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Terms & Conditions

1. Acceptance of Terms

 

By accessing and using this website, [iulsolutionsllc.com], you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must not use this website. These Terms constitute a binding legal agreement between you and [IUL Solutions LLC] (referred to herein as "IUL Solutions," "we," "us," or "our").

 

2. Nature of Website and No Insurance/Financial Advice

 

 

2.1 Informational Purpose Only

 

This website is a marketing and informational platform only. Its content is general in nature and is provided for the sole purpose of informing you about the potential features and benefits of Indexed Universal Life (IUL) insurance.

 

2.2 Not Professional Advice

 

The content on this website is NOT financial, legal, tax, or insurance advice. You should not rely on the information provided herein for making personal financial decisions. Always consult with a qualified, licensed professional (financial advisor, attorney, or tax specialist) for advice specific to your personal circumstances.

 

2.3 No Policy Offer or Binding Coverage

 

Nothing on this website constitutes an offer to sell or a solicitation to buy any insurance product. This website does not generate insurance quotes, bind coverage, or guarantee acceptance for any insurance policy. Any discussions or communications initiated through the contact details provided on this site are for exploratory purposes only and do not create an agent-client or fiduciary relationship until a formal agreement is executed.

 

2.4 Geographic Licensing

 

IUL Solutions and its licensed agents only offer insurance products in jurisdictions where they are legally licensed to do so. Accessing this website in a state where we are not licensed does not constitute an offer to sell or service you.

 

3. Contact Methods and Communications

 

The only means of contact provided on this website are our listed phone number and email address. By initiating contact with us through these methods, you agree that:

  • You are requesting information regarding IUL Solutions’ services.

  • You consent to IUL Solutions or its agents contacting you by phone, email, or text message regarding your inquiry.

  • We may record telephone conversations for quality assurance and training purposes.

 

4. Intellectual Property and Content Use

 

All content on this website, including text, graphics, logos, images, descriptions of IUL strategies, and any software, is the exclusive property of IUL Solutions and is protected by United States and international copyright, trademark, and other intellectual property laws.

  • Permitted Use: You may view, download, and print pages for your personal, non-commercial use only.

  • Prohibited Use: You may not copy, reproduce, republish, distribute, sell, or exploit any content for commercial gain without our express written permission.

 

5. Limitation of Liability and Disclaimer of Warranties

 

 

5.1 Disclaimer of Warranties

 

THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. IUL Solutions makes no representations or warranties of any kind, express or implied, as to the operation of the website or the accuracy or completeness of the information, content, materials, or products included on this site. To the full extent permissible by applicable law, IUL Solutions disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

 

5.2 Limitation of Liability

 

YOU EXPRESSLY AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. IUL Solutions will not be liable for any damages of any kind arising from the use of this website, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages (including, without limitation, damages for lost profits, lost data, or business interruption).

Maximum Liability: In the event that a court finds IUL Solutions liable for any loss or damage, our total liability shall not exceed the lesser of (a) the amount you paid, if any, to IUL Solutions for access to or use of the website in the twelve (12) months preceding the claim, or (b) One Hundred U.S. Dollars ($100.00).

 

6. Indemnification

 

You agree to indemnify, defend, and hold harmless IUL Solutions, its members, managers, employees, and agents from and against any and all 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 website, or your violation of these Terms.

 

7. Governing Law, Venue, and Dispute Resolution

 

 

7.1 Governing Law

 

These Terms shall be governed by and construed in accordance with the laws of the State of Massachusetts, U.S.A., without regard to its conflict of law principles.

 

7.2 Exclusive Venue

 

You agree that any legal action or proceeding arising out of or relating to the use of this website shall be instituted exclusively in the federal or state courts located in Boston, Massachusetts.

 

8. Changes to Terms

 

IUL Solutions reserves the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the website following any change constitutes your acceptance of the new Terms.

 

9. Entire Agreement and Severability

 

These Terms constitute the entire agreement between you and IUL Solutions regarding the website. If any portion of these Terms is deemed unlawful, void, or unenforceable, that portion shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

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