Terms of Service

1. Use of This Website

This website is intended for individuals who are at least 18 years old and reside in the United States.

You agree to use this website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the website.

2. Services Provided

Hamilton Life Agency provides:

• Life insurance information and education
• Quote requests and consultations
• Assistance connecting with insurance providers

We do not guarantee approval, pricing, or coverage from any insurance carrier.

All information provided is for general informational purposes only and should not be considered financial, legal, or tax advice.

3. No Professional Advice

Any content on this website is for educational purposes only and does not constitute financial, legal, or tax advice.

You should consult with a licensed professional before making any financial decisions.

4. Information You Provide

When submitting a form or contacting us, you agree that all information you provide is accurate, complete, and that you are authorized to provide that information.

You consent to being contacted by phone, email, and SMS/text message regarding your inquiry, quotes, or services.

5. Communications Consent

By submitting your information, you expressly consent to receive calls, including automated or prerecorded calls, text messages, and emails from Hamilton Life Agency regarding your inquiry.

Message and data rates may apply.

You can opt out at any time by replying STOP to text messages or by contacting us directly.

Consent is not a condition of purchase.

6. Intellectual Property

All content on this website, including text, design, logos, graphics, and other materials, is the property of Hamilton Life Agency and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or modify any content without written permission.

7. Prohibited Uses

You agree not to:

• Use the website for illegal purposes
• Attempt to gain unauthorized access to systems
• Interfere with website functionality
• Submit false or misleading information
• Send spam or unsolicited messages

8. Third-Party Services

We may connect you with insurance carriers, licensed agents, or third-party service providers.

We are not responsible for their actions, policies, availability, or decisions.

9. Disclaimer of Warranties

This website is provided “as is” without warranties of any kind.

We do not guarantee the accuracy of information, availability of the website, or specific insurance outcomes.

Your use of the website is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Hamilton Life Agency shall not be liable for any direct, indirect, incidental, consequential, or special damages, including loss of data, loss of profits, or business interruption, arising from your use of the website or services.

11. Indemnification

You agree to defend, indemnify, and hold harmless Hamilton Life Agency from any claims, damages, liabilities, costs, or expenses arising from your use of the website or your violation of these Terms.

12. Changes to These Terms

We may update these Terms at any time.

Changes take effect immediately upon posting. Your continued use of the website means you accept the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles.

14. Dispute Resolution

Any disputes arising from these Terms shall first be addressed through good-faith negotiation.

If a dispute cannot be resolved informally, it shall be resolved through binding arbitration to the fullest extent permitted by law.

You agree to waive participation in class action lawsuits.

15. Contact Information

If you have any questions about these Terms, contact: