Terms and Conditions
1. Introduction
Welcome to Empower Insurance Group. By accessing and using our website www.empowerinsurancegroup.com, you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, you should not use this Site.
2. Services Offered
Our website provides information related to insurance products, financial planning services, and other related services. The services offered include but are not limited to, the sale of insurance policies (life, health, auto, home, business, etc.), as well as financial planning and advisory services.
3. Eligibility
To use this Site and engage with our services, you must be at least 18 years old or the legal age of majority in your jurisdiction. You must also have the legal capacity to enter into a binding agreement.
4. No Insurance or Financial Advice
The information provided on this Site is for informational purposes only. While we strive to provide accurate and up-to-date information, nothing on this website constitutes professional advice. You should consult with a licensed professional or financial advisor before making any decisions regarding insurance or financial planning.
5. User Responsibilities
You agree to use the Site for lawful purposes only and not to:
• Violate any applicable laws or regulations.
• Impersonate any person or entity.
• Use the Site in a manner that could damage, disable, or impair its operation.
• Provide false or misleading information when requesting quotes or services.
6. Privacy and Data Collection
Your use of the Site is governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. By using this Site, you consent to the collection and use of your information as outlined in our Privacy Policy.
7. Payment and Billing
When purchasing insurance products or financial planning services through the Site, you agree to provide accurate payment information. All payments for services are processed securely through third-party payment processors. Any applicable taxes, fees, or additional charges will be disclosed during the checkout process.
8. Insurance Policy Terms
If you purchase an insurance policy through the Site, the terms of the policy will be governed by the specific insurance carrier’s terms and conditions. The details of your coverage, premiums, and claims processes will be provided by the insurance company.
9. Changes to Terms and Conditions
We reserve the right to modify or update these terms and conditions at any time. Any changes will be posted on this page with an updated “Last Revised” date. It is your responsibility to review these terms regularly to ensure you are aware of any updates.
10. Limitation of Liability
To the fullest extent permitted by law, Empower Insurance Group shall not be held liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or any services obtained through this Site. This includes, but is not limited to, loss of profits, loss of data, or damages resulting from reliance on any information provided on the Site.
11. Third-Party Links
This Site may contain links to third-party websites. We do not control or endorse the content of these websites and are not responsible for their practices. If you decide to access third-party websites, you do so at your own risk.
12. Indemnification
You agree to indemnify, defend, and hold harmless Empower Insurance Group and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or in connection with your use of this Site or any violation of these terms and conditions.
13. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of [your jurisdiction]. Any dispute arising from or related to these terms shall be resolved in the competent courts of [your jurisdiction].
14. Dispute Resolution
Any disputes related to your use of the Site or our services will be resolved through arbitration and you agree to submit to the exclusive jurisdiction and venue of [jurisdiction]. Please refer to our Dispute Resolution Policy for further details.
15. Termination
We may suspend or terminate your access to the Site at our sole discretion if we believe you have violated these terms and conditions. Upon termination, you will no longer have access to any of the services or features of the Site.
16. Contact Information
If you have any questions about these terms and conditions, please contact us at:
Empower Insurance Group
832-224-5966
17. Entire Agreement
These terms and conditions, along with any additional policies or documents incorporated by reference, constitute the entire agreement between you and Empower Insurance Group regarding your use of this Site.