Terms of Use

1. Acceptance

These Terms of Use (the "Terms") govern your access to and use of LastingLegacyLife.com (the "Site"), owned and operated by Adcentral, LLC ("we," "us," "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

2. Nature of the Site

The Site is an advertising and marketing website. We are not an insurance company, insurance agency, insurance agent, insurance broker, insurance producer, or underwriter, and we are not licensed to sell, solicit, or negotiate insurance in any state. We do not sell, issue, service, or administer insurance policies or any other financial product, and we do not make eligibility, underwriting, approval, or coverage determinations.

The Site provides general information and may offer you the opportunity to be connected with independent third-party companies ("Partners"). We receive compensation from Partners for advertising and for referrals. Our full compensation disclosure appears in the footer of every page of this Site and forms part of these Terms.

3. No advice; no offer

All content on the Site is general in nature and provided for informational purposes only. Nothing on the Site constitutes insurance, legal, tax, investment, or financial advice, and nothing on the Site constitutes an offer, solicitation, binder, or contract for insurance or any other product. No agent, fiduciary, advisory, or professional relationship is created between you and us by your use of the Site. You should consult a licensed professional of your own choosing before making any decision.

4. No guarantees

We do not guarantee eligibility, acceptance, approval, coverage, availability, rates, premiums, benefits, payouts, or any other outcome. Rates, terms, availability, and eligibility are determined solely by the issuing company and vary by state and by individual circumstances. Any figures, ranges, or examples appearing on the Site are illustrative only and are not quotes or offers. Products described may not be available in all states.

5. Third parties

Partners and other third parties referenced on or linked from the Site are independent entities. We do not control, endorse, warrant, or assume responsibility for any third party, or for any product, service, offer, content, statement, act, or omission of any third party. Third parties are solely responsible for their own licensing, conduct, compliance, and privacy practices. Any transaction or dispute between you and a third party is solely between you and that third party. Links to third-party sites are provided for convenience only and do not imply endorsement.

6. Your submissions and consent to contact

You represent that any information you submit is accurate, that it relates to you, and that you are at least 18 years old and legally able to enter into these Terms. If you request contact, you consent to be contacted by us and by one or more Partners at the telephone number and email address you provide, including by automated telephone dialing systems, prerecorded or artificial voice messages, and text messages, and including at a number registered on a state or federal Do Not Call list. Consent is not a condition of purchasing any goods or services. Message and data rates may apply and message frequency varies. You may revoke consent at any time as described in our Privacy Policy.

7. Acceptable use

You agree not to: use the Site for any unlawful purpose; submit false, misleading, or another person's information without authorization; interfere with or disrupt the Site or its security; access the Site by automated means, including scraping, crawling, or harvesting, except for standard search engine indexing; reverse engineer or attempt to derive source code; or reproduce, distribute, or create derivative works from Site content without our written permission.

8. Intellectual property

The Site and its content, design, text, graphics, and code are owned by Adcentral, LLC or its licensors and are protected by intellectual property laws. Third-party names, logos, and trademarks appearing on the Site are the property of their respective owners, and their appearance does not imply affiliation with or endorsement by those owners.

9. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR CURRENT.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADCENTRAL, LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR ANY DEALINGS WITH ANY THIRD PARTY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify, defend, and hold harmless Adcentral, LLC and its officers, members, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site, your submissions, or your violation of these Terms or any applicable law.

12. Changes to the Site and Terms

We may modify, suspend, or discontinue the Site or any part of it at any time without notice. We may revise these Terms at any time by posting an updated version with a new "Last updated" date. Your continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

13. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute not otherwise resolved shall be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction and venue. Nothing in these Terms limits any right you may have to bring a complaint before a governmental agency.

14. Severability and entire agreement

If any provision of these Terms is held unenforceable, that provision shall be limited or severed to the minimum extent necessary and the remaining provisions shall remain in full force. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy and the advertising disclosure in the footer of this Site, constitute the entire agreement between you and us regarding the Site.

15. Contact

Adcentral, LLC
Attn: Legal — LastingLegacyLife.com
[STREET ADDRESS]
[CITY, STATE ZIP]
contact@lastinglegacylife.com