Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of this website and any related services provided by Patriot Life Solutions ("Patriot Life Solutions," "we," "us," or "our").

By accessing or using this website, submitting information through our website, or otherwise interacting with our online services, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use this website.

1. Purpose of This Website

The Patriot Life Solutions website is intended to provide general information about life insurance products and services, including final expense life insurance and other life insurance solutions. The information available on this website is provided for general informational and educational purposes only.

Nothing on this website constitutes:

- A binding insurance quote

- An offer of insurance

- An insurance contract

- A guarantee of coverage

- A guarantee of eligibility

- A guarantee of premium or pricing

- Legal, tax, financial, or investment advice

Insurance coverage is subject to the terms, conditions, exclusions, underwriting requirements, and approval of the applicable insurance carrier.

2. Eligibility to Use the Website

This website and our services are intended for individuals who are at least 18 years of age. By using this website or submitting information to Patriot Life Solutions, you represent that you are at least 18 years old and have the legal capacity to agree to these Terms.

3. Insurance Quotes and Applications

Any insurance quote, rate estimate, benefit amount, or product information provided through this website, by telephone, by email, by text message, or by a representative of Patriot Life Solutions is preliminary unless otherwise expressly stated.

Final eligibility, premiums, benefits, coverage terms, and policy issuance are determined by the applicable insurance carrier. Insurance applications may be subject to underwriting requirements, which may include questions regarding health, medical history, tobacco use, medications, lifestyle, or other factors.

Submission of an inquiry or application does not guarantee that insurance coverage will be issued.

4. Product Availability and Insurance Licensing

Patriot Life Solutions may work with one or more insurance carriers to help consumers explore available life insurance products. Product availability may vary based on factors including:

- The state in which coverage is being solicited or issued

- Age

- Health

- Tobacco use

- Coverage amount

- Underwriting guidelines

- Carrier availability

- Licensing requirements

- Other eligibility criteria

Patriot Life Solutions does not guarantee that any particular carrier, product, benefit amount, or premium will be available to you. Insurance products and services are offered only in states where Patriot Life Solutions and/or its applicable licensed insurance professionals are properly licensed and authorized to conduct insurance business. References to insurance companies, products, or services do not constitute a guarantee or endorsement beyond the scope of products we are authorized to offer.

5. Accuracy of Information You Provide

You agree to provide accurate, complete, and truthful information when using this website or communicating with Patriot Life Solutions. You are responsible for ensuring that any information you provide, including your:

- Name

- Date of birth

- Contact information

- Tobacco use status

- Health information

- Insurance history

- Other application information

is accurate and complete.

Providing false, incomplete, or misleading information may affect the accuracy of an insurance quote, eligibility determination, or insurance application and may result in denial, modification, rescission, or cancellation of coverage as permitted by law and the terms of the applicable policy.

6. Communications

If you submit your contact information through this website, Patriot Life Solutions may contact you regarding your inquiry, requested services, insurance options, appointments, applications, or other relevant matters. Telephone, text message, and email communications are subject to the consent language provided at the time your information is submitted, where applicable. You may opt out of certain marketing communications in accordance with applicable law and the instructions provided in those communications.

7. SMS Messaging Terms

By providing your mobile telephone number and consenting to receive text messages from Patriot Life Solutions, you may receive SMS or MMS messages related to your relationship with us. These messages may include:

- Insurance inquiry follow-ups

- Appointment reminders and scheduling notifications

- Application status updates

- Policy-related notifications

- Customer service communications

- Requested information about insurance products and services

- Promotional or marketing messages, where you have provided the required consent

- Other account, service, or informational alerts related to your interactions with Patriot Life Solutions

Message frequency may vary depending on your interactions with us and the services you request.

To stop receiving messages, reply STOP to any text message. After you opt out, you may receive a final confirmation message acknowledging your request. You may also reply HELP for assistance or contact Patriot Life Solutions using the contact information provided on this website.

Message and data rates may apply. Check with your carrier for details. Wireless carriers are not responsible or liable for delayed or undelivered messages. Consent to receive SMS or MMS marketing messages is not a condition of purchasing any product or service from Patriot Life Solutions. Delivery of text messages is subject to effective transmission by your wireless carrier and network provider. Message availability and delivery may vary based on your carrier, device, network availability, and other factors outside the control of Patriot Life Solutions.

8. No Professional Advice

Information provided on this website is not intended to serve as legal, tax, accounting, investment, or financial planning advice. You should consult an appropriately qualified professional regarding legal, tax, financial, or other matters that may affect your individual situation. Insurance decisions should be based on your individual needs, financial circumstances, policy terms, and other relevant factors.

9. Website Content

All text, graphics, logos, designs, images, software, layouts, and other content on this website are owned by or licensed to Patriot Life Solutions unless otherwise stated. You may view and use website content for your personal, non-commercial use. You may not, without prior written permission:

- Copy or reproduce substantial portions of the website

- Modify or create derivative works from website content

- Use website content for commercial purposes

- Remove copyright, trademark, or proprietary notices

- Scrape, harvest, or systematically collect website content

- Use automated systems to access the website in a manner that disrupts or burdens our systems

10. Acceptable Use

You agree not to use this website to:

- Violate any applicable law or regulation

- Submit false, fraudulent, or misleading information

- Attempt to gain unauthorized access to our systems

- Interfere with the operation or security of the website

- Introduce viruses, malware, or harmful code

- Impersonate another person or organization

- Collect information about other users without authorization

- Use the website for unlawful, abusive, fraudulent, or malicious purposes

We reserve the right to restrict or terminate access to the website for conduct that violates these Terms.

11. Third-Party Websites and Services

This website may contain links to third-party websites, including insurance carriers, service providers, or other external resources. These links are provided for convenience only. Patriot Life Solutions does not control and is not responsible for the content, security, privacy practices, availability, or accuracy of third-party websites. Your use of third-party websites is subject to the terms and policies of those third parties.

12. Website Availability

We make reasonable efforts to maintain the availability and functionality of our website. However, we do not guarantee that the website will always be:

- Available

- Uninterrupted

- Error-free

- Secure

- Free from viruses or harmful components

We may modify, suspend, restrict, or discontinue any portion of the website at any time without notice.

13. Disclaimer of Warranties

To the fullest extent permitted by law, this website and its content are provided on an "as is" and "as available" basis. Patriot Life Solutions makes no warranties, express or implied, regarding the website or its content, including warranties of:

- Accuracy

- Completeness

- Reliability

- Availability

- Merchantability

- Fitness for a particular purpose

- Non-infringement

We do not guarantee that information displayed on the website will always be current, complete, or error-free.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Patriot Life Solutions and its owners, employees, agents, representatives, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of, or inability to use, this website. This includes damages arising from:

- Reliance on website information

- Website interruptions or errors

- Third-party websites or services

- Unauthorized access to or use of website systems

- Loss of data

- Loss of profits or business opportunities

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Patriot Life Solutions and its owners, employees, agents, representatives, affiliates, and service providers from claims, damages, liabilities, losses, costs, and expenses arising from:

- Your misuse of the website

- Your violation of these Terms

- Your violation of applicable law

- False or misleading information you provide

- Your infringement of the rights of another person or organization

16. Privacy

Your use of this website is also subject to our Privacy Policy. The Privacy Policy explains how we collect, use, disclose, and protect personal information. By using the website, you acknowledge that you have had an opportunity to review our Privacy Policy.

17. Electronic Communications

By communicating with Patriot Life Solutions electronically, including by website form, email, or text message, you consent to receive communications electronically where permitted by law. Electronic communications may satisfy legal requirements that communications be provided in writing where applicable.

18. Intellectual Property

The Patriot Life Solutions name, logo, branding, website design, and other proprietary materials may be protected by trademark, copyright, or other intellectual property laws. Nothing in these Terms grants you ownership of or a license to use Patriot Life Solutions intellectual property except as expressly permitted in writing.

19. Changes to These Terms

We may update or modify these Terms periodically. When changes are made, we will update the effective date at the top of this page. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

20. Governing Law and Jurisdiction

These Terms and your use of this website are governed by the laws of the State of Nevada, without regard to its conflict-of-law principles, except where applicable federal law or the laws of another jurisdiction provide rights or protections that cannot legally be waived or limited by agreement. Because Patriot Life Solutions provides insurance-related services to consumers in multiple states, certain insurance, consumer protection, privacy, licensing, and other laws of the state associated with your insurance transaction may also apply. To the extent permitted by applicable law, any legal action or proceeding arising out of or relating to these Terms or your use of this website shall be brought in a court of competent jurisdiction located in Clark County, Nevada. Nothing in these Terms is intended to waive, restrict, or eliminate any rights or protections that cannot legally be waived under applicable state or federal law.

21. United States Only

This website and the insurance services offered by Patriot Life Solutions are intended solely for individuals located within the United States. Patriot Life Solutions does not offer or solicit insurance products outside the United States. Insurance products and services are available only in states where Patriot Life Solutions and/or its applicable licensed insurance professionals are properly licensed and authorized to conduct insurance business. Product availability, eligibility, coverage options, premiums, and insurance carriers may vary by state. Accessing this website from a particular state does not guarantee that Patriot Life Solutions offers insurance products or services in that state.

22. Severability

If any provision of these Terms is found to be unlawful, invalid, or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be interpreted or modified to the minimum extent necessary to make it enforceable where permitted by law.

23. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or consent disclosures provided on the website, constitute the agreement governing your use of the website.

24. Contact Us

If you have questions about these Terms and Conditions, please contact:

Patriot Life Solutions

Email: [email protected]

Phone: (725) 433-4851

Mailing Address: 4894 West Lone Mountain Rd, Unit 252, Las Vegas, NV 89130