Terms & Conditions

Effective Date: December 5, 2024

1. Acceptance of Terms

By accessing and using the ItsPhiLife website and services ("Services"), you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services. These Terms apply to all visitors, users, and others who access or use the Services.

2. Description of Services

ItsPhiLife is a licensed life insurance agency that provides life insurance quotes, information, and facilitates the purchase of life insurance policies from various insurance carriers. We act as an intermediary between you and insurance carriers, helping you find appropriate life insurance coverage based on your needs and circumstances.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate, current, and complete information

4. User Responsibilities

When using our Services, you agree to:

• Provide truthful, accurate, and complete information
• Update your information as necessary to maintain its accuracy
• Not misrepresent your identity or affiliation with any person or entity
• Not use the Services for any unlawful purpose
• Not attempt to gain unauthorized access to any portion of the Services
• Comply with all applicable laws and regulations

5. Insurance Products and Quotes

5.1 No Guarantee of Coverage

Obtaining a quote through our Services does not guarantee that you will be approved for coverage. All applications are subject to underwriting by the insurance carrier, and approval is at their sole discretion.

5.2 Quote Accuracy

Insurance quotes provided are estimates based on the information you provide. Final premiums may vary based on underwriting results, including but not limited to medical examinations, medical records review, and other factors.

5.3 Policy Terms

The specific terms, conditions, and coverage of any insurance policy are determined by the insurance carrier and will be detailed in your policy documents. ItsPhiLife is not responsible for the terms of policies issued by insurance carriers.

6. Fees and Compensation

Our services to consumers are provided at no direct cost. We receive commissions from insurance carriers when policies are purchased through our agency. This compensation does not affect the price you pay for insurance coverage.

7. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

8. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, audio clips, and software, is the property of ItsPhiLife or its content suppliers and is protected by U.S. and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

9. Disclaimers and Limitations of Liability

9.1 No Professional Advice

Information provided through our Services is for general informational purposes only and should not be considered as professional financial, legal, or tax advice. Always consult with qualified professionals for advice specific to your situation.

9.2 Service Availability

We strive to maintain continuous availability of our Services but cannot guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue any part of our Services at any time.

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ITSPHILIFE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

10. Indemnification

You agree to indemnify, defend, and hold harmless ItsPhiLife, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.

11. Electronic Communications and Signatures

By using our Services, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You further agree that your electronic signature on documents has the same legal effect as your handwritten signature.

12. Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions.

12.2 Arbitration

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Maryland, and judgment on the arbitration award may be entered in any court having jurisdiction.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ItsPhiLife regarding the use of our Services and supersede all prior agreements and understandings.

16. Contact Information

For questions about these Terms and Conditions, please contact us at:

ItsPhiLife
7125 Thomas Edison Dr
Columbia, MD 21046
Phone: (443) 351-6755
Email: support@itsphilife.com

17. Agent Licensing Information

ItsPhiLife and its agents are licensed to sell life insurance in multiple states. Specific licensing information is available upon request. Insurance products are subject to state availability and approval.