Terms of Use for Life Insurance Helper (A Subsidiary of Blue Bench Media LLC)

Effective Date: September 20, 2024

Welcome to Life Insurance Helper, a subsidiary of Blue Bench Media LLC ("we," "us," "our"). By accessing or using our website and services, you agree to the following Terms of Use ("Terms"). Please read these Terms carefully, as they constitute a binding legal agreement between you and Life Insurance Helper. If you do not agree to these Terms, you should not use our services.

1. Acceptance of Terms

By accessing or using our services, you confirm that you are at least 18 years of age or the legal age of majority in your jurisdiction and agree to be bound by these Terms, including any future modifications. We reserve the right to modify these Terms at any time, and such changes will be effective immediately upon posting. Your continued use of the services after such modifications constitutes your acceptance of the updated Terms.

2. Services Provided

Life Insurance Helper provides informational resources and lead generation services related to life insurance. We do not offer insurance policies ourselves but connect users with insurance agents, providers, and related services. Our services are intended for personal, non-commercial use unless expressly authorized by us.

3. User Responsibilities

When using our services, you agree to:

Provide accurate, truthful, and complete information when prompted.Use the services in a lawful manner and for their intended purposes.Not engage in any activity that disrupts or interferes with the services or networks connected to them.Not use our services for any fraudulent or illegal activity, including unauthorized insurance solicitation.Respect the intellectual property rights of Life Insurance Helper and third parties.

4. Privacy and Data Collection

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the services, you agree to the terms of our Privacy Policy, which is incorporated into these Terms.

5. Communications and Opt-In

By using our services and opting in to receive communications, you consent to receive emails, SMS, and other forms of marketing communications from us. You may opt out at any time by following the instructions provided in the communication or contacting us directly. Please note that opting out of communications may affect your ability to use certain aspects of our services.

6. Intellectual Property

All content, materials, and services provided by Life Insurance Helper, including but not limited to text, graphics, logos, and software, are the intellectual property of Life Insurance Helper or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the services for personal purposes only. You may not modify, reproduce, distribute, or create derivative works from any content provided by us without our prior written permission.

7. Third-Party Links and Services

Our services may contain links to third-party websites, products, or services that are not owned or controlled by Life Insurance Helper. We do not endorse or assume responsibility for any third-party content, products, or services. Your use of any third-party websites or services is at your own risk and subject to the terms and conditions of those third parties.

8. Disclaimer of Warranties

Our services are provided on an "as-is" and "as-available" basis without any warranties, either express or implied. We do not warrant that the services will be uninterrupted, error-free, or secure. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

In no event shall Life Insurance Helper or Blue Bench Media LLC be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses arising out of your use or inability to use the services. Our total liability for any claims related to the services shall not exceed the amount paid by you (if any) for using the services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Life Insurance Helper, Blue Bench Media LLC, its affiliates, and their respective officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising out of or related to your use of the services, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We reserve the right to terminate or suspend your access to the services at our discretion, without prior notice or liability, for any reason, including violation of these Terms. Upon termination, your right to use the services will immediately cease. All provisions of these Terms that should survive termination, including ownership provisions, warranty disclaimers, and limitations of liability, shall survive.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms or the services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will take place in Cheyenne, Wyoming.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court or arbitrator, the remaining provisions shall continue in full force and effect.

14. Contact Information

If you have any questions or concerns regarding these Terms or our services, please contact us at:

Life Insurance Helper

1902 Thomes Ave Unit 202A

Cheyenne, WY 82001, USA

Phone: +1 352-352-9600

Email:

[email protected]

By using our services, you acknowledge that you have read and agreed to these Terms of Use.