Terms and Conditions

BetterLifeQuotes.com - Terms of Agreement

Effective Date: 03/11/2025

1. Acceptance of Terms

By accessing or using BetterLifeQuotes.com (hereinafter referred to as the "Site"), you (the "User") acknowledge that you have read, understood, and agree to be bound by these Terms of Agreement ("Terms") and all applicable laws and regulations. If you do not agree to these Terms, you are prohibited from using or accessing this Site.

We reserve the right to modify, amend, or update these Terms at any time without prior notice. Any modifications will be effective immediately upon posting to the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. It is your responsibility to periodically review these Terms for updates. You must affirmatively agree to these Terms during registration, and for material changes, we will provide at least 30 days’ notice via email prior to the new terms taking effect.

2. Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.

  • Country refers to: Florida, United States.

  • Company (referred to as either "the Company", "We", "Us", or "Our" in this Agreement) refers to BetterLifeQuotes.com LLC, 8325 SW 197th Ter, Miami, FL 33189.

  • Device means any device that can access the Service such as a computer, a cellphone, or a digital tablet.

  • Feedback means feedback, innovations, or suggestions sent by You regarding the attributes, performance, or features of our Service.

  • Service refers to the Website, including the SecureQuote & Apply system.

  • Terms and Conditions (also referred to as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

  • Third-party Social Media Service means any services or content (including data, information, products, or services) provided by a third-party that may be displayed, included, or made available by the Service.

  • Website refers to BetterLifeQuotes.com, accessible from https://www.betterlifequotes.com/.

  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

  • BetterLifeQuotes.com, "Company", "we", "us", or "our": Refers to BetterLifeQuotes.com, an independent life insurance agency duly licensed to sell insurance products in various U.S. states.

  • Site: Encompasses BetterLifeQuotes.com and any related mobile or web applications, including all content, features, and services offered therein.

  • User, "you", or "your": Denotes any individual, entity, institution, or governmental body accessing or using the Site.

  • Third-Party Insurance Providers: Refers to insurance companies that underwrite policies, make coverage determinations, and set rates.

  • Personally Identifiable Information (PII): Refers to any information that identifies, relates to, describes, or is capable of being associated with an individual, as detailed in the Privacy Policy.

3. Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service, You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions, then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use, and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service. You must re-acknowledge these Terms after material updates via a login prompt, and see Section 5 of the Privacy Policy for details on data use.

4. Limitations of Use

By using the Site, you agree to the following:

  • Eligibility: You must be at least 18 years old and legally permitted to purchase life insurance in the United States. By using the Site, you represent and warrant that you meet these eligibility requirements.

  • Lawful Use Only: You agree to use the Site only for lawful purposes and in accordance with these Terms. Prohibited uses include, but are not limited to:

    • Engaging in any conduct that restricts or inhibits any other user's use or enjoyment of the Site, or which may harm the Company or users of the Site, or expose them to liability.

    • Attempting to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.

    • Using any device, software, or routine that interferes with the proper working of the Site, or introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

    • Attempting to decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.

  • No Unauthorized Access or Scraping:

    • You may not attempt to access secured areas of the Site without proper authorization.

    • You may not use automated tools, including bots or scrapers, to collect Site data.

  • No Governmental or Regulatory Use Without Consent:

    • No government employee, regulator, or investigator may collect data or use the Site for enforcement, regulatory, or investigatory purposes without prior written consent or a legally valid subpoena.

  • Additional Restrictions: You may not use the Site to compete with BetterLifeQuotes.com or resell its services.

We reserve the right to terminate or suspend your access to all or part of the Site for any violation of these Terms, without notice, and at our sole discretion. You may contact us at contact@betterlifequotes.com within 7 days to request a review of any termination.

5. Collection and Use of Personal Information

Your use of the Site may involve the submission of personally identifiable information ("PII") for purposes such as obtaining insurance quotes and processing applications. We are committed to protecting your privacy and handling your PII in accordance with applicable laws and regulations.

