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TERMS & CONDITIONS

1. Acceptance of Terms

Welcome to WO Life Insurance (“Company,” “we,” “us,” or “our”). By accessing or using our website https://wolifeinsurance.com (the “Website”), or any of our online forms, tools, or services (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”).
If you do not agree to these Terms, you must not access or use our Services.

2. Scope of Services

WO Life Insurance provides information, quotes, and assistance related to life insurance, mortgage protection, and related financial products.
All information on the Website is for general informational purposes only and does not constitute legal, tax, financial, or medical advice.
Any insurance coverage offered is subject to the terms, conditions, and underwriting guidelines of the applicable insurance carrier.

3. Eligibility

To use this Website or request insurance quotes, you must:

  • Be at least 18 years of age (or the age of majority in your jurisdiction).

  • Be legally capable of entering into binding contracts.

  • Provide truthful and accurate information during your interaction with us.

We reserve the right to verify your eligibility at any time and deny access if you provide false or misleading information.

4. No Guarantee of Coverage or Rates

Quotes or policy illustrations provided through the Website are for informational purposes only and do not guarantee coverage or pricing.
All insurance applications are subject to review and approval by the selected insurance carrier. Final premium rates depend on underwriting factors, including medical history, lifestyle, and other eligibility criteria.

5. User Responsibilities

By using our Website, you agree to:

  • Use it only for lawful purposes and in compliance with all applicable laws and regulations.

  • Not attempt to hack, damage, or disrupt our servers or network.

  • Not copy, reproduce, or distribute any part of our Website content without our written consent.

  • Not submit any false, fraudulent, or misleading information during any quote, form submission, or application process.

6. Intellectual Property Rights

All content on this Website—including text, graphics, logos, icons, design, audio/video clips, software, and other materials—is owned or licensed by WO Life Insurance and protected under U.S. and international copyright, trademark, and intellectual property laws.
You may view or print limited portions for your personal use only. Any commercial use, reproduction, modification, or distribution without prior written consent is strictly prohibited.

7. Privacy and Data Protection

Your use of the Website is also governed by our Privacy Policy.
By using our Services, you consent to the collection and use of your information as described in that policy.

8. Communications Consent

By submitting your contact information through the Website, you consent to receive communications from us—including phone calls, SMS/text messages, and emails—for purposes related to insurance quotes, follow-ups, policy updates, and marketing.
Message and data rates may apply.
You may opt out of marketing messages at any time by replying “STOP” to a text or following the unsubscribe instructions in an email.

9. Third-Party Links and Resources

Our Website may contain links to third-party websites or services not owned or controlled by WO Life Insurance.
We do not endorse or assume responsibility for the content, accuracy, or practices of any third party.
Your use of third-party sites is at your own risk and subject to their terms and privacy policies.

10. Limitation of Liability

To the fullest extent permitted by law, WO Life Insurance and its owners, employees, affiliates, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website or Services.
This includes but is not limited to loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising from these Terms or your use of the Website will not exceed $100 USD or the amount you paid (if any) for our Services.

11. No Professional Advice

All content provided through the Website is for informational and educational purposes only.
Nothing on this site constitutes legal, financial, or tax advice.
Before making any decision regarding insurance or financial matters, you should consult with a licensed professional or the relevant insurance provider.

12. Disclaimer of Warranties

The Website and all Services are provided “as is” and “as available” without any warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
We do not warrant that the Website will be secure, uninterrupted, error-free, or free of viruses or harmful components.

13. Indemnification

You agree to indemnify, defend, and hold harmless WO Life Insurance, its affiliates, officers, agents, and employees from any and all claims, liabilities, damages, costs, and expenses (including attorneys’ fees) arising from your use of the Website, your violation of these Terms, or your infringement of any rights of another party.

14. Termination

We may suspend or terminate your access to the Website at any time, without prior notice, for any conduct that we believe violates these Terms or is otherwise harmful to our interests or other users.
Upon termination, all rights granted to you under these Terms will immediately cease.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada (U.S.A.), without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in Las Vegas Nevada, U.S.A., and you hereby consent to the personal jurisdiction of those courts.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Changes to These Terms

We reserve the right to modify, amend, or update these Terms at any time.
When we do, we will revise the “Last Updated” date above.
Your continued use of the Website after any changes constitutes your acceptance of the new Terms.

18. Contact Information

For questions, comments, or concerns regarding these Terms and Conditions, please contact us:

Mailing Address: 4525 Dean Martin Drive Unit 546, Las Vegas NV 89084
Phone: 702-234-6543

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