Please read these Terms of Service carefully before using this website or submitting any information. By accessing this website or submitting a quote request, you agree to be bound by these terms.
1. Acceptance of Terms
By accessing, browsing, or using this website (the "Site") operated by Nar Tree Life ("Company," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, please do not use the Site.
2. Description of Services
This Site provides an online platform for individuals to submit insurance quote requests. The Company is a licensed insurance agency that connects consumers with licensed insurance carriers and agents for the purpose of obtaining quotes and purchasing insurance products, which may include:
- ACA / Marketplace Health Insurance Plans
- Ancillary Plans (Dental, Vision, Hospital Indemnity, Critical Illness, Accident)
- Life Insurance (Term, Whole Life, Universal Life)
- Final Expense Insurance
- Medicare Advantage, Medicare Supplement (Medigap), and Part D Plans
- Fixed, Indexed, and Variable Annuities
We do not guarantee enrollment, coverage approval, or the availability of specific plans in all geographic areas. Insurance products and their terms are governed solely by the contracts between you and the issuing insurance carrier.
3. Eligibility
You must be at least 18 years of age and a legal resident of the United States to use this Site. By submitting a quote request, you represent and warrant that you meet these eligibility requirements. We reserve the right to refuse service to anyone for any reason at any time.
4. Accuracy of Information
You agree to provide accurate, current, and complete information when submitting a quote request. Providing false or misleading information may result in incorrect quotes, denial of coverage, policy cancellation, or potential legal liability. The Company is not responsible for errors in quotes or coverage that result from inaccurate information submitted by you.
5. No Insurance Advice or Guarantee
The information provided on this Site is for general informational purposes only and does not constitute professional insurance, legal, financial, or tax advice. Quote estimates displayed or communicated are not binding offers of coverage. Final rates, benefits, and terms are determined by the issuing insurance carrier and are subject to underwriting approval. Always review your policy documents carefully before purchasing any insurance product.
6. Communications & TCPA Consent
By submitting a quote request, you expressly consent to be contacted by the Company and its agents as described in our TCPA Consent Policy. This includes contact via live telephone calls, automated dialing systems, pre-recorded messages, SMS/text messages, and email. You may opt out of communications at any time as outlined in the TCPA Policy. Consent is not required as a condition of purchasing any product or service.
7. Privacy & Data Collection
Your use of the Site is also governed by our Privacy Policy. We collect personal information including your name, contact details, date of birth, household information, and financial data solely to facilitate insurance quotes and related services. We implement industry-standard security measures to protect your data. We do not sell your personal information to unaffiliated third-party data brokers. Please review our full Privacy Policy for details on data retention, sharing, and your rights under applicable law (including CCPA and HIPAA where applicable).
8. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of the Company or its content suppliers and is protected by applicable United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
9. Third-Party Links & Services
This Site may contain links to third-party websites or integrate with third-party services (including insurance carriers and CRM platforms). These links are provided for your convenience only. We have no control over the content or practices of third-party sites and accept no responsibility for them. Accessing any third-party site is at your own risk.
10. Disclaimer of Warranties
THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL — ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
12. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, agents, and employees from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Site.
13. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of the Site shall first be submitted to non-binding mediation. If mediation is unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), and judgment on the award may be entered in any court of competent jurisdiction. You waive any right to a jury trial and agree not to participate in class action litigation.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
15. Severability & Entire Agreement
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. These Terms, together with our Privacy Policy and TCPA Consent Policy, constitute the entire agreement between you and the Company regarding your use of the Site and supersede all prior agreements.
16. Contact Information
For questions about these Terms of Service, please contact us:
Nar Tree Life
Email:
[email protected]
Phone:
(800) 000-0000
License:
License #00000000
✓ Your Agreement: By using this Site or submitting a quote request, you confirm that you have read, understood, and agree to these Terms of Service, our Privacy Policy, and our TCPA Consent Policy.
