Terms of Use

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws, and regulations, and agree that you are responsible for compliance with any applicable local laws. By accepting the terms contained herein, you are indicating your acknowledgment and acceptance of these Terms and Conditions of Use. Changes in the Terms and Conditions of Use may occur at any time, without further notice.

Privacy Policy

Heart Life Insurance has adopted a Privacy Policy. You are encouraged to refer to the Privacy Policy by clicking on the Privacy Policy link before providing any information.

Consent To Be Contacted

You understand that by submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents and underwriting experts. You also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, email, SMS, or direct mail even if you are registered on the federal do-not-call list and/or any applicable state do-not-call list.

You may withdraw consent by notifying Heart Life Insurance by phone, fax, mail or email at any time.

We are consumers too. Your request to not be contacted will be granted in a timely fashion-however-this will seriously hinder your options for getting insurance with the assistance of our employees.

Restrictions On Use

You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without express prior written consent of Heart Life Insurance. For example, you may not display the Heart Life Insurance name, logo or trademark appearing on this website. You agree to cooperate with Heart Life Insurance in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Proprietary Information

The content on this site is the proprietary information of Heart Life Insurance, and Heart Life Insurance retains all right, title, and interest in it. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Heart Life Insurance, except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of Heart Life Insurance. Neither title nor intellectual property rights are transferred to you by access to this site.

Revisions and Errata

The materials appearing on Heart Life Insurance’s web site could include technical, typographical, or photographic errors. Heart Life Insurance does not warrant that any of the materials on its web site are accurate, complete, or current. Heart Life Insurance may make changes to the materials contained on its web site at any time without notice. Heart Life Insurance does not, however, make any commitment to update the materials.

Links

Heart Life Insurance has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Heart Life Insurance of the site. Use of any such linked web site is at the their own risk.

Third-Party Content & Services

Heart Life Insurance may provide links to content of third parties as a service to those interested in this information. Heart Life Insurance does not monitor nor does Heart Life Insurance have control over any third-party content or third-party websites. Heart Life Insurance does not endorse or adopt any third-party content and can make no representation or warranty as to its accuracy or completeness. Use of these links and third party-content contained therein at their own risk.

Disclaimer

The materials on Heart Life Insurance’s web site are provided “as is”. Heart Life Insurance makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Heart Life Insurance does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Limitation of Liability

In no event shall Heart Life Insurance or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Heart Life Insurance’s Internet site, even if Heart Life Insurance or an Heart Life Insurance authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Indemnity

You will indemnify and hold Heart Life Insurance, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms and Conditions of Use by you, including any use of content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this site.

Legal Disclaimer

All text and information provided on or through this site is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by Heart Life Insurance.

This site is for informational purposes only and is provided without charge to individuals who may seek information regarding life insurance.

Heart Life Insurance does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.