Effective Date: 25-07-2024

Thank you for choosing Protecting Families LLC. By accessing or using our website and services, you agree to the following Terms of Service. Please read them carefully as they govern your use of our services, including the advice, products, and website provided by Protecting Families LLC. If you do not agree to these terms, please refrain from using our services.

1. Scope of Services

Protecting Families LLC provides Medicare and life insurance consulting, guidance, and other related services to individuals and families. The information and recommendations we provide are for general informational and educational purposes only and are not intended to constitute legal, financial, or medical advice.

2. Eligibility and User Responsibility

By using our services, you confirm that:

You are at least 18 years of age.
The information you provide during the registration, consultation, or service process is accurate and up-to-date.
You will not use our services for illegal purposes or in violation of any local, state, national, or international laws.

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or use of your account.

3. Appointment and Consultation Terms

Clients may schedule appointments and consultations through our website or by phone. By scheduling a consultation, you agree to:

Arrive on time for the appointment, whether in person or virtual.
Provide all necessary documentation and information relevant to your inquiry.
Notify Protecting Families LLC at least 24 hours in advance if you need to reschedule or cancel an appointment.

Failure to comply with these terms may result in the cancellation of future appointments or services.

4. Fees and Payment Terms

Protecting Families LLC may charge fees for certain services. Payment terms are as follows:

Consultation Fees: Some consultations may require payment, which will be specified before the appointment.
Service Fees: Fees associated with insurance consulting, application assistance, or other related services will be disclosed to you in advance.
Payment Methods: We accept payments through authorized methods as specified on our website or by our representatives.
Refunds: Refunds, if applicable, are issued at the discretion of Protecting Families LLC and must comply with our Refund Policy.

5. Intellectual Property

All content, materials, and resources on our website, including but not limited to text, images, logos, and designs, are the intellectual property of Protecting Families LLC unless otherwise stated. Unauthorized use, copying, modification, or distribution of our intellectual property without written permission is strictly prohibited.

You are granted a limited, non-exclusive, non-transferable license to use and access our website and services for personal, non-commercial purposes. Any other use is expressly prohibited.

6. Privacy and Data Security

Your privacy is important to us. By using our services, you agree to our Privacy Policy, which outlines how we collect, store, and protect your personal information. Please review our Privacy Policy for more details.

While we strive to protect your data, no method of transmission or electronic storage is 100% secure. By using our website and services, you acknowledge and accept the inherent risks involved in transmitting personal data over the internet.

7. Disclaimer of Warranties

Protecting Families LLC provides services on an “as-is” and “as-available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of the information provided through our services.

To the fullest extent permitted by law, Protecting Families LLC disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

In no event shall Protecting Families LLC or its affiliates, officers, employees, or agents be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of, or inability to use, our services. This includes, without limitation, damages for loss of data, loss of profits, or other losses resulting from unauthorized access to or use of our servers.

The total liability of Protecting Families LLC for any claim arising out of or relating to these terms or our services is limited to the amount you paid, if any, for using our services.

9. Third-Party Websites and Services

Our website may contain links to third-party websites or services not owned or controlled by Protecting Families LLC. We do not endorse, recommend, or assume responsibility for any third-party content, products, or services. Accessing or using third-party websites is at your own risk and subject to the terms and conditions of those sites.

10. Termination

Protecting Families LLC reserves the right to suspend or terminate your access to our services at our sole discretion, without notice, if you violate these Terms of Service or engage in conduct that we determine is harmful to our business interests or other users.

Upon termination, your right to access or use our services will cease immediately, and any outstanding fees owed to us will become due.

11. Modifications to the Terms

We reserve the right to modify, update, or change these Terms of Service at any time without prior notice. Changes will be posted on this page with an updated “Effective Date.” By continuing to use our services after any changes, you agree to the modified Terms of Service.

12. Governing Law

These Terms of Service and any disputes arising from them are governed by and construed in accordance with the laws of [Your Province/State, Canada/United States], without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in [Your Province/State] for any legal action or proceeding.

13. Dispute Resolution

In the event of a dispute arising out of or relating to these Terms or our services, you agree to first attempt to resolve the dispute informally by contacting us. If a resolution cannot be reached informally, disputes will be resolved through binding arbitration, except for matters that may be resolved in small claims court.

14. Indemnification

You agree to indemnify, defend, and hold harmless Protecting Families LLC, its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses, including reasonable attorneys' fees, arising out of your use of our services or violation of these Terms of Service.

15. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms of Service constitute the entire agreement between you and Protecting Families LLC regarding your use of our website and services, superseding any prior agreements or understandings, whether oral or written.

17. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us:

Email: [email protected]

Phone: (678) 498-6766

By using our website and services, you acknowledge that you have read, understood, and agree to these Terms of Service.