These Terms of Use ("Terms") constitute a legal agreement between you ("you," "your," or "User") and Family Shield Coverage ("we," "us," or "our") governing your access to and use of the website located at familyshieldcoverage.com and any related services (collectively, the "Service").
By accessing, browsing, or using our Service, including by submitting any information through our forms, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Service.
You must be at least 18 years old and a resident of the United States to use this Service.
Family Shield Coverage is a lead generation and consumer-matching service. We connect consumers seeking information about final expense insurance, life insurance, and related coverage products with licensed insurance agents and partners.
You acknowledge that any insurance product, quote, or advice you receive will come from a licensed third party, not from us.
You represent and warrant that:
If you submit false, misleading, or fraudulent information, we may terminate your access to the Service and pursue any legal remedies available.
When you submit information through our forms, you confirm that:
You grant us a non-exclusive, royalty-free, worldwide license to use, store, transmit, and share the information you provide for the purposes outlined in our Privacy Policy.
By submitting your information through our forms and clicking the consent checkbox or submission button, you provide your express written consent to receive communications from Family Shield Coverage and licensed insurance agents and partners.
You expressly consent to receive:
These communications will relate to final expense insurance, life insurance, related coverage products, and your inquiry. You acknowledge that:
By using our Service, you acknowledge that:
We make no representations or warranties about the qualifications, licensing status, products, or quality of service of any third-party agent. You are responsible for verifying any agent's credentials before purchasing any product.
The information provided on our website is for general informational purposes only and does not constitute insurance advice, financial advice, legal advice, or tax advice.
Insurance products vary by state, age, health status, and other factors. Coverage availability, premiums, terms, and conditions are determined solely by individual insurance carriers and are subject to underwriting.
You should consult with a licensed insurance professional before making any decisions regarding insurance coverage.
While we strive to provide accurate information, we make no representations or warranties about:
Information on our website may contain errors, omissions, or outdated content. Premiums, coverage amounts, and product availability are illustrative and may not reflect what is actually available to you.
You agree not to:
We reserve the right to terminate access for any user who violates these Terms.
All content on our website, including text, graphics, logos, images, audio, video, software, and the compilation thereof (the "Content"), is the property of Family Shield Coverage or our licensors and is protected by United States and international intellectual property laws.
You may not reproduce, modify, distribute, transmit, display, or create derivative works of the Content without our express written permission.
The "Family Shield Coverage" name and logo are trademarks of Family Shield Coverage.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR HARMFUL COMPONENTS; OR THAT THIRD-PARTY AGENTS WILL PROVIDE SATISFACTORY SERVICE OR PRODUCTS.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FAMILY SHIELD COVERAGE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, GOODWILL, OR DATA; DAMAGES RESULTING FROM YOUR INTERACTIONS WITH THIRD-PARTY AGENTS OR PARTNERS; DAMAGES RESULTING FROM ANY INSURANCE POLICY YOU PURCHASE OR FAIL TO PURCHASE; OR DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR INFORMATION.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU PAID TO US IN THE PRECEDING TWELVE MONTHS, WHICHEVER IS GREATER.
THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Family Shield Coverage and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or your interactions with Family Shield Coverage shall be resolved through binding individual arbitration rather than in court, except as set forth below.
YOU AND FAMILY SHIELD COVERAGE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
You agree that you will not participate in a class action, class-wide arbitration, private attorney general action, or any consolidated action of any kind related to the Service.
The following disputes are not subject to arbitration:
You have the right to opt out of this arbitration provision by sending written notice to support@familyshieldcoverage.com within 30 days of first using the Service. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.
Any disputes not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.
We may terminate or suspend your access to the Service at any time, without notice, for any reason, including violation of these Terms.
Upon termination, your right to use the Service will cease immediately. The provisions of these Terms that by their nature should survive termination (including but not limited to ownership provisions, warranty disclaimers, indemnity, limitations of liability, and dispute resolution) shall survive.
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Effective Date" at the top of these Terms. Your continued use of the Service after changes are posted constitutes your acceptance of the updated Terms.
If you do not agree to the modified Terms, you must stop using the Service.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Family Shield Coverage regarding the Service and supersede all prior agreements and understandings.
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
You may not assign or transfer these Terms or any rights hereunder. We may assign these Terms without restriction.
If you have questions about these Terms, please contact us:
Family Shield Coverage
Urbanización Parques del Río, Km 1 Vía Samborondón
Email: support@familyshieldcoverage.com
Phone: (412) 492-3508
By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.