Terms of Service
Effective Date:
04/05/2026
Welcome to LifeInsuranceQuoting.com, By accessing my website, booking services, opting into communications, or using any products or services I provide, you (“User,” “you,” or “your”) agree to be bound by these Terms of Use and my Privacy Policy. Please read them carefully.
If you do not agree to these Terms, do not use my services.
1. Acceptance of Terms
By accessing my website, submitting your information, booking services, or opting in to receive communications (including SMS and email), you acknowledge that you have read, understood, and agree to these Terms of Use and my Privacy Policy.
I reserve the right to update or modify these Terms at any time. Any changes will be posted with an updated effective date. Continued use of my services constitutes acceptance of the revised Terms.
2. Eligibility
You must be at least 18 years old or the legal age of majority in your jurisdiction to use my services. By using my services, you represent and warrant that you meet this requirement.
3. Use of Services
You agree to use my website and services only for lawful purposes and in accordance with these Terms. You agree not to:
Violate any applicable local, state, federal, or international laws
Interfere with or disrupt the operation of my website or services
Copy, distribute, or misuse proprietary content without written permission
Submit false, misleading, or fraudulent information
4. Communications & SMS Messaging
By providing your contact information and opting in, you consent to receive communications from
James Kaliszewski, including SMS messages, emails, and phone calls.
SMS messages may include:
Service updates
Appointment or reminder notifications
Account-related messages
Promotional or marketing communications
Message frequency may vary.
Message and data rates may apply.
You may opt out of SMS messages at any time by replying STOP.
For help, reply HELP or contact us using the information below.
Consent to receive messages is not a condition of purchase.
I am not responsible for delayed, filtered, or undelivered messages due to carrier or technical issues. You are responsible for providing accurate and up-to-date contact information.
5. Intellectual Property
All content, materials, text, graphics, logos, videos, and communications provided by LifeInsuranceQuoting.com, are owned by or licensed to us and are protected by intellectual property laws.
You may not copy, reproduce, distribute, or use my materials without prior written permission.
6. Payments, Fees & Refunds
If applicable, pricing, payment terms, and billing details will be clearly disclosed prior to purchase. Unless otherwise stated in writing, all sales are final.
Any refund policies or guarantees will be clearly stated on the applicable offer page, agreement, or service description.
7. Disclaimer & Limitation of Liability
My services are provided on an “as-is” and “as-available” basis, without warranties of any kind, express or implied.
To the fullest extent permitted by law, James Kaliszewski, shall not be liable for:
Any indirect, incidental, consequential, or special damages
Loss of data, revenue, profits, or business opportunities
Issues arising from misuse of my services or communications
8. Termination
I reserve the right to suspend or terminate your access to my services at any time, with or without notice, if you violate these Terms or misuse my services.
Upon termination, all rights granted to you under these Terms immediately cease.
9. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which
LifeInsuranceQuoting.com is headquartered, without regard to conflict of law principles.
Any disputes shall be resolved exclusively in that jurisdiction.
10. Contact Information
For questions or concerns regarding these Terms of Use, please contact us at:
Business Name:
LifeInsuranceQuoting.com
Email:
Info@LifeInsuranceQuoting.com