TERMS OF SERVICE

1. AGREEMENT TO TERMS

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Insurance Life Advisors LLC ("Company", "we", "us", or "our"), concerning your access to and use of our lead generation and sales services.

You agree that by accessing the Service, you have read, understood, and agree to be bound by all of these Terms of Service. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF SERVICE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Service at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms of Service, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Service to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Service by your continued use of the Service after the date such revised Terms of Service are posted.

2. SERVICES

We provide lead generation services for businesses seeking potential customers. Our leads are sourced through various marketing channels, including but not limited to online advertising, social media, email marketing, content marketing, and partnerships with third-party lead generators.

2.1 Lead Quality

We make reasonable efforts to provide high-quality leads based on the criteria specified by you. However, we do not guarantee that all leads will result in sales or conversions. You acknowledge that lead quality can vary based on numerous factors outside our control.

2.2 Lead Delivery

Leads will be delivered through our platform, via email, or through other agreed-upon methods. Delivery timeframes will depend on your subscription plan and specific requirements.

3. PURCHASES AND PAYMENT

3.1 Pricing and Payment

All prices for our services are listed on our website or provided to you directly. Prices are subject to change without notice. Payment is required in advance for all lead purchases unless otherwise specified in a separate written agreement.

3.2 Accepted Payment Methods

We accept payment via credit card, debit card, bank transfer, or other payment methods specified on our website. By providing payment information, you represent and warrant that you have the legal right to use any payment method(s) provided.

3.3 No Refund Policy
ALL SALES ARE FINAL. NO REFUNDS WILL BE ISSUED FOR ANY REASON.

Once leads have been delivered, no refunds, replacements, or credits will be provided regardless of your satisfaction with the leads or their performance. You acknowledge that lead generation is inherently unpredictable, and results cannot be guaranteed.

3.4 No Cancellation Policy

Once an order has been placed, it cannot be cancelled. All fees paid are non-refundable, and you remain obligated to pay any outstanding balance for services rendered.

4. USER REPRESENTATIONS

By using the Service, you represent and warrant that:

(1) You have the legal capacity and agree to comply with these Terms of Service;
(2) You will use the Service for lawful purposes only and in accordance with these Terms of Service;
(3) You will provide accurate, current, and complete information in all communications with us;
(4) You will maintain the security of your account and password;
(5) You will not access the Service through automated or non-human means, except as specifically permitted;
(6) You will not use the Service for any illegal or unauthorized purpose;
(7) Your use of the Service will not violate any applicable law or regulation.

5. PROHIBITED ACTIVITIES

You may not access or use the Service for any purpose other than that for which we make the Service available. The Service may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Service, you agree not to:

Systematically retrieve data or other content from the Service to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.Circumvent, disable, or otherwise interfere with security-related features of the Service.Use any information obtained from the Service in order to harass, abuse, or harm another person.Use the Service in a manner inconsistent with any applicable laws or regulations.Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming that interferes with any party's uninterrupted use and enjoyment of the Service.Engage in any automated use of the system, such as using scripts to send comments or messages.Delete the copyright or other proprietary rights notice from any Service content.Attempt to impersonate another user or person or use the username of another user.Sell or otherwise transfer your profile.Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Service to you.

6. INTELLECTUAL PROPERTY RIGHTS

6.1 Our Intellectual Property

The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

6.2 Your Use of Our Intellectual Property

Leads and related information provided to you through our Service are licensed, not sold. You are granted a limited, non-exclusive, non-transferable license to use the leads solely for your internal business purposes.

RESELLING LEADS IS STRICTLY PROHIBITED.

You may not resell, redistribute, sublicense, share, transfer, or repurpose the leads in any way. Each lead is licensed exclusively to the purchasing user/entity and may only be used by that specific user/entity. Any attempt to resell or transfer leads to third parties constitutes a material breach of these Terms and may result in immediate termination of your account and potential legal action.

7. TERM AND TERMINATION

7.1 Term

These Terms of Service shall remain in full force and effect while you use the Service.

7.2 Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service. Upon termination, your right to use the Service will immediately cease.

7.3 Effect of Termination

All provisions of these Terms of Service which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

8. DISCLAIMERS

8.1 "AS IS" and "AS AVAILABLE"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

8.2 No Guarantees

We do not warrant that a) the Service will function uninterrupted, secure, or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements or expectations.

8.3 Lead Performance

We specifically do not guarantee any specific results from the use of our leads. Lead quality, responsiveness, and conversion rates may vary. You understand and acknowledge that lead generation is inherently unpredictable, and your results will depend on various factors, including your products/services, pricing, sales approach, market conditions, and other factors beyond our control.

9. LIMITATION OF LIABILITY

In no event shall we be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to your use of, or inability to use, the Service.

To the maximum extent permitted by applicable law, we assume no liability or responsibility for any:
(i) errors, mistakes, or inaccuracies of content;
(ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of our service;
(iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein;
(iv) any interruption or cessation of transmission to or from the service;
(v) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our service by any third party;
(vi) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the service; and/or
(vii) the defamatory, offensive, or illegal conduct of any third party.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your use of the Service; (2) breach of these Terms of Service; (3) any breach of your representations and warranties set forth in these Terms of Service; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Service with whom you connected via the Service.

11. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Service, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Service, satisfy any legal requirement that such communication be in writing.

12. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

13. MISCELLANEOUS

13.1 Entire Agreement

These Terms of Service constitute the entire agreement between you and us regarding the Service, superseding any prior agreements.

13.2 Waiver

Our failure to exercise or enforce any right or provision of these Terms of Service shall not operate as a waiver of such right or provision.

13.3 Severability

If any provision of these Terms of Service is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

13.4 Assignment

You may not assign these Terms of Service without our prior written consent, but we may freely assign these Terms of Service.

13.5 Governing Law

These Terms of Service and your use of the Service shall be governed by and construed in accordance with the laws of the state of Florida, without regard to its conflict of law principles.

13.6 Dispute Resolution

Any disputes arising out of or relating to these Terms of Service or the Service shall be resolved exclusively through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Miami, Florida.

13.7 Class Action Waiver

Any arbitration shall be limited to the claim between us and you individually. YOU AND THE COMPANY AGREE THAT (A) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS-ACTION BASIS OR TO UTILIZE CLASS ACTION PROCEDURES; (B) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR AS A PRIVATE ATTORNEY GENERAL; AND (C) NO ARBITRATION SHALL BE JOINED WITH ANY OTHER ARBITRATION.

14. CONTACT US

For any questions about these Terms of Service, please contact us at:

Insurance Life Advisors LLC
777 Brickell Ave, Ste 500-95981
Miami, FL 33131
[email protected]

Last Updated: March 18, 2025

BY USING OUR SERVICE OR PLACING AN ORDER, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, YOU MUST NOT USE OUR SERVICE.