Terms of Service
Last Updated: January 24, 2026
1. Acceptance of the Terms of Service
These Terms of Service (the "Terms") constitute a legally binding agreement between you ("User," "you," or "your") and EasyInsuranceToday - Better Life Division ("Company," "we," "us," or "our"). These Terms govern your access to and use of easyinsurancetoday.net (the "Site"), including any content, functionality, and services offered on or through the Site, such as the downloading of "The Indiana Resident’s Guide to Life Insurance" (the "Guide").
By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms or the Privacy Policy, you must not access or use the Site.
2. Nature of Our Services (Lead Generation Disclosure)
PLEASE READ CAREFULLY:
- We Are Not an Insurance Agency: The Company is a marketing and media agency engaged in lead generation. We are not a licensed insurance agency, insurance carrier, or financial advisory firm. We do not issue insurance policies or make coverage decisions.
- We Are a Connector: Our primary service is to connect interested consumers with third-party licensed insurance agents or agencies ("Partners") who can assist with insurance needs.
- No Professional Advice: The content provided on this Site and in the Guide—including information regarding Indiana consumer rights, Medicaid, funeral trusts, and estate planning—is for general informational purposes only. It does not constitute legal, financial, or insurance advice. While we strive to provide accurate information based on Indiana standards, laws and regulations change. You should consult with a qualified attorney or financial advisor before making financial decisions.
3. User Eligibility and Obligations
By using this Site, you represent and warrant that:
- You are at least 18 years of age.
- You are a resident of the United States.
- All information you submit through our lead forms is truthful, accurate, and current.
- You are the owner of the telephone number and email address you provide.
4. TCPA Consent and Communication Policy
By submitting your contact information on our Site, you explicitly acknowledge and agree to the following:
- Express Written Consent: You provide your express written consent to receive telemarketing calls, text messages (SMS), and emails from the Company and our third-party Partners (licensed insurance agents/agencies).
- Automated Technology: You understand that these communications may be generated using an automated telephone dialing system (autodialer) or pre-recorded voice messages, even if your number is listed on a federal, state, or internal "Do Not Call" registry.
- Not a Condition of Purchase: You understand that your consent to receive these communications is not a condition of purchasing any goods or services.
- Resale of Data: You acknowledge that we may sell your contact information to third parties who will contact you to offer insurance products.
5. Intellectual Property Rights
The Site and its entire contents, features, and functionality (including but not limited to the Guide, "The Indiana Resident’s Guide to Life Insurance", text, logos, and design) are owned by the Company and are protected by United States and international copyright, trademark, and other intellectual property laws.
- License to Use: We grant you a limited, non-exclusive, non-transferable license to download and view the Guide for your personal, non-commercial use only.
- Prohibitions: You must not reproduce, distribute, modify, create derivative works of, publicly display, or sell any of the material from our Site or the Guide without our prior written permission.
6. Third-Party Links and Services
Our Site and the services we provide (connecting you to agents) involve third parties.
- No Control: We do not control the third-party agents, brokers, or carriers to whom we sell your lead data. We are not responsible for their sales tactics, products, services, or the content of their communications.
- Disputes: Any interaction, purchase, or agreement you enter into with a third-party agent is solely between you and that third party. We are not a party to any such transaction. You agree that the Company shall not be liable for any loss or damage of any sort incurred as the result of any such dealings.
7. Disclaimer of Warranties
Your use of the site and the content (including the Guide) is at your own risk. The site and content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.
- Accuracy: We do not warrant the accuracy, completeness, or usefulness of the information provided in the Guide (e.g., funeral cost estimates, Medicaid rules). Any reliance you place on such information is strictly at your own risk.
- Availability: We do not guarantee that the Site will be error-free, uninterrupted, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, in no event will the Company, its owners, affiliates, or licensors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use of the site, the Guide, or any services linked to it.
This includes direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to personal injury, pain and suffering, emotional distress, loss of revenue, or loss of data, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable. Specifically, we are not liable for any financial losses you incur based on insurance products purchased from third-party agents connected through our Site.
9. Indemnification
You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
- Your violation of these Terms.
- Your use of the Site or the Guide.
- Information you provide to us that is false or inaccurate.
- Any dispute between you and a third-party agent.
10. Arbitration and Class Action Waiver
- Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in Indiana before a single arbitrator.
- Class Action Waiver: YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE LIMITED TO THE DISPUTE BETWEEN US AND YOU INDIVIDUALLY. YOU WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
11. Governing Law
All matters relating to the Site and these Terms shall be governed by and construed in accordance with the internal laws of the State of Indiana without giving effect to any choice or conflict of law provision or rule.
12. Changes to Terms
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Website following the posting of revised Terms of Service means that you accept and agree to the changes.
13. Contact Information
This website is operated by EasyInsuranceToday - Better Life Division. All feedback, comments, requests for technical support, and other communications relating to the Site should be directed to:
Email: [email protected]