Notice of Arbitration Agreement
These Terms & Conditions contain an Arbitration Agreement that may impact your rights to use the courts to resolve disputes. Please carefully review the terms of the Arbitration Agreement below. If you do not wish to be bound by the Arbitration Agreement, do not use the Service as defined herein.
Notice of Class Action/Class Arbitration Waiver
These Terms & Conditions include a waiver of your right to proceed with class actions or class arbitrations. Please carefully review the Arbitration section for details. If you do not wish to waive rights to class-based relief, do not use the Service.
The following Terms & Conditions (the “Terms“) govern your use of the www.principledlife.com site (the “Site“). The Site is made available by Principled Life LLC (the “Site Proprietor”, “us”, or “we”). BY USING THE SITE, YOU ACCEPT AND AGREE TO THESE TERMS AS APPLIED TO YOUR USE OF THE SITE. If you do not agree to these Terms, you may not access or otherwise use the Site and should cease your use of the Site immediately. We may change the Terms from time to time, and at any time without notice to you, by posting such changes on the Site. By using the Site following any modifications to the Terms, you agree to be bound by any such modifications to the Terms.
You may only use the Site if you are domiciled in the United States and you are 18 years old or older.
Services Available on the Site
Via the Site, we provide a service by which consumers can apply to receive insurance or discount program quotations from our network of insurance agents, brokers, discount program representatives and/or other third-party service providers (the “Services”). We seek to provide valuable information that individuals can use to make their own decisions about insurance and discount programs. Once you provide us with the information needed in your application to receive a free quote, we will attempt to match you with appropriate insurance agents, brokers, discount programs, or other third-party companies who may do the same.
We do not issue insurance contracts or bind coverage. We do not endorse or recommend any companies or insurance policies, and we do not provide insurance, tax, or financial advice. We do not guarantee that any of the insurance agents, brokers, and/or others companies to whom we forward your request will contact you or agree to provide you coverage. We are not responsible in any way for the conduct of the insurance agents, brokers, discount program representatives, and/or other companies that are matched with your online application/request. If you would like personal advice or specific policy recommendations, you should consult with an insurance agent, broker, or other qualified professional.
We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site or the Services, including, but not limited to, content, features, or hours of availability. We may also impose limits on certain features of the Services or Site or restrict your access to part of or the entire Site without notice or penalty.
There is no charge to you for use of the Site.
How We Make Money
Site Proprietor is an independent, advertising-supported website publisher that helps connect individuals with insurance providers and other affiliates to give consumers an opportunity to get information about life insurance and connect with insurance agents. This Site may earn revenue for leads, clicks, calls, and applications generated and may be compensated by its advertisers for sponsored products and services. This compensation may impact how, where, and in what order products appear. This Site does not include all companies or all available products. This Site is not a broker or agent on the sale of insurance products.
Proprietary Rights
As between you and the Site Proprietor, the Site Proprietor owns, solely and exclusively, all rights, title and interest in and to the Site, all the content, code, data, and materials thereon, the look and feel, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership of any content, code, data, or materials you may access on the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content on the Site on your personal computer or other internet-compatible devices, and make single copies or prints of the content on the Site for your personal, non-commercial use only. You may not otherwise copy, reproduce, distribute or otherwise exploit any content, code, data, or materials on the Site. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of our trade names, trademarks, service marks, or other marks or logos without our separate express written agreement. Third-party marks are the property of their respective owners.
User Submissions
In the course of your use of the Site, you may be asked to provide, or you may provide on your own inclination, information or materials to us (such information and/or materials referred to hereinafter as “User Submissions”). User Submissions include, for example, information you submit to us via your application to receive quotations (“Application Data”). User Submissions also include information and materials you submit to us via other online forms on the Site, by e-mail, or in any other manner via the Site. Our information collection and use policies with respect to the privacy of personal information (with the exception of testimonials, which may be used as set forth below) are set forth in the Site’s Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Submissions. We cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate, or in violation of these Terms.
User Conduct
You warrant and agree that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (a) are protected by copyright, or other proprietary or intellectual property right, without first obtaining permission from the proprietary or intellectual property rights holder; (b) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another’s privacy or hateful, (c) restrict or inhibit any other user from using and enjoying the Site, (d) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability, or (e) contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.
You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes; (c) engage in spamming, flooding, harvesting of e-mail addresses or other personal information, spidering, “screen scraping,” “database scraping,” or any other activity with the purpose of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Site; or (d) attempt to gain unauthorized access to other computer systems through the Site. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
You agree to defend, indemnify and hold the Site Proprietor and its directors, officers, employees, agents, and affiliates harmless from any and all claims, liabilities, demands, losses, costs, and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, or your breach or violation of the law or of these Terms.
Arbitration
Any controversy or claim arising out of or relating to these Terms, or the breach thereof, or Your access to or use of the Services, shall be resolved exclusively by arbitration administered by the American Arbitration Association (“AAA”) and conducted before a single arbitrator pursuant to the applicable Rules and Procedures established by the AAA. You further agree that (1) the arbitration will be held in New York; (2) the arbitrator shall apply the laws of the State of New York, without regard to its conflict of law principles to the contrary; (3) You waive any right to proceed in arbitration on a class or representative basis; (4) arbitration can resolve only claims between You and Site Proprietor; (5) the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated; and (6) all parts of this clause are severable, meaning that if any part is deemed unenforceable, the remainder of the clause will remain in effect and construed in accordance with its terms.
DISCLAIMER OF WARRANTIES
THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS, AND MATERIALS, IS PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES, CONTENT, FUNCTIONS, OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED, OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE.
YOU SHOULD NOT RELY ON THE SITE TO MAINTAIN ANY USER SUBMISSION; YOU SHOULD RETAIN ALL SUCH DATA AND INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE FAILS OR IS UNAVAILABLE, OR THE DATA OR INFORMATION IS LOST.
LIMITATION OF LIABILITY
IN NO EVENT SHALL THE SITE PROPRIETOR OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE SITE.
Links from and to the Site
You acknowledge and agree that we have no responsibility for the accuracy or availability of information provided by websites to which you may link from or to the Site (“Linked Sites”). Links to or from Linked Sites do not constitute an endorsement by or association with us of such sites or the content, products, advertising, or other materials presented on such sites. We do not author, edit, or monitor these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on such Linked Sites.
Links to Third Party Web Sites
If you use any links provided in the Site to websites not owned or maintained by Site Proprietor (“Off-sites”), you will leave the Site. Site Proprietor is not responsible for any Off-site’s privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any Off-Sites, and Site Proprietor takes no responsibility for such sites.
Mobile Terms & Conditions/Privacy Policy
How to Opt-in to the Program
Follow the prompts on our quote request form and click the submit button to receive standard rate SMS text messages from Site Proprietor.
About the Program
The Site Proprietor SMS program is a standard rate subscription alerts program (10 msgs/mo) designed to inform clients about insurance products and services from Site Proprietor. Message and Data rates may apply. By opting into this program, you (the end user) are giving express consent for Site Proprietor to contact you regarding insurance offerings. Carriers are not liable for delayed or undelivered messages.
To Request Help
Reply HELP for help, or send an email to info@principledlife.com.
To Opt-Out
Text STOP to opt-out.
Message Frequency
You will receive no more than 10 messages from us per month.
Privacy Policy
You can review our Privacy Policy here: www.principledlife.com/privacy-policy/.
Supported Carriers
AlltelAWCC, AT&T, Boost, Cricket, Cellcom, Cellular South, Cincinnati Bell, T-Mobile/MetroPCS, Nextel, nTelos, Sprint, Verizon Wireless, Virgin Mobile, U.S. Cellular, ACS Wireless, Bluegrass Cellular, Centennial Wireless, ECIT – Cell One of East Central IL, EKN/Appalachian Wireless, GCI Communications, Illinois Valley Cellular, Immix Wireless/PC Management, Inland Cellular, Nex-Tech Wireless, RCC/Unicel, Revol, Thumb Cellular, United Wireless, West Central Wireless
Applicable Laws
We control and operate this Site from our offices in the United States of America. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.
Miscellaneous
The Terms and the relationship between you and us shall be governed by the laws of the State of New York without regard to its conflict of law provisions. You agree that any use of action that may arise under the Terms shall be commenced and be heard in the appropriate arbitration center in the State of New York, pursuant to the Section on Arbitration. You agree to submit to the personal and exclusive jurisdiction of the State of New York via Arbitration. Our failure to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court or arbitrator of competent jurisdiction to be invalid, the parties nevertheless agree that the court or arbitrator should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms shall remain in full force and effect.
These Terms and Conditions were last reviewed on July 1, 2022.