related services provided by or through the Website (collectively, the "Services").
1. Acceptance of this Agreement
1.1 Acceptance through Using or Accessing the Services
By accessing or using the Services (or by clicking on "accept" or "agree" to this Agreement when prompted), you agree to be bound by the terms and conditions of this Agreement on behalf of yourself or the entity or organization that you represent. If you do not agree to the terms and conditions of this Agreement, you may not use or access the Services and must exit the Website immediately.
1.2 Eligibility Requirements to Use or Access the Services
To use the Website or any other Services, you must be:
(i) at least 18 years old, and
(ii) legally eligible to purchase insurance or financial products under applicable laws.
By accessing or using the Services, you represent and warrant that you meet all the foregoing eligibility requirements. You also represent and warrant that you have the right, authority, and capacity to enter into this Agreement on your behalf or the entity or organization that you represent.
1.3 Changes to this Agreement
The Company reserves the right to change this Agreement from time to time in its sole discretion. Except for changes made for legal or administrative purposes, the Company will provide reasonable advance notice before the changes become effective.
Your continued use of or access to the Services following any changes to this Agreement constitutes your acknowledgment and acceptance of those changes.
2. Access to the Services
2.1 Changes to Your Access and the Services
The Services may change from time to time as the Company expands or updates its insurance and financial offerings. We reserve the right to modify, withdraw, or discontinue the Services at any time without notice.
2.2 Creating an Account
You may be required to register for an account and provide accurate and current information to access certain Services. All information provided by you is governed by our Privacy Policy:
2.3 Account Responsibilities
You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
2.4 Termination or Deletion of an Account
The Company reserves the right to suspend or terminate your account if you violate this Agreement or misuse the Services.
3. Policy for Using the Services
3.1 Permitted Uses
You may use the Services solely for lawful purposes related to insurance products, financial planning, financial education, policy servicing, customer support, and related business purposes.
3.2 Prohibited Activities
You agree not to:
Violate any laws or regulations
Submit false insurance or financial information
Attempt unauthorized access to systems
Distribute spam or fraudulent communications
Interfere with the Services or Website operations
Misrepresent your identity or financial status
Upload malicious software or harmful code
Use the Services to compete against the Company
4. Insurance and Financial Services Disclaimer
4.1 No Guarantee of Coverage or Approval
Submitting information through the Website does not guarantee approval for insurance coverage, financial products, loans, or other services.
4.2 Quotes and Estimates
Insurance quotes, rates, premiums, or financial estimates displayed through the Services are subject to underwriting review, eligibility verification, and carrier approval.
4.3 Not Financial, Legal, or Tax Advice
Any information provided through the Services is for informational purposes only and should not be considered legal, tax, investment, or financial advice. You should consult qualified professionals before making financial decisions.
5. Terms and Conditions of Sale
5.1 Purchasing Process
Users may purchase insurance-related or financial services through the Website by submitting required personal and payment information.
5.2 Payment Processing
All payments are processed securely through third-party payment providers. The Company does not store full payment card information.
5.3 Pricing
All pricing, premiums, service fees, and charges will be disclosed during the purchasing process.
6. Subscriptions and Recurring Services
6.1 Recurring Services
Some financial or insurance-related services may involve recurring billing or subscription-based support services.
6.2 Automatic Renewal
Subscriptions may renew automatically unless canceled before the renewal date.
6.3 Cancellation
You may cancel recurring services by contacting the Company using the contact information provided below.
7. Intellectual Property Rights
All content, trademarks, logos, graphics, educational materials, and service information on the Website are owned by the Company or its licensors and are protected by applicable intellectual property laws.
You may not reproduce, copy, distribute, modify, or exploit any Website content without prior written consent.
8. User Content
You may submit information, documents, reviews, or communications through the Services ("User Content").
You are solely responsible for your User Content and agree not to submit content that:
Violates laws
Contains false or misleading information
Infringes intellectual property rights
Is abusive, defamatory, fraudulent, or offensive
Promotes illegal activity
The Company reserves the right to remove or reject any User Content at its sole discretion.
9. Copyright Infringement
If you believe content on the Website infringes your copyright, please contact:
10. Assumption of Risk
Insurance and financial decisions involve risk. The Company does not guarantee specific financial outcomes, investment performance, insurance approvals, or future savings.
You acknowledge that any reliance on information provided through the Services is at your own risk.
11. Privacy
For information regarding how we collect, use, and protect your information, please review our Privacy Policy:
All SMS opt-in data and consent information will not be shared with third parties for marketing purposes..
13. AI Technologies and Services
Our Services may include AI-powered tools such as:
Automated customer support
AI voice assistants
Insurance quote assistance
Financial service recommendations
Automated appointment scheduling
AI-generated information is provided for convenience only and should not replace professional advice.
You acknowledge that AI systems may occasionally generate inaccurate or incomplete information.
14. Termination
The Company may suspend or terminate access to the Services at any time for violations of this Agreement or misuse of the Services.
15. No Warranty
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.
WE DO NOT GUARANTEE:
Insurance approvals
Specific rates or premiums
Financial gains or investment performance
Continuous Website availability
Error-free Services
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES.
17. Indemnification
You agree to indemnify and hold harmless the Company and its affiliates from any claims, damages, liabilities, or expenses arising from your misuse of the Services or violation of this Agreement.
18. Disputes
18.1 Governing Law
This Agreement shall be governed by the laws of the State of New Jersey.
18.2 Arbitration
All disputes shall be resolved through binding arbitration in New Jersey, United States.
YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR JURY TRIALS.
19. SMS/Text Messaging Terms
19.1 SMS Program
Our SMS program may send:
Appointment reminders
Policy updates
Billing notices
Customer support communications
Promotional offers (with consent)
19.2 Opt-Out
You may opt out anytime by replying STOP.
19.3 Message Rates
Message and data rates may apply depending on your mobile carrier.
19.4 SMS Privacy
SMS consent and mobile information will not be shared with third parties for marketing purposes.
19.5 Carrier Liability Disclaimer
Delivery of SMS messages is subject to effective transmission by your mobile carrier and is not guaranteed. Carriers are not liable for delayed or undelivered messages.
20. Additional Protections
20.1 Data Security
We use reasonable security measures to protect your information, but no system is completely secure.
20.2 Refund Policy
Unless otherwise stated, all sales and service fees are non-refundable.
20.3 Reservation of Rights
All rights not expressly granted are reserved by the Company.
21. Contact Information
For questions, concerns, or support regarding these Terms of Use, please contact us:
Business Name: Michael Garcia
Phone: +1 469-390-2228
Address:
7300 Heirloom Drive, Fort Worth TX 76134
11. Link to Privacy Policy
Our Privacy Policy
explains how we collect, use, and protect your data. By using our services, you also agree to the terms of our Privacy Policy.