Our practices regarding data collection, storage, and security are detailed in our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the collection and use of your information as outlined in the Privacy Policy. Users may exercise data rights as outlined in our Privacy Policy (Section 5). We do not sell, rent, or share your personal data with unauthorized third parties. However, we may disclose your information to trusted partners and service providers who assist us in operating the Site and delivering our services, provided that such parties agree to keep this information confidential. We will retain your data as necessary to comply with legal obligations and will notify you of breach details within 45 days per applicable law.

6. Website Security

We implement industry-standard security measures designed to protect your data from unauthorized access, alteration, disclosure, or destruction. We adhere to industry standards like ISO 27001 and conduct annual audits to enhance protection. However, no method of transmission over the internet or method of electronic storage is completely secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

In the event of a security breach that affects your personal information, we will notify you in accordance with applicable state and federal laws. We will notify affected users via email within 30 days of a breach. By using the Site, you acknowledge and accept these risks.

7. Insurance Products

The Site provides a platform for eligible users to compare and apply for life insurance products offered by various third-party insurance carriers. We act as an independent insurance agency and do not underwrite insurance policies ourselves.

All insurance products are subject to the terms, conditions, limitations, and exclusions set forth in the applicable insurance policies. The availability of these products may vary by state, and not all products are available in all jurisdictions. It is your responsibility to review the specific terms of any policy before purchasing. Quotes are based on carrier-provided data and subject to change.

8. No Guarantee of Coverage

Obtaining a quote or submitting an application through the Site does not guarantee that you will receive coverage or a specific pricing offer. All insurance applications are subject to the underwriting processes of the respective insurance carriers, who retain sole discretion to approve or deny coverage based on their internal guidelines and applicable law.

We are not responsible for any decisions made by insurance carriers regarding your application, nor do we have control over their underwriting criteria. Delays by carriers are outside our control; contact the carrier for status updates.

9. User Responsibilities

By using the Site, you agree to:

  • Provide accurate, complete, and truthful information when requesting a quote or submitting an application.

  • Refrain from using false identities or providing false information in an attempt to obtain insurance fraudulently.

  • Comply with all applicable local, state, and federal laws and regulations regarding insurance applications and the use of the Site.

  • Secure your login credentials to prevent unauthorized use.

You acknowledge that providing false or misleading information in an insurance application is a serious offense that can result in legal penalties, denial of coverage, or cancellation of your policy. Non-compliance may result in account suspension and legal action.

10. Electronic Transactions and Consent

By using the Site, you consent to conduct transactions electronically and to receive all communications, documents, and disclosures in electronic form. This includes, but is not limited to, insurance applications, policy documents, notices, and correspondence.

You agree that electronic signatures have the same legal effect as handwritten signatures. If you withdraw consent for electronic transactions, you may be unable to continue using the Site for applications or policy management. You may opt-out of electronic consent by contacting us; paper options may be available subject to fees.

11. Third-Party Links and Services

The Site may contain links to third-party websites, including insurance carriers' portals for completing applications. These links are provided for your convenience only.

We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. If you access third-party websites, you do so at your own risk. We encourage you to review the terms and conditions and privacy policies of any third-party websites before using them or providing any personal information. Beware of phishing on third-party sites; we are not liable for your actions thereon.

12. Intellectual Property Rights

Ownership of Content

All content, text, graphics, images, software, and source code on the Site is the exclusive property of BetterLifeQuotes.com or its licensors.
Trademarks, service marks, logos, and branding displayed on the Site are owned by BetterLifeQuotes.com and may not be used without prior written permission.

Restrictions on Use

You may not copy, distribute, republish, or create derivative works from any part of the Site without explicit authorization.
Unauthorized use of the Site’s intellectual property may result in legal action and claims for damages. Fair use for personal, non-commercial purposes may be allowed with permission.

Third-Party Intellectual Property

The Site may contain content licensed from third parties, and their intellectual property rights must be respected.
You agree not to claim ownership over any materials originating from a third party.

Your Feedback to Us

You assign all rights, title, and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty-free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify, and exploit such Feedback without restriction. We will notify you if your feedback is used.

13. Disclaimer of Warranties and Limitation of Liability

A. General Disclaimers

BetterLifeQuotes.com provides the Site, its content, and any services offered on an "as is" and "as available" basis.

