Terms and Conditions

1. Use of the Website

You agree to use this Site only for lawful purposes and in a manner that does not violate any applicable laws or regulations. You must not:

• Use the Site for fraudulent or misleading purposes
• Attempt to gain unauthorized access to the Site or its systems
• Interfere with the security or functionality of the Site

2. No Insurance or Financial Advice

The information and tools provided on this Site, including any life insurance calculators, are for informational and educational purposes only.

• We are not an insurance company, broker, or agent
• Calculations and estimates are not guarantees of coverage, pricing, or eligibility
• Nothing on this Site constitutes insurance, legal, or financial advice

You should consult a licensed insurance professional or financial advisor before making decisions.

3. User Information and Submissions

By submitting information through the Site (such as name, email address, or phone number), you represent that:

• The information is accurate and current
• You have the legal right to provide such information

Your submission of personal information is governed by our Privacy Policy.

4. Marketing Communications

By providing your contact information, you consent to be contacted by us or our partners via email, phone call, or text message for informational or marketing purposes, subject to applicable laws. Message and data rates may apply. You may opt out at any time by following unsubscribe instructions or contacting us.

5. Intellectual Property Rights

All content on this Site, including text, graphics, logos, calculators, and design elements, is the property of Life Insurance Calculator or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, distribute, or exploit any content without prior written permission.

6. Third-Party Services and Links

The Site may contain links to third-party websites or services, including advertising platforms. We do not control and are not responsible for the content, policies, or practices of any third-party sites.

Use of third-party services is at your own risk.

7. Disclaimer of Warranties

This Site is provided on an “as is” and “as available” basis.

We make no warranties or representations of any kind, express or implied, including but not limited to:

• Accuracy or completeness of information
• Availability or uninterrupted access
• Fitness for a particular purpose

8. Limitation of Liability

To the fullest extent permitted by law, Life Insurance Calculator shall not be liable for any damages arising from use or inability to use the Site, reliance on any information provided, or errors, omissions, or interruptions. This includes direct, indirect, incidental, or consequential damages.

9. Indemnification

You agree to indemnify and hold harmless Life Insurance Calculator and its affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Michigan, United States, without regard to conflict of law principles.

11. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without notice, for any violation of these Terms.

12. Changes to These Terms

We may update these Terms and Conditions at any time. Any changes will be posted on this page with an updated “Last updated” date. Continued use of the Site constitutes acceptance of the revised Terms.

13. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us:

Email: lifeinsurecalculator@gmail.com

Location: Michigan, United States