These Terms of Use (“Terms”) govern your access to and use of PolicyProfile.com and the services, tools, quote experiences, content, and communications made available through the website (collectively, the “Service”).
The Service is provided by:
Policy Profile LLC
5400 South Lakeshore Drive
Suite 201
Tempe, AZ 85283-2185
Email: hello@policyprofile.com
By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. About Policy Profile
Policy Profile LLC is a licensed insurance agency. Policy Profile works with multiple insurance companies and helps consumers explore life insurance coverage options.
Policy Profile is not an insurance company and does not issue insurance policies. Insurance products are issued by the applicable insurance company, and all applications, underwriting decisions, approvals, coverage terms, and final premiums are subject to that insurance company’s rules and requirements.
2. Insurance Quotes and Rate Estimates
Rates displayed through PolicyProfile.com are estimates based on the information you provide and the insurance products available through the companies with which Policy Profile works.
A displayed rate:
- is not an offer or contract of insurance;
- does not mean that you have been approved or qualify for a particular policy, rate class, or insurance company;
- may change after an insurance company reviews your application, health history, underwriting information, or other relevant information; and
- may not be available in every state or to every applicant.
Final eligibility, coverage, policy terms, and premium are determined by the issuing insurance company.
Policy Profile may help you compare available options, answer questions, and assist with the insurance application process. Nothing displayed on the website guarantees that any particular insurer will issue coverage.
3. Information You Provide
You agree to provide information that is accurate and complete to the best of your knowledge.
Insurance estimates depend on the information provided. Incorrect, incomplete, or outdated information may affect the rates, products, or other information shown to you.
You may be asked to provide information such as your ZIP code, age or date of birth, gender used for insurance rating, tobacco or nicotine history, height and weight, limited health information, desired coverage, and contact information.
Providing information through PolicyProfile.com does not itself create insurance coverage or an insurance contract.
4. Eligibility to Use the Service
The Service is intended for adults seeking information about life insurance coverage in the United States.
You must be at least 18 years old to submit a quote request or request contact from Policy Profile.
Insurance-product availability may depend on age, state, coverage amount, underwriting requirements, and other factors.
5. Contact from Policy Profile
If you request assistance or submit your contact information, Policy Profile LLC and its licensed agents may contact you regarding your life insurance quote, coverage options, questions, or application.
Where disclosed at the point of submission, calls may be made using automated technology and artificial or prerecorded voice.
Your consent to receive marketing communications is not a condition of purchasing insurance.
Any separate consent you provide to receive SMS or text messages is governed by the SMS Messaging Terms below.
6. SMS Messaging Terms
Policy Profile Quote Messaging
If you separately opt in to receive text messages, you consent to receive recurring SMS or text messages from Policy Profile LLC regarding your insurance quote, coverage options, follow-up questions, and related Policy Profile services.
Message frequency varies. Message and data rates may apply.
You may opt out at any time by replying STOP to any Policy Profile text message.
For assistance, reply HELP or contact Policy Profile at hello@policyprofile.com.
Your consent to receive text messages is not a condition of purchasing insurance or receiving assistance from Policy Profile.
If you opt out, you may continue to receive non-SMS communications where you have otherwise authorized or requested them.
Carriers are not liable for any delayed or undelivered messages.
Your participation in Policy Profile SMS messaging is also subject to our Privacy Policy.
SMS Consent and Mobile Information
SMS consent applies only to Policy Profile LLC for the messaging purposes disclosed when you opt in.
Policy Profile does not sell, rent, transfer, or provide SMS opt-in consent to unrelated parties for their own marketing.
Mobile information and SMS opt-in consent collected by Policy Profile will not be shared with or sold to third parties or affiliates for marketing or promotional purposes.
7. Electronic Communications
When you communicate with Policy Profile electronically, you consent to receive communications related to that interaction electronically, including by email and through the website.
Electronic communications satisfy any requirement that such communications be provided in writing to the extent permitted by applicable law.
8. Insurance Companies and Third-Party Services
Policy Profile works with independent insurance companies and may use service providers to operate portions of the Service.
Insurance companies are separate legal entities. Policy Profile does not control their:
- underwriting decisions;
- policy approvals;
- policy terms;
- premium changes;
- claims decisions; or
- availability of particular products.
The Service may also contain links to third-party websites or services. Policy Profile is not responsible for the content, availability, security, privacy practices, or services provided by third parties.
Your use of a third-party service may be governed by that third party’s own terms and privacy policies.
9. No Professional Advice Outside Insurance Services
Content on PolicyProfile.com is provided for general informational and insurance-related purposes.
Nothing on the website is intended to provide legal, tax, medical, investment, or accounting advice.
You should consult an appropriate professional when you need advice in those areas.
10. Acceptable Use
You may use the Service only for lawful personal purposes.
You may not:
- interfere with or disrupt the Service;
- attempt to gain unauthorized access to any system or data;
- use automated tools to scrape, copy, or extract the Service except as permitted by law;
- submit false, fraudulent, or misleading information;
- impersonate another person;
- attempt to circumvent security or rate-limiting measures; or
- use the Service in violation of applicable law or the rights of others.
Policy Profile may restrict or terminate access where it reasonably believes the Service is being misused.
11. Intellectual Property
Unless otherwise stated, PolicyProfile.com and its original text, graphics, designs, software, interfaces, branding, logos, and other content are owned by or licensed to Policy Profile LLC and are protected by applicable intellectual-property laws.
Insurance-company names, logos, trademarks, and product names belong to their respective owners.
You may use the website for personal, noncommercial purposes. No other rights are granted unless expressly stated in writing.
12. Availability of the Service
Policy Profile may modify, suspend, discontinue, maintain, or update any portion of the Service at any time.
We do not guarantee that the website, quote tools, rate information, or other features will always be available, uninterrupted, current, or error-free.
Temporary outages may result from maintenance, third-party services, internet failures, or circumstances outside Policy Profile’s reasonable control.
13. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
POLICY PROFILE DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY.
POLICY PROFILE DOES NOT WARRANT THAT:
- EVERY INSURANCE PRODUCT OR RATE DISPLAYED WILL BE AVAILABLE TO YOU;
- A QUOTE WILL RESULT IN AN APPROVED APPLICATION;
- AN INSURANCE COMPANY WILL OFFER COVERAGE;
- A DISPLAYED PREMIUM WILL BE THE FINAL PREMIUM; OR
- THE SERVICE WILL ALWAYS BE AVAILABLE OR ERROR-FREE.
Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POLICY PROFILE LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE.
This includes losses resulting from interruptions, errors, inaccurate information, unauthorized access, third-party services, or decisions made by independent insurance companies.
Nothing in these Terms excludes or limits liability where applicable law prohibits such exclusion or limitation.
15. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Policy Profile LLC and its owners, officers, employees, agents, and service providers from claims, liabilities, losses, damages, and reasonable expenses arising from:
- your unlawful or improper use of the Service;
- your violation of these Terms;
- information or content you knowingly submit fraudulently; or
- your infringement of another party’s rights.
16. Privacy
Your use of the Service is subject to the Policy Profile Privacy Policy.
The Privacy Policy explains how Policy Profile collects, uses, processes, and protects personal information, including specific protections applicable to mobile information and SMS opt-in consent.
17. Changes to These Terms
Policy Profile may update these Terms from time to time.
When we make changes, we will update the effective date displayed at the top of this page. Material changes may also be communicated through the website or other appropriate means.
Your continued use of the Service after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.
18. Governing Law and Venue
These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles.
To the extent a dispute is properly brought in court, the parties agree to the jurisdiction of the state and federal courts having jurisdiction in Maricopa County, Arizona, except where applicable law requires otherwise.
19. Severability
If any provision of these Terms is determined to be invalid or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
20. No Waiver
Policy Profile’s failure to enforce any provision of these Terms does not waive its right to enforce that provision or any other provision later.
21. Contact Us
Questions about these Terms or Policy Profile’s services may be directed to:
Policy Profile LLC
5400 South Lakeshore Drive
Suite 201
Tempe, AZ 85283-2185
Email: hello@policyprofile.com