We do not warrant:

  • Implied Warranties of Merchantability – That the Site or its services are fit for a particular commercial or personal use.

  • Fitness for a Particular Purpose – That the Site will meet your specific needs.

  • Non-Infringement – That the Site’s content does not infringe upon third-party intellectual property rights.

  • Accuracy and Reliability – That insurance quotes, rates, or policy information are 100% error-free.

  • Uninterrupted Service – That the Site will always be available, error-free, or free from cyber threats.

To the maximum extent permitted by law, BetterLifeQuotes.com disclaims any liability for losses resulting from reliance on Site content. To the extent permitted, we disclaim implied warranties under the Uniform Commercial Code.

B. "AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage, or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems, or services, operate without interruption, meet any performance or reliability standards, or be error-free, or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the Company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs, or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case, the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

C. Limitation of Liability

Under no circumstances shall BetterLifeQuotes.com, its affiliates, officers, directors, employees, contractors, agents, licensors, service providers, or any third parties associated with the operation of the Site (collectively, the "BetterLifeQuotes.com Parties") be liable for any direct, indirect, incidental, consequential, punitive, special, or exemplary damages arising from or related to:

  • Your use or inability to use the Site – This includes, but is not limited to, loss of data, business interruptions, loss of profits, reputational damage, or any other harm resulting from Site unavailability, inaccuracies, or errors.

  • Decisions made based on Site content – Any decisions regarding insurance policies, financial planning, or other matters based on the Site’s content are made at your own risk. BetterLifeQuotes.com is not responsible for underwriting decisions or coverage determinations made by third-party insurers.

  • Unauthorized access or security breaches – We are not liable for any loss or damage resulting from hacking, unauthorized access, data breaches, or other security incidents that may affect the Site or your personal data.

  • Errors or omissions in content – We are not responsible for any inaccuracies in policy quotes, descriptions, or other Site information. Insurance carriers are responsible for providing the final terms and coverage details of any policies issued.

  • Third-party content, websites, or services – Any reliance on third-party websites, links, or services, including insurance carriers, is at your sole risk. We do not control or assume responsibility for their content or business practices.

In jurisdictions where the exclusion or limitation of liability for negligence, incidental, or consequential damages is not allowed, our liability shall be limited to the greatest extent permitted by law. Liability for gross negligence or willful misconduct is limited to proven damages up to $100,000. Your sole and exclusive remedy for any dissatisfaction with the Site or its services is to discontinue using the Site. If liability limitations are not permitted in your jurisdiction, our liability shall be limited to the fullest extent allowed by law.

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

14. Indemnification

You agree to defend, indemnify, and hold harmless BetterLifeQuotes.com and all associated parties, including but not limited to its officers, directors, employees, agents, affiliates, successors, assigns, licensors, insurers, and service providers (collectively, the "Indemnified Parties"), from and against any claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys’ fees and litigation costs) arising out of or related to:

  • Your use of the Site – Any actions taken on or through the Site, including reliance on insurance quotes, application submissions, or engagement with third-party insurers.

  • Misrepresentation of Information – Any inaccurate, incomplete, fraudulent, or misleading information you provide while using the Site or applying for insurance coverage.

  • Violation of These Terms – Any breach of these Terms of Agreement, including unauthorized use, content reproduction, data scraping, or security breaches.

  • Unauthorized Account Access or Fraudulent Transactions – If your account credentials are stolen, misused, or compromised, you agree to be solely responsible for any resulting damages unless directly caused by our proven negligence.

  • Third-Party Claims – Any claims made against BetterLifeQuotes.com by a third party due to your actions, including but not limited to intellectual property violations, libel, slander, defamation, or consumer fraud.

  • Legal and Regulatory Noncompliance – If your use of the Site results in a legal or regulatory violation, you agree to cover any associated fines, penalties, or legal costs incurred by BetterLifeQuotes.com.

  • Governmental claims, penalties, or fines caused by your actions or failure to comply with legal requirements.

  • Any financial losses incurred by BetterLifeQuotes.com due to your breach of these Terms.

