Last Updated: 8-27-2025

1. AGREEMENT TO TERMS

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Prime Life Financial LLC (“we,” “us,” or “our”), concerning your access to and use of the Prime Life Financial website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”).

You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms and Conditions. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. SCOPE OF SERVICES & PROFESSIONAL DISCLAIMERS

The Site provides information regarding health insurance, life insurance, and other related products. It is intended for informational and educational purposes only.

• No Professional Advice: The content on this Site does not constitute financial, investment, legal, tax, or medical advice. It is not a substitute for professional advice from a qualified provider. You should consult with a licensed professional for advice tailored to your individual situation.
• Third-Party Referrals: The Site may offer referrals to third-party professionals for services such as retirement planning or financial advice. We are not a party to any agreement you may make with these third parties. We do not endorse, and are not responsible or liable for, the services, advice, or actions of any third-party provider. Your engagement with any third party is at your own risk.
• Insurance Information: All information about insurance plans is provided for general informational purposes. Coverage, benefits, rates, and availability are subject to change and are governed by the specific terms of the insurance policy contract issued by the underwriting insurance carrier.

3. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws. You are granted a limited license to access and use the Site for your personal, non-commercial use.

4. PROHIBITED ACTIVITIES

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to:

• Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Use any information obtained from the Site in order to harass, abuse, or harm another person.
• Engage in unauthorized framing of or linking to the Site.
• Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
• Use the Site in a manner inconsistent with any applicable laws or regulations, including but not limited to those of the Texas Department of Insurance, Louisiana Department of Insurance, and the Centers for Medicare & Medicaid Services (CMS).

Any violation of these provisions may result in the immediate termination of your right to use the Site and may subject you to civil and criminal penalties to the fullest extent of the law.

5. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms shall be governed by and defined following the laws of the State of Texas. You and Prime Life Financial LLC irrevocably consent that the courts of Harris County, Texas shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

6. DISCLAIMER OF WARRANTIES

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

7. LIMITATIONS OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your use of the Site; (2) your breach of these Terms and Conditions; or (3) your violation of the rights of a third party.

9. CONTACT US

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:

Prime Life Financial LLC
6200 Savoy Dr. Suite 900, Houston, TX
info@primelifefinancial.com
+1 (832) 955-3500