Terms & Conditions
1. User Consent
This terms and conditions agreement forms a binding agreement between you and Free Quoting Systems, Inc. doing business as www. Cashbacklifeinsurance.com (“site”) and governs your use of www.cashbacklifeinsurance.com. Please be aware that any information submitted to the site becomes property of Free Quoting systems, Inc. If you do not understand and consent to all of the terms and conditions, please discontinue the use of our site. By using this site you consent to these terms and conditions and all applicable laws. We reserve the right to change and update the terms and conditions of this site without notice to you. The latest version of the terms and conditions will always be posted on this site. Please read and review each section of the terms and conditions carefully before proceeding.
2. About our Service
www.cashbacklifeinsurance.com provides a free service designed to connect consumers in the Chicago land area with local life insurance agents who will put together a personalized life insurance plan that will fit their need. The majority of products presented on this site are designed to help people cover their life insurance need and accumulate wealth simultaneously. Please review each product thoroughly with the local agent presenting it.
When you submit your information to our site we securely transmit it to a highly rated local insurance agent near your home who specializes in the product that has been requested. The insurance agent will then contact you at the time that you specified on the life insurance quote questionnaire. In some cases, we may not have an insurance agent in the immediate vicinity of your home; if this happens we will connect you to an insurance agent who is licensed in your area. These terms and conditions do not apply to any communications between you and the participating agent you are working with.
3. Privacy Notice
This site uses secure internet connections to transmit your information to the local insurance agent who will provide you with your life insurance quote. Although we use secure internet connections it is possible for a third party to illegally intercept data. For this reason we will never ask for highly sensitive information such as driver’s license numbers, social security numbers, or detailed medical information. However, the individual insurance agent may require this information to complete the sale and underwriting of some policies. Please ask the agent for his/her company’s privacy policy before conducting business.
Please know that we respect your privacy to the highest degree and we will never distribute your information to any person or company except for the agent who will work on your life insurance quote.
4. User Conduct
By using this site you agree that the sole purpose of use is obtaining a life insurance quote. You agree that you will not transmit any virus or other harmful component that will disrupt or impair the normal operating procedure of a computer and this site. You agree and acknowledge that all unauthorized changes, modifications, or altering of this site is strictly prohibited. You agree that you will not use any type of device or program to obtain consumer information or information stored on this site.
By using this site, you agree to indemnify, release and hold Free Quoting Systems, Inc, its employees, and participating agents harmless from any expenses, liabilities, claims, costs, or demands, including attorney’s fees relating to your misuse of the site .
5. Propriety Rights
All content, including but not limited to text, photographs, icons, graphics, logos, trademarks, computer code, material, and design (collectively “content”) is owned and controlled by Free Quoting Systems, Inc. Unless written consent is provided by Free Quoting Systems, Inc no content from this site may be published, printed, used, distributed, copied, downloaded, exploited, modified, or reproduced under any circumstance.
6. Third Party Links
www.cashbacklifeinsurance.com does have links to third party sites, however we do not endorse these sites and we are not responsible for their privacy practices. We encourage you to read each sites privacy practices very carefully.
7. Disclaimers
We reserve the right to change/update/modify the content of our site at any time, without notice to you. We are not responsible for the quotes and policies generated by participating agents. We make no representations or warranties for the site including but not limited to the content and services obtained on this site. Although precautions are taken, it is possible that the site, emails, third party links, and electronic communications with our participating agents could contain damaging components.
8. Limitation of Liability
In no event shall Free Quoting Systems, Inc, our site, and our participating agents be held liable for any losses and expenses of any nature arising from the use of this site. These losses include, but are not limited to: punitive, special, incidental, exemplary, or consequential damages, loss of data, direct or indirect loss, loss of use, loss caused from a virus, trojan, horse, or worm, loss of earnings, loss of profit, loss of income, loss of revenues, third party claims, property damage, or any other loss of any kind, even if we have been notified of the possibility of such losses. We exclude and disclaim liability resulting from any and all causes to the highest degree as allowed by jurisdiction.
9. Miscellaneous
This agreement and any dispute arising from it will be governed exclusively by the appropriate state and federal courts of the city and state of Chicago, Illinois. You agree to waive any objection to personal jurisdiction and consent to have all disputes heard solely in the appropriate courts located in Chicago, Illinois.
