Terms of Service

1. Acceptance of Terms

By accessing or using TermLifeCompare.com, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use this website.

2. Use of Website

You may use this website for lawful purposes only. You agree not to use this website to:

• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others
• Transmit viruses, malware, or harmful code
• Attempt to collect or misuse personal information of other users

3. Life Insurance Services

TermLifeCompare.com is operated by a licensed life insurance agent. The agent is licensed in multiple states. Insurance products are offered only in states where the agent is properly licensed.

Life insurance policies are issued by third-party insurance carriers. Coverage availability, eligibility, pricing, and underwriting decisions are determined solely by the issuing insurance carriers.

Not all products are available in all states.

4. General Agency Disclosure

Applications submitted through TermLifeCompare.com are processed through BackNine Insurance and Financial Services, Inc., a licensed general agency that provides digital application and processing services.

5. Intellectual Property

All content on TermLifeCompare.com, including text, graphics, logos, icons, and images, is the property of TermLifeCompare.com or its licensors and is protected by applicable intellectual property laws. Unauthorized use of any content is prohibited.

6. Disclaimer

TermLifeCompare.com is not an insurance company. Information provided on this website is for general informational purposes only and does not guarantee coverage, pricing, or approval.

While assistance may be provided by a licensed insurance agent, all insurance decisions are the responsibility of the consumer.

7. Limitation of Liability

To the fullest extent permitted by law, TermLifeCompare.com shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to the use of this website or reliance on its content.

8. Indemnification

You agree to indemnify and hold harmless TermLifeCompare.com, its owners, affiliates, and partners from any claims, losses, liabilities, damages, or expenses arising out of your use of this website.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict-of-law principles.

10. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Any changes will be posted on this page and become effective immediately upon posting.

11. Contact Us

If you have any questions regarding these Terms of Service, please contact us at: sales@termlifecompare.com