Terms of Use

By accessing and using UPointLife.com (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of the Website immediately.

We reserve the right to modify these Terms of Use at any time. Changes become effective upon posting to the Website. Your continued use of the Website after any modifications constitutes acceptance of the updated terms.

UPointLife.com is a marketing and educational brand of Union Point Insurance Agency LLC. Our Website provides:

• Educational content about life insurance products and concepts
• General guidance to help you understand your coverage options
• Tools and resources for learning about life insurance
• A means to connect with licensed insurance professionals

Not Professional Advice

The information on this Website is for educational and informational purposes only. It does not constitute financial, legal, tax, or insurance advice. You should consult with a qualified licensed professional before making any insurance or financial decisions.

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms of Use.

When using our Website, you agree not to:

• Provide false, misleading, or inaccurate information in any form or communication
• Use the Website for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Website, its systems, or networks
• Interfere with or disrupt the operation of the Website or servers connected to it
• Use automated tools, bots, scrapers, or similar technology to access or collect data from the Website
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Harvest or collect personal information of other users
• Use the Website to send unsolicited communications or spam

All content on this Website, including but not limited to text, graphics, logos, images, icons, audio, video, software, and design elements, is the property of Union Point Insurance Agency LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes. This license does not include:

• Modifying or copying Website materials for commercial use
• Using any data mining, robots, or similar data gathering tools
• Downloading or copying account information for the benefit of another party
• Removing any copyright, trademark, or other proprietary notices from Website content
• Reproducing, distributing, or creating derivative works from Website content without written permission

When you submit information through our Website forms, including contact forms, quote request forms, or newsletter sign-ups, you agree that:

• All information you provide is truthful, accurate, and complete
• You consent to being contacted by UPointLife.com and affiliated licensed insurance professionals
• Your information will be handled in accordance with our Privacy Policy
• You may receive educational materials, follow-up communications, and information about insurance products
• You can opt out of communications at any time by following the unsubscribe instructions provided

Please be aware of the following important disclaimers regarding insurance information on our Website:

• Coverage availability, pricing, terms, and benefits vary by state, carrier, and individual circumstances
• Quotes and estimates provided are for illustrative purposes only and do not guarantee coverage or pricing
• Life insurance products are issued by licensed insurance carriers, not by UPointLife.com
• Approval for coverage is subject to the insurance carrier's underwriting requirements
• Past performance of any insurance product does not guarantee future results
• Policy terms and conditions are governed by the actual insurance contract, not by information on this Website

Union Point Insurance Agency LLC is a licensed insurance agency. Licensing information is available upon request. Not all products are available in all states.

Our Website may contain links to third-party websites, services, or resources that are not owned or controlled by UPointLife.com. We provide these links for your convenience and reference only.

We do not:

• Endorse or assume responsibility for any third-party websites, content, products, or services
• Guarantee the accuracy, completeness, or reliability of third-party content
• Accept liability for any loss or damage arising from your use of third-party websites

We encourage you to review the terms of use and privacy policies of any third-party websites you visit through links on our Website.

To the fullest extent permitted by applicable law, UPointLife.com, Union Point Insurance Agency LLC, and their officers, directors, employees, agents, and affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website
• Any errors, inaccuracies, or omissions in Website content
• Any unauthorized access to or use of our servers or personal information stored therein
• Any interruption or cessation of transmission to or from the Website
• Any loss or damage of any kind incurred as a result of the use of any content posted or transmitted through the Website
• Any decisions made based on information provided on the Website

In no event shall our total liability to you for all claims arising from or related to the Website exceed one hundred dollars ($100.00).

You agree to indemnify, defend, and hold harmless UPointLife.com, Union Point Insurance Agency LLC, and their officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Website
• Your violation of these Terms of Use
• Your violation of any rights of a third party
• Any information you submit through the Website

These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms of Use or your use of the Website shall be resolved through:

• Good faith negotiation between the parties for a period of thirty (30) days
• If negotiation fails, binding arbitration administered in accordance with the rules of the American Arbitration Association
• Arbitration shall take place in Boston, Massachusetts
• The arbitrator's decision shall be final and binding on both parties

You agree to waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

We reserve the right to terminate or suspend your access to the Website at any time, without prior notice or liability, for any reason, including but not limited to a breach of these Terms of Use.

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms of Use that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

If any provision of these Terms of Use is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect.

If you have any questions about these Terms of Use, please contact us:

• Email: info@upointlife.com
• Phone: (555) 123-4567
• Mail: Union Point Insurance Agency LLC, 123 Main Street, Suite 100, Boston, MA 02101