Terms and Conditions
ELIZABETH LOVETT
Doing Business As LOVETT INSURANCE SOLUTIONS
TERMS AND CONDITIONS AND CONSENT AGREEMENT
Last Updated: August 15, 2026
IMPORTANT LEGAL NOTICE
PLEASE READ THESE TERMS AND CONDITIONS AND CONSENT AGREEMENT CAREFULLY. THEY CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND ELIZABETH LOVETT, DOING BUSINESS AS LOVETT INSURANCE SOLUTIONS.
THESE TERMS CONTAIN AN AGREEMENT TO ARBITRATE DISPUTES, A WAIVER OF THE RIGHT TO A JURY TRIAL, AND A WAIVER OF THE RIGHT TO PARTICIPATE IN CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDINGS. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS.
By accessing or using this website or submitting information through the website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.
If you do not agree to these Terms, you must not access or use this website or submit information through it.
Nothing contained in these Terms or the Services constitutes legal, tax, accounting, investment, fiduciary, medical, or other professional advice. Insurance products and recommendations are subject to applicable licensing requirements, carrier rules, underwriting, policy terms, availability, and applicable law.
1. PARTIES AND DEFINITIONS
1.1 Company
“Company,” “Lovett Insurance Solutions,” “we,” “us,” and “our” mean Elizabeth Lovett, an individual doing business as Lovett Insurance Solutions, together with any authorized contractors, service providers, representatives, successors, and permitted assigns acting on her behalf.
1.2 User
“User,” “you,” and “your” mean any person who accesses, views, downloads, receives, submits information through, schedules an appointment through, purchases from, or otherwise uses any part of the Services.
1.5 Insurance Carrier
“Insurance Carrier” means an insurance company, insurer, underwriting organization, administrator, or other third party that issues, administers, underwrites, or services an insurance policy or insurance-related product.
1.6 Agreement
“Agreement” means these Terms and Conditions and Consent Agreement, together with any additional written terms, disclosures, authorizations, application documents, carrier forms, privacy notices, or purchase terms expressly incorporated by reference.
2. ELIGIBILITY AND ACCEPTANCE
2.1 Eligibility
You must be at least eighteen years of age and legally capable of entering into a binding contract to use the Services. By using the Services, you represent and warrant that you satisfy these requirements.
2.2 Acceptance
You accept this Agreement by accessing or using the Services, submitting a form, requesting information, downloading Content, scheduling a consultation, communicating with the Company, checking an acceptance or consent box, or otherwise indicating agreement through an electronic or written action.
2.3 Electronic Agreement
You agree that electronic acceptance, electronic records, electronic signatures, and electronic communications may have the same legal force and effect as paper records and handwritten signatures to the fullest extent permitted by applicable law.
3. SCOPE OF SERVICES
3.1 General Scope
The website provides general information about life insurance and allows visitors to contact the Company regarding insurance-related questions and services.
3.2 Insurance Agent Capacity
The Company may act as a licensed insurance agent or producer when discussing or facilitating an application for an insurance product. The Company is not an Insurance Carrier and does not issue policies, determine final premiums, make underwriting decisions, approve applications, guarantee coverage, administer claims, or control carrier operations.
3.3 Availability of Services
The website may be modified, suspended, or discontinued at any time.
3.4 Geographic and Licensing Limitations
Insurance-related services are offered only where the Company is properly licensed and authorized to conduct insurance business. Access to general Content from a particular jurisdiction does not constitute an offer to sell insurance in that jurisdiction.
3.5 No Obligation to Apply or Purchase
Submitting information through this website does not obligate you to apply for or purchase an insurance product. Any application will be governed by separate carrier documents, disclosures, policy terms, and applicable law.
4. EDUCATIONAL PURPOSE ONLY
4.1 General Information
Information on this website is provided for general educational and informational purposes only.
4.2 No Individualized Determination From General Content
Information on this website cannot account for every person’s circumstances and should not be treated as a complete analysis of your individual needs.
4.3 Independent Review
5. NO PROFESSIONAL ADVICE DISCLAIMER
5.1 No Legal Advice
The Company does not provide legal advice or legal services. No Content or communication creates an attorney-client relationship. Questions involving trusts, wills, guardianship, beneficiary designations, estate planning, contracts, or other legal rights should be directed to a qualified attorney.
5.2 No Tax or Accounting Advice
The Company does not provide tax or accounting advice. Statements concerning taxation, estate planning, retirement assets, policy benefits, or financial consequences are general in nature and must not be relied upon as a substitute for advice from a qualified tax professional or accountant.
5.3 No Investment Advice
The Company does not provide securities, investment, or portfolio-management advice unless separately licensed and expressly identified in writing. Nothing in the Services is an offer, recommendation, or solicitation to buy or sell a security.
5.4 No Fiduciary Relationship
Except to the extent a specific nonwaivable duty is imposed by applicable law, use of the Services does not create a fiduciary, trustee, advisory, confidential, or special relationship between you and the Company.
5.5 Insurance Information
Insurance-related information is not a guarantee that any product is suitable, available, affordable, or appropriate for you. Any recommendation depends upon the information you provide and is subject to carrier requirements and applicable law.
6. INSURANCE-SPECIFIC DISCLOSURES
6.1 No Binding Authority Through Informal Communications
No website submission, contact request, email, text message, or verbal discussion creates, binds, modifies, renews, or extends insurance coverage. Coverage becomes effective only as stated in written documents issued or approved by the applicable Insurance Carrier.
6.2 Underwriting and Approval
All insurance applications are subject to underwriting, eligibility requirements, identity verification, carrier approval, and applicable law. An Insurance Carrier may request medical, financial, occupational, prescription, motor-vehicle, or other information as permitted by law.
6.3 Quotes and Illustrations
Any quotes or estimates provided are preliminary. Actual premiums, benefits, exclusions, and policy terms may differ based on underwriting and carrier determinations.
6.4 Policy Controls
The issued insurance policy and accompanying carrier documents control in the event of any inconsistency with a website, advertisement, consultation, guide, summary, quote, illustration, email, or verbal statement.
6.5 User Responsibility
You are responsible for providing complete, accurate, and current information. Misstatements, omissions, or inaccuracies may result in changed terms, denial of coverage, rescission, claim denial, cancellation, or other consequences under applicable law and policy terms.
6.6 Existing Coverage
You must not cancel, replace, reduce, surrender, borrow against, or otherwise alter existing insurance coverage solely because you requested information or submitted a new application. Any change should occur only after careful review and, where appropriate, confirmation that replacement coverage is in force.
6.7 Claims
The Company does not guarantee payment of any claim. Claim eligibility and payment are determined by the issuing Insurance Carrier under the applicable policy and law.
7. NO GUARANTEES AND NO INCOME OR OUTCOME CLAIMS
7.1 No Guaranteed Results
The Company makes no guarantee concerning financial results, savings, policy approval, underwriting classification, premium amount, benefit amount, claim payment, eligibility, tax treatment, estate-planning result, family outcome, business result, or other consequence.
7.2 Individual Results Vary
Results depend on individual circumstances, actions, health, finances, carrier requirements, market conditions, policy terms, legal requirements, and factors beyond the Company’s control.
7.3 No Income Claims
7.4 Testimonials
8. USER REPRESENTATIONS AND RESPONSIBILITIES
You represent, warrant, and agree that:
All information you provide will be truthful, complete, current, and accurate.
You will promptly correct information that becomes inaccurate.
You will not submit information on behalf of another person without lawful authority and any required consent.
You will review all applications, policy documents, disclosures, illustrations, and confirmations before signing or accepting them.
You will not rely exclusively on general Content when making legal, tax, financial, medical, estate-planning, or insurance decisions.
You will use the Services only for lawful, personal, and legitimate purposes.
You will maintain appropriate security over downloaded Content and personal information.
You will not misrepresent your identity, circumstances, health, finances, insurance history, or intended use of an insurance product.
You will comply with all applicable laws, carrier requirements, and contractual obligations.
9. PAYMENT TERMS
9.1 Free Services
Certain guides, checklists, consultations, and informational resources may be offered without charge. The Company may change, limit, or discontinue free Services at any time.
9.2 Paid Services
If the Company offers a paid product or service, the price, payment schedule, and material purchase terms will be disclosed before payment is collected.
9.3 Authorization
By submitting payment information, you represent that you are authorized to use the selected payment method and authorize the Company and its payment processors to charge all disclosed amounts.
9.4 Taxes and Fees
You are responsible for applicable taxes, transaction charges, data charges, and other costs unless expressly stated otherwise.
9.5 Failed Payments
The Company may suspend access to paid Services when a payment is declined, reversed, disputed, or otherwise not received.
9.6 Insurance Premiums
Insurance premiums are governed by the Insurance Carrier’s terms and payment procedures. Payment to the Company does not create coverage unless the Company is expressly authorized to receive that payment and the applicable carrier’s requirements have been satisfied.
10. REFUND POLICY
10.1 General Rule
Unless a separate written offer expressly provides otherwise, all purchases from the Company are final and nonrefundable to the fullest extent permitted by applicable law.
10.2 Statutory Rights
Nothing in this Agreement eliminates any cancellation, free-look, rescission, refund, or other right that cannot lawfully be waived.
10.3 Insurance Products
Refunds, cancellations, premium returns, and free-look rights for insurance products are governed by the applicable policy, carrier rules, and law.
10.4 Chargebacks
Before initiating a chargeback, you agree to contact the Company at [email protected] and provide a reasonable opportunity to investigate and address the issue. This provision does not limit any nonwaivable rights available under applicable law.
12. ASSUMPTION OF RISK AND RELIANCE
12.1 Voluntary Use
You voluntarily access and use this website and are responsible for your use of the information provided on it.
12.2 Decisions
You are responsible for decisions made based on information from this website, including decisions involving insurance applications, coverage amounts, beneficiaries, or replacement of existing coverage.
12.3 Misuse of Information
The Company is not responsible for loss, liability, harm, or adverse consequences caused by inaccurate information supplied by you, failure to disclose material information, misunderstanding of Content, failure to review controlling documents, unauthorized sharing, or use of Content outside its intended purpose.
12.4 Professional Assistance
You are responsible for obtaining legal, tax, accounting, medical, investment, or other professional advice when appropriate.
13. COMMUNICATIONS CONSENT
13.1 Transactional Communications
By providing your email address or telephone number, you authorize the Company to send communications reasonably related to your inquiry, including responses to inquiries and appointment-related communications.
13.2 Marketing Emails
Where separately permitted and consented to by law, the Company may send informational or promotional communications concerning insurance services.
13.3 Calls and Text Messages
When you separately provide consent through a form, checkbox, signature, recorded authorization, or other legally recognized method, you authorize Elizabeth Lovett, doing business as Lovett Insurance Solutions, to contact you at the telephone number you provide regarding insurance services.
Any such consent applies only to the extent disclosed when consent is requested and permitted by law.
13.4 Consent Not Required as a Condition of Purchase
Consent to receive marketing calls or text messages is not required to contact the Company or inquire about its services.
13.5 Identity of Seller
Any marketing consent authorizes communications from Elizabeth Lovett, doing business as Lovett Insurance Solutions, only to the extent permitted by law.
13.6 Frequency and Charges
Message and call frequency may vary. Message and data rates may apply. Your mobile carrier is not responsible for delayed or undelivered messages.
13.7 No Guarantee of Security
Email and text messaging may not be secure. Do not send Social Security numbers, detailed medical records, banking credentials, or other highly sensitive information through unsecured email or text.
13.8 Compliance
Communications will be administered subject to applicable requirements, including the Telephone Consumer Protection Act and implementing regulations, including 47 C.F.R. § 64.1200, and applicable commercial-email requirements.
14. OPT-OUT AND REVOCATION INSTRUCTIONS
14.1 Text Messages
You may opt out of marketing text messages by replying STOP. You may also communicate a clear request to stop through any other reasonable method.
14.2 Telephone Calls
You may request placement on the Company’s internal do-not-call list during any call, by calling (806) 789-3579, by emailing [email protected], or through any other reasonable method that clearly communicates your request.
14.3 Email
You may unsubscribe from marketing emails by using the unsubscribe link contained in the email or by emailing [email protected]. Administrative, transactional, or legally required messages may continue when permitted by law.
14.4 Effect of Revocation
The Company will process legally valid revocation and do-not-call requests within the period required by applicable law. Revocation does not affect the lawfulness of communications sent before the revocation was received and processed.
14.5 Limited Confirmation
The Company may send one nonmarketing message confirming an opt-out request when permitted by law.
15. PRIVACY AND DATA PRACTICES
15.1 Information Collection
The Company may collect information you voluntarily provide through this website and information reasonably necessary to respond to inquiries or provide insurance-related services.
15.2 Service Providers and Carriers
Information may be disclosed to service providers, technology vendors, communications providers, Insurance Carriers, underwriting entities, and other parties as reasonably necessary to respond to inquiries, provide requested services, process applications, comply with law, or protect legal rights.
15.3 Separate Privacy Notices
Additional privacy notices, carrier authorizations, medical-information authorizations, or consumer-report disclosures may apply to an insurance application. Those documents supplement this Agreement.
15.4 No Sale Commitment Unless Separately Stated
Nothing in this Agreement should be interpreted as a representation concerning the sale or sharing of personal information beyond what is expressly stated in an applicable privacy notice.
16. INTELLECTUAL PROPERTY RIGHTS
16.1 Ownership
Website content is owned by or licensed to the Company and is protected by applicable intellectual-property laws.
16.2 Protected Materials
Protected content includes website text, graphics, branding, logos, and other website materials.
16.3 Limited License
Subject to these Terms, you may access and use website content for personal, noncommercial purposes.
16.4 Reservation of Rights
No ownership interest or intellectual-property right is transferred to you. All rights not expressly granted are reserved.
16.5 Feedback
If you voluntarily provide comments or suggestions, you grant the Company permission to use that feedback without compensation or attribution, provided that the Company does not publicly identify you without permission.
17. ACCEPTABLE USE OF MATERIALS
You must not, without prior written authorization:
Remove copyright, trademark, confidentiality, attribution, or proprietary notices.
Present Content as your own work or imply endorsement, affiliation, or sponsorship.
Scrape, harvest, index, or collect Content or personal information through automated means.
Introduce viruses, malicious code, or other harmful technology.
Interfere with security, access controls, operations, or availability of the Services.
Use the Services for fraud, harassment, unlawful solicitation, impersonation, or any unlawful purpose.
The Company may suspend or terminate access and pursue legal or equitable relief for actual or threatened violations.
18. THIRD-PARTY LINKS AND SERVICES
18.1 Third-Party Resources
The website may contain links to Insurance Carriers, scheduling platforms, government agencies, professionals, or other third-party resources.
18.2 No Control or Endorsement
The Company does not control and is not responsible for third-party content, security, availability, accuracy, privacy practices, products, services, or conduct. A link does not necessarily constitute endorsement.
18.3 Separate Terms
Your use of a third-party service is governed by that party’s terms and privacy practices, which you should review before using the service.
18.4 Referrals
The Company does not guarantee the competence, availability, advice, performance, or results of any third-party professional or service provider.
19. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.”
THE COMPANY DISCLAIMS ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, SECURITY, AVAILABILITY, QUIET ENJOYMENT, AND RESULTS.
THE COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, CURRENT, OR FREE FROM HARMFUL COMPONENTS; THAT DEFECTS WILL BE CORRECTED; THAT ANY PARTICULAR PRODUCT OR CARRIER WILL BE AVAILABLE; OR THAT USE OF THE SERVICES WILL PRODUCE A PARTICULAR RESULT.
NOTHING IN THIS SECTION EXCLUDES A WARRANTY THAT CANNOT LAWFULLY BE DISCLAIMED.
20. LIMITATION OF LIABILITY
20.1 Exclusion of Damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS CONTRACTORS, REPRESENTATIVES, SERVICE PROVIDERS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, CONSEQUENTIAL, OR ENHANCED DAMAGES; LOSS OF PROFITS, REVENUE, SAVINGS, DATA, BUSINESS OPPORTUNITY, GOODWILL, COVERAGE, BENEFITS, OR USE; EMOTIONAL DISTRESS; OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICES OR THIS AGREEMENT, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
20.2 Specific Exclusions
Without limiting Section 20.1, the Company is not liable for damages arising from:
Reliance on educational or general Content as individualized advice.
Inaccurate, incomplete, delayed, or omitted information supplied by a User or third party.
Underwriting, pricing, approval, denial, cancellation, rescission, claim, or servicing decisions made by an Insurance Carrier.
Changes in laws, carrier rules, product availability, policy terms, or underwriting standards.
Failure to read or understand an application, illustration, policy, disclosure, or carrier communication.
Cancellation or replacement of existing coverage before new coverage becomes effective.
Unauthorized access, interception, loss, or disclosure beyond the Company’s reasonable control.
Third-party websites, platforms, products, professionals, or services.
Events beyond the Company’s reasonable control.
20.3 Liability Cap
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO THE SERVICES OR THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID DIRECTLY TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS PRECEDING THE EVENT; OR (B) ONE HUNDRED UNITED STATES DOLLARS.
20.4 Nonwaivable Rights
The limitations in this section do not apply to liability that cannot lawfully be excluded or limited.
20.5 Essential Basis
The disclaimers and limitations in this Agreement form an essential basis of the bargain and apply even if a limited remedy fails of its essential purpose.
21. INDEMNIFICATION
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless the Company and its contractors, representatives, service providers, licensors, successors, and assigns from and against all third-party claims, demands, proceedings, liabilities, judgments, damages, losses, penalties, fines, costs, and reasonable attorneys’ fees arising out of or relating to:
Your breach of this Agreement.
Your violation of law or another person’s rights.
Information, documents, or materials you submit.
Your fraud, willful misconduct, negligence, or unauthorized conduct.
Your misuse of the Services or Content.
Your submission of another person’s information without lawful authority.
Any decision or action taken contrary to carrier documents or professional advice.
The Company may assume control of the defense of a matter subject to indemnification, and you agree to cooperate. You may not settle a covered claim in a manner that imposes liability or obligations on the Company without prior written consent.
22. SUSPENSION AND TERMINATION
The Company may restrict, suspend, or terminate access to the website if you violate these Terms, create security or legal risk, engage in fraudulent conduct, or interfere with website operations.
Provisions that by their nature should survive termination shall survive, including disclaimers, limitation of liability, indemnification, dispute resolution, governing law, and accrued obligations.
23. DISPUTE RESOLUTION AND INFORMAL NOTICE
23.1 Informal Resolution Required
Before initiating arbitration, either party must send the other a written notice describing the dispute, the relevant facts, the requested relief, and the sender’s contact information.
Notices to the Company must be sent to [email protected] with the subject line “Notice of Dispute” and by United States mail to any business mailing address publicly designated by the Company at the time notice is sent.
The parties shall attempt in good faