Welcome to Unconfined Family Asset Protection. These Terms and Conditions ("Terms") govern your access to and use of our website, services, and products. By using our website or engaging our services, you agree to these Terms. If you do not agree, do not use the site or request our services.

About Us Unconfined Family Asset Protection (“we,” “us,” or “Company”) provides life insurance products, related advisory services, and online information to help individuals and families protect assets and plan for the future.

Acceptance and Eligibility

Use of our website and services is available only to individuals who can form legally binding contracts. By using the site or requesting services you represent you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms.

We reserve the right to refuse service, terminate accounts, or deny access to the site in our sole discretion.

Services, Quotes and Illustrations

Any insurance quotes, illustrations, estimates, or product descriptions provided on the site or by our staff are for informational purposes only and are not binding offers. Final terms, pricing, and eligibility are subject to underwriting, insurer approval, and agreement of all required parties.

Products described on the site may be offered by one or more insurance carriers. We are not the insurer; we act as an agent, broker, or licensed representative as specified in communications.

Coverage, benefits, exclusions, limitations, and costs vary by product and insurer. You must review policy contracts and disclosures provided by the insurer for complete details. In case of conflict, the insurer’s policy terms govern.

Application Process and Underwriting

Submission of an application does not guarantee coverage. Acceptance is subject to the insurer’s underwriting, medical exams (if required), background checks, and other insurer requirements.

You must provide complete, accurate, and truthful information. Failure to disclose material facts or providing false information may result in rescission, denial of claims, or cancellation of coverage.

Privacy and Data Use

Our Privacy Policy explains how we collect, use, store, and disclose personal information. By using the site or requesting services you consent to the collection and use of information as described in the Privacy Policy.

We may share information with insurers, reinsurers, third-party service providers, regulatory authorities, and others as necessary to provide services, process applications, and comply with legal obligations.

Fees, Compensation, and Payments

Some services may be provided for a fee. Any fees, billing terms, and payment methods will be disclosed prior to purchase or engagement.

We may receive commissions, compensation, or other remuneration from insurers or service providers for placing business. You may request information about compensation relating to your transaction.

Claims Assistance

If you need to file a claim, we can assist with claims submission and communication with the insurer, but final claims determinations and payments are made by the insurer under the applicable policy.

Promptly report claims according to the insurer’s procedures and provide required documentation.

Intellectual Property

All content on the site (text, graphics, logos, images, software) is the property of Unconfined Family Asset Protection or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and download content for personal, non-commercial use only. Any other use (reproduction, distribution, modification, public display) without our prior written consent is prohibited.

Links to Third-Party Sites

Our site may contain links to third-party websites and resources. We do not endorse and are not responsible for the content, privacy practices, or accuracy of third-party sites. Accessing third-party sites is at your own risk.

Disclaimers and No Guarantees

THE SITE, INFORMATION, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, EXCEPT AS REQUIRED BY LAW.

We do not guarantee product availability, pricing, or future performance of any insurance product. Historical or illustrative examples are not guarantees of future results.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNCONFINED FAMILY ASSET PROTECTION, ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY ARISING OUT OF OR IN CONNECTION WITH THE SITE OR SERVICES.

OUR TOTAL AGGREGATE LIABILITY FOR DIRECT DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE OR SERVICES WILL NOT EXCEED THE AMOUNT OF FEES YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100 IF NO FEES WERE PAID, EXCEPT WHERE PROHIBITED BY LAW.

Indemnification

You agree to indemnify, defend, and hold harmless Unconfined Family Asset Protection and its affiliates, officers, employees, and agents from any claims, liabilities, losses, damages, costs, or expenses (including reasonable attorneys’ fees) arising from your breach of these Terms, your negligence, or your violation of law.

Electronic Communications and Notices

By using the site, you consent to receive electronic communications from us (email, SMS, or in-app). Electronic notices satisfy legal requirements for written notice.

We may send notices regarding changes to services, policy updates, or other matters. It is your responsibility to keep contact information current.

Changes to Terms and Services

We may modify these Terms, our products, or site features at any time. Material changes will be posted on the site with an updated “Effective Date.” Continued use after changes constitutes acceptance.

We may suspend or discontinue the site or any services, in whole or in part, at any time without notice.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the state in which Unconfined Family Asset Protection is incorporated (or as otherwise specified in your client documentation), without regard to conflict-of-law rules.

Except where prohibited by applicable law, any dispute arising out of or relating to these Terms or the services will be resolved through binding arbitration in the designated jurisdiction, and you and we each waive the right to a jury trial. Small claims may proceed in small claims court as allowed by law.

Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations without restriction.

Contact Information For questions, requests for disclosures, complaints, or to obtain policy documents, contact: Unconfined Family Asset Protection [Insert mailing address] Email: [Insert business email] Phone: [Insert business phone number]

Effective Date: [Insert effective date]

By using our website or engaging our services you acknowledge that you have read and agree to these Terms and Conditions.

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