Effective Date: 08/20/2025
Last Updated: 09/10/2025

1. Acceptance of Terms

By accessing or using the services provided by Liberty Shield Financial ("we," "our," "us," or "Company"), including responding to our advertisements, submitting information through lead forms, or applying for life insurance coverage, you ("you" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

Liberty Shield Financial is a life insurance agency operating in all 50 states. Our services include:

Life insurance quotes and consultations

Life insurance application processing

Policy comparison and recommendations

Customer support and service

Educational resources about life insurance

Marketing and advertising through various channels, including social media platforms

3. Eligibility and Age Requirements

To use our services, you must:

Be at least 18 years of age

Be a legal resident of the United States

Have the legal capacity to enter into binding contracts

Provide accurate and truthful information in all communications and applications

4. User Responsibilities and Conduct

4.1 Accurate Information

You agree to:

Provide complete, accurate, and truthful information in all applications and communications

Update us promptly of any changes to your information

Not misrepresent your identity, health status, or any other material facts

Cooperate with underwriting processes, including medical examinations if required

4.2 Prohibited Uses

You may not use our services to:

Engage in fraudulent activity or misrepresentation

Violate any applicable laws or regulations

Interfere with our systems or security measures

Use our services for any unlawful purpose

Harass, abuse, or harm our employees, agents, or other users

5. Life Insurance Applications and Underwriting

5.1 Application Process

Life insurance applications are subject to underwriting approval by our partner insurance carriers

We do not guarantee that any application will be approved

Coverage amounts and premiums are subject to underwriter approval and may differ from initial quotes

Medical examinations, lab tests, or additional documentation may be required

5.2 Quotes and Estimates

All quotes and estimates are preliminary and subject to change based on underwriting

Quotes are not guarantees of coverage or final premium rates

Final policy terms will be determined by the issuing insurance carrier

5.3 Policy Issuance

We act as an intermediary between you and insurance carriers

The insurance contract is between you and the issuing insurance company

Policy terms, conditions, and benefits are governed by the insurance carrier's policy documents

6. Fees and Payment

6.1 Our Services

Our consultation and quote services are provided at no charge to you

We receive compensation from insurance carriers for policies sold

You are responsible for premium payments directly to the insurance carrier once a policy is issued

6.2 Third-Party Costs

You may be responsible for costs related to medical examinations or other underwriting requirements

These costs are typically covered by the insurance carrier but may vary by policy and carrier

7. Communications and Marketing

7.1 Consent to Contact

By using our services or providing your contact information, you consent to receive communications from us via:

Phone calls (including to mobile numbers)

Text messages/SMS

Mail

Other electronic communications

7.2 Opt-Out Rights

You may opt out of marketing communications at any time

Opting out of marketing does not affect necessary policy-related communications

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you also agree to our Privacy Policy.

9. Third-Party Services and Links

9.1 Social Media Platforms

We advertise on third-party platforms like Facebook

Your interactions with these platforms are subject to their terms of service and privacy policies

We are not responsible for the practices or policies of third-party platforms

9.2 Insurance Carriers

We work with multiple licensed insurance carriers

Each insurance carrier has its own terms, conditions, and policies

We are not responsible for the actions or policies of insurance carriers

10. Disclaimers and Limitations

10.1 No Guarantee of Coverage

We cannot guarantee:

That any life insurance application will be approved

Specific premium rates or policy terms

Coverage amounts or benefit levels

Processing timeframes for applications

10.2 Professional Advice

Our services are for informational purposes and insurance sales

We do not provide legal, tax, or financial planning advice

You should consult appropriate professionals for such advice

10.3 Technology and System Availability

We strive to maintain system availability but cannot guarantee uninterrupted service

We are not liable for technical issues or system downtime

Information submitted through online forms should be considered received only upon our confirmation

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

OUR LIABILITY TO YOU IS LIMITED TO THE FEES (IF ANY) YOU HAVE PAID TO US

WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES

WE ARE NOT LIABLE FOR DAMAGES RELATED TO INSURANCE CARRIER DECISIONS OR ACTIONS

OUR TOTAL LIABILITY SHALL NOT EXCEED $100 IN ANY EVENT

12. Indemnification

You agree to indemnify and hold harmless Liberty Shield Financial, its officers, employees, and agents from any claims, damages, or expenses arising from:

Your breach of these Terms

Your misrepresentation or fraud

Your violation of applicable laws

Your use of our services

13. Intellectual Property

13.1 Our Content

All content on our website, marketing materials, and communications, including text, graphics, logos, and software, is owned by Liberty Shield Financial and is protected by intellectual property laws.

13.2 Limited License

We grant you a limited, non-exclusive license to access and use our services for their intended purpose. You may not reproduce, distribute, or create derivative works from our content without written permission.

14. Termination

14.1 Termination by You

You may terminate your use of our services at any time by:

Ceasing to use our services

Requesting removal from our systems (subject to legal retention requirements)

14.2 Termination by Us

We may terminate or suspend your access to our services immediately if you:

Breach these Terms

Engage in fraudulent activity

Violate applicable laws

Use our services inappropriately

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

15.2 Jurisdiction

Any disputes arising under these Terms shall be resolved in the state or federal courts located in Austin, Texas.

15.3 Arbitration

For claims under $10,000, we prefer binding arbitration through the American Arbitration Association, but this does not waive your right to pursue claims in small claims court.

16. Insurance Regulatory Compliance

16.1 Licensing

Liberty Shield Financial operates under appropriate licenses in all states where we conduct business and complies with applicable insurance regulations.

16.2 Regulatory Complaints

If you have complaints about our insurance practices, you may contact your state insurance commissioner in addition to contacting us directly.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

18. Changes to Terms

We may modify these Terms at any time by:

Posting updated Terms with a new effective date

Providing notice via email or other communication methods

Your continued use of our services constitutes acceptance of modified Terms

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Liberty Shield Financial regarding our services.

20. Contact Information

For questions about these Terms of Service, please contact us:

Liberty Shield Financial
134 Wild Basin Rd, Building A, Suite 240
Austin, TX 78746
Phone: (480) 341-8900
Email: [email protected]

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