Terms of Use
Effective Date: June 1, 2025
These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Policy Hero Financial Group ("Company," "we," "us," or "our"), governing your access to and use of our websites, platforms, and services.
IMPORTANT: BY ACCESSING OR USING OUR SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SITES OR SERVICES.
Table of Contents
1. Definitions
"Sites" means policyherogroup.com and any other websites operated by the Company.
"Services" means collectively all platforms, applications, tools, educational resources, and services provided by the Company, including but not limited to life insurance education, policy comparison tools, needs calculators, consultation scheduling, and insurance planning assistance.
"Content" means all text, data, information, software, graphics, photographs, videos, audio, and other materials available through the Sites or Services.
"User Content" means any data, information, or materials you submit, upload, or transmit through the Services.
2. Eligibility & Account Requirements
2.1 Age and Capacity
You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our Services. By using the Sites or Services, you represent and warrant that you meet these requirements.
2.2 Business Use
If you are using the Services on behalf of a business, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" and "your" will refer to both you individually and the entity.
2.3 Account Security
If you create an account to access the Services, you are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized access or security breach
- Ensuring that account access is limited to authorized personnel
We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised.
3. Geographic Scope
The Sites and Services are primarily intended for use within the United States. While access from other jurisdictions may be permitted, you are responsible for compliance with all applicable local laws. We make no representation that the Sites or Services are appropriate or available for use in any particular jurisdiction.
4. Acceptable Use Policy
4.1 Permitted Use
You may use the Sites and Services only for lawful purposes and in accordance with these Terms and all applicable laws and regulations.
4.2 Prohibited Conduct
You agree that you will not:
- Violate any applicable federal, state, local, or international law or regulation
- Use the Services for any fraudulent, abusive, harassing, or unlawful purpose
- Transmit any malware, viruses, or other malicious code
- Attempt to access, interfere with, or disrupt any part of the Sites or Services
- Reverse engineer, decompile, disassemble, or attempt to derive the source code of any software
- Circumvent, disable, or interfere with any security features
- Impersonate any person or entity or misrepresent your affiliation
- Use automated systems (bots, scrapers, crawlers) without express written permission
- Resell, sublicense, or provide access to the Services to third parties without authorization
- Use the Services in a manner that could damage, disable, or impair the Services
- Collect or harvest any information from the Services without authorization
5. User Content
5.1 Ownership
You retain ownership of any User Content you submit to the Services. By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, process, store, and transmit such content solely to provide the Services to you.
5.2 Representations
You represent and warrant that:
- You own or have the necessary rights to submit User Content
- User Content does not infringe any third-party intellectual property or privacy rights
- User Content complies with all applicable laws and regulations
- You have obtained all necessary consents for personal data included in User Content
5.3 Prohibited Content
You may not submit User Content that:
- Is unlawful, defamatory, obscene, or otherwise objectionable
- Infringes any patent, trademark, copyright, or other intellectual property right
- Contains viruses, malware, or other harmful code
- Violates the privacy or publicity rights of any third party
- Contains sensitive personal data without proper authorization and safeguards
6. Privacy & Data Collection
Your use of the Sites and Services is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the collection, use, and disclosure of your information as described in the Privacy Policy.
By using our Services, you specifically consent to:
- The use of cookies, tracking pixels, and similar technologies for analytics and personalized marketing
- Processing of information you provide for insurance needs assessment and consultation purposes
- Outreach via voice, text, email, or digital communication when you submit information or request contact
7. Intellectual Property Rights
7.1 Company Ownership
All Content, trademarks, service marks, trade names, logos, and intellectual property on the Sites and within the Services (excluding User Content) are the exclusive property of Policy Hero Financial Group and its licensors. This includes all software, algorithms, user interfaces, designs, documentation, and proprietary methodologies.
7.2 Limited License
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Sites and Services for your personal, non-commercial purposes. This license does not include the right to: (a) modify, copy, or create derivative works; (b) reverse engineer or attempt to extract source code; (c) sublicense, sell, or transfer access; or (d) use the Services to develop competing products.
7.3 Feedback
If you provide us with any feedback, suggestions, or ideas regarding the Services ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use such Feedback for any purpose without obligation to you.
7.4 Enforcement
Violations of our intellectual property rights may result in legal action, including injunctive relief, monetary damages, and criminal prosecution where applicable. We actively monitor for unauthorized use of our intellectual property.
8. Confidentiality
You agree to maintain the confidentiality of any non-public information disclosed to you in connection with the Services, including pricing, technical specifications, security documentation, and business information. This obligation does not apply to information that: (a) is or becomes publicly available through no fault of yours; (b) was known to you prior to disclosure; (c) is independently developed by you; or (d) is required to be disclosed by law.
9. Third-Party Services & Links
The Sites and Services may contain links to third-party websites, services, or integrations that are not owned or controlled by us. We are not responsible for the content, privacy practices, terms of use, or availability of any third-party services. Your use of third-party services is at your own risk and subject to the terms and policies of those third parties.
10. Service Availability
10.1 No Guaranteed Availability
The Services are provided on an "as available" basis. We do not guarantee any specific level of availability, uptime, or performance. We may modify, suspend, or discontinue any aspect of the Services at any time without notice.
10.2 Scheduled Maintenance
We may perform scheduled maintenance that temporarily affects Service availability. Where practicable, we will provide advance notice of scheduled maintenance through the Services or via email.
10.3 Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, labor disputes, government actions, power failures, internet disruptions, or failures of third-party service providers.
11. Disclaimers
11.1 No Warranties
THE SITES AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
11.2 Specific Disclaimers
Without limiting the foregoing, we do not warrant that:
- The Services will meet your specific requirements or expectations
- The Services will be uninterrupted, timely, secure, or error-free
- Results obtained from the Services will be accurate, reliable, or complete
- Any errors or defects will be corrected
- The Services are free of viruses or other harmful components
11.3 Professional Advice Disclaimer
The Services, including educational content and calculators, do not constitute professional advice (legal, medical, financial, tax, or otherwise). The information provided is for general educational purposes only. You should consult with qualified professionals, including licensed insurance agents, before making decisions based on information obtained through the Services.
12. Limitation of Liability
12.1 Exclusion of Damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL POLICY HERO FINANCIAL GROUP OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12.2 Liability Cap
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).
12.3 Basis of the Bargain
You acknowledge that the limitations of liability in this Section reflect a reasonable allocation of risk and are a fundamental basis of the bargain between you and us. The Services would not be provided without such limitations.
13. Indemnification
You agree to defend, indemnify, and hold harmless Policy Hero Financial Group and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
- Your use of the Sites or Services
- Your User Content
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Your infringement of any third-party rights
14. Term & Termination
14.1 Term
These Terms are effective as of your first access to the Sites or Services and continue until terminated.
14.2 Termination by You
You may terminate your use of the Sites and Services at any time by discontinuing access.
14.3 Termination by Us
We reserve the right to suspend or terminate your access to the Sites and Services at any time, with or without cause, with or without notice. Reasons for termination may include violation of these Terms, fraudulent or illegal activity, or discontinuation of the Services.
14.4 Effect of Termination
Upon termination, your right to use the Services immediately ceases. Sections that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, limitation of liability, indemnification, and dispute resolution provisions.
15. Governing Law & Dispute Resolution
15.1 Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
15.2 Binding Arbitration
Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Miami-Dade County, Florida. The arbitrator's decision shall be final and binding.
15.3 Class Action Waiver
YOU AGREE TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS AND WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS-WIDE ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING.
15.4 Exceptions
Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights or confidential information.
16. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the revised Terms on the Sites. We will indicate the date of the most recent update. For material changes, we may provide additional notice via email or through the Services. Your continued use of the Sites or Services after any changes constitutes acceptance of the modified Terms.
17. General Provisions
17.1 Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the subject matter hereof and supersede all prior agreements and understandings.
17.2 Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.
17.3 Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.
17.4 Assignment
You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction.
17.5 Notices
Notices to you may be provided via email to the address associated with your account or by posting on the Sites. Notices to us must be sent to legal@policyherogroup.com.
17.6 Export Compliance
You agree to comply with all applicable export control laws and regulations. You may not access or use the Services if you are located in, or are a national or resident of, any country subject to U.S. trade sanctions.
18. Contact Information
For questions regarding these Terms, please contact us:
Legal Inquiries: legal@policyherogroup.com
General Inquiries: info@policyherogroup.com
Website: www.policyherogroup.com