Defense and Settlement Rights:

  • BetterLifeQuotes.com reserves the right to assume exclusive control over the legal defense of any claim for which you are required to indemnify us.

  • You may not settle any claim or incur legal obligations on behalf of BetterLifeQuotes.com without our express written consent.
    Indemnification is limited to reasonable costs up to $250,000 per claim.

This indemnification obligation shall survive the termination of these Terms of Agreement and your use of the Site.

15. Mandatory Arbitration and Dispute Resolution

A. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to conflict-of-law principles.

B. Binding Arbitration Clause

Any dispute, claim, or controversy arising from these Terms shall be exclusively resolved through binding arbitration.

Arbitration shall be conducted in Florida, in accordance with the American Arbitration Association (AAA).

By using the Site, you waive your right to a jury trial and class-action lawsuit. Arbitration costs will be split unless you prevail; you may appeal within 10 days to AAA.

C. Regulatory Compliance Disclaimer

Nothing in these Terms shall be interpreted as an admission of regulatory jurisdiction by any government entity.

BetterLifeQuotes.com does not consent to state or federal regulatory investigations without a valid court order.

16. Termination of Access and Account Suspension

Right to Terminate

We may suspend or terminate your access at any time, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.
We reserve the right to permanently ban repeat violators. We will provide 7 days’ notice unless immediate action is required.

User-Initiated Termination

You may discontinue Site use at any time.
If you have an account, you must contact us to request permanent deletion of your information.

Effect of Termination

Upon termination, all rights granted to you under these Terms shall immediately cease.
Certain obligations (e.g., indemnification, limitation of liability) shall survive termination. Data deletion requests are processed within 30 days.

17. Additional Legal Protections and Dispute Prevention Measures

To provide BetterLifeQuotes.com with the most comprehensive legal protections possible, this section further limits liability, reinforces protections against legal claims, and shields against governmental actions. These clauses ensure no legal disputes can be pursued against BetterLifeQuotes.com without due process and within strict legal frameworks.

A. No Class Actions or Mass Arbitrations

By using the Site, you agree that:

  • You waive your right to participate in any class-action lawsuit, mass arbitration, or consolidated claim against BetterLifeQuotes.com.

  • Any disputes must be brought on an individual basis only through the arbitration process detailed in Section 15.

  • If multiple claims are filed in a manner that attempts to bypass this limitation, BetterLifeQuotes.com reserves the right to consolidate such claims and require resolution in arbitration under a single case.
    Mediation is required before arbitration if mutually agreed.

B. No Trial by Jury

You waive your right to a trial by jury for any legal claims related to your use of the Site.
Any disputes will only be resolved through individual arbitration (See Section 15).

C. No Personal Liability for Officers, Directors, or Employees

By using the Site, you agree that:

  • No officer, director, employee, or affiliate of BetterLifeQuotes.com can be held personally liable for any damages, claims, losses, or lawsuits arising from your use of the Site.

  • Any legal action must only name BetterLifeQuotes.com as a corporate entity and not any individual associated with the company.

D. Limited Statute of Limitations on Legal Claims

All claims must be filed within one (1) year from the date of the alleged incident giving rise to the claim.

If a claim is not filed within one year, it is permanently barred, regardless of the legal theory asserted.

E. No Third-Party Beneficiaries

These Terms do not confer any rights or benefits on third parties, meaning:

  • No other business, corporation, or governmental entity can claim rights or legal standing under this agreement.

  • Only you and BetterLifeQuotes.com have enforceable rights under these Terms.

F. Protection Against Government Overreach & Investigations

To prevent unjustified government investigations, regulatory actions, or excessive oversight, BetterLifeQuotes.com:

  • Does not waive its rights against government agencies seeking information or records without a legally valid subpoena or warrant.

  • Requires due process and strict legal compliance for any government request for user data.

  • Objects to any overbroad, unlawful, or excessive regulatory scrutiny that is not legally required.

  • Reserves the right to challenge, object to, or seek dismissal of regulatory claims if they lack merit or are made in bad faith.

G. Indemnification for Legal Compliance and Third-Party Disputes

You agree to indemnify and hold harmless BetterLifeQuotes.com from any claims or liabilities resulting from:

  • Your failure to comply with federal, state, or local laws while using the Site.

  • Third-party lawsuits against BetterLifeQuotes.com based on your actions or misuse of the Site.

  • Governmental claims, penalties, or fines caused by your actions or failure to comply with legal requirements.

  • Any financial losses incurred by BetterLifeQuotes.com due to your breach of these Terms.

H. Severability & Enforceability

If any part of these Terms is deemed unenforceable, the remaining provisions shall remain in full force and be interpreted as closely as possible to reflect the original intent.

If a court modifies any part of these Terms, the modified provision shall still provide maximum legal protection to BetterLifeQuotes.com. Unenforceable provisions will be replaced with the nearest legal equivalent.

I. Non-Disparagement Clause

By using the Site, you agree that:

  • You will not make false, misleading, or defamatory statements about BetterLifeQuotes.com, its services, employees, or affiliates. Avoid false statements; violations may incur damages.

  • Any complaints or disputes must be handled through proper legal channels and arbitration.

  • If you make any false claims or misrepresentations about BetterLifeQuotes.com, you may be liable for damages, including legal fees and reputational harm.

J. Prohibition on Legal Claims Outside of Designated Jurisdiction

You may only bring legal action against BetterLifeQuotes.com in the state of Florida.

Any attempt to file legal claims in another jurisdiction will be considered invalid and dismissed.

BetterLifeQuotes.com may seek legal fees for any disputes filed in an unauthorized jurisdiction.

K. No Modification by Users

These Terms cannot be modified by Users, and any attempted modifications shall be null and void.

Only BetterLifeQuotes.com has the right to update or modify these Terms.

L. Waiver of Rights in the Event of Bankruptcy or Corporate Changes

If BetterLifeQuotes.com undergoes bankruptcy, acquisition, or corporate restructuring, all user rights under these Terms shall be transferred accordingly.

Users cannot assert claims or demands against BetterLifeQuotes.com’s successors or assigns. Users will be notified via email of assignments.

M. Final Acknowledgment & Agreement

By using the Site, you:

✔ Acknowledge that you have read and understood these Terms in their entirety.

✔ Agree that these Terms constitute a legally binding agreement.

✔ Waive any claims, rights, or defenses that contradict the provisions in these Terms.

18. General Compliance

Accessibility

  • Americans with Disabilities Act (ADA) Compliance: We strive to ensure that our Site is accessible to individuals with disabilities by following the Web Content Accessibility Guidelines (WCAG) 2.1.

Data Security

  • Reasonable Security Measures: We implement reasonable security measures to protect personal information from unauthorized access, disclosure, alteration, and destruction, in compliance with applicable state laws.

Children's Online Privacy Protection Act (COPPA) Compliance

  • Age Restrictions: Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from individuals under 13.
    We comply with GLBA, HIPAA where applicable, and state laws like CCPA (see Privacy Policy Section 5).

19. Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company. You must contact us within 30 days; escalation to arbitration occurs if unresolved within 60 days.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which You are resident.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

20. Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect. Unenforceable provisions will be replaced with the nearest legal equivalent.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

21. Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute. Translations may be provided; request at contact@betterlifequotes.com.

22. Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material, We will make reasonable efforts to provide at least 30 days’ notice via email prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service. Opt-out requires discontinuation of use.

23. Entire Agreement

These Terms constitute the full agreement between you and BetterLifeQuotes.com.

No verbal agreements modify these Terms. These Terms supersede conflicting third-party terms.

24. Assignment of Rights

BetterLifeQuotes.com may assign its rights and obligations under these Terms to any successor entity without notice.

Users will be notified via email of assignments.

25. Force Majeure Clause

We are not liable for Site interruptions due to events beyond our control, including natural disasters, cyberattacks, labor strikes, or government actions. Events include natural disasters, cyberattacks; we will notify users within 48 hours.

26. Contact Information

For legal inquiries, you may contact us at:

Terms and Conditions

Last updated: March 11, 2025

Please read these terms and conditions carefully before using Our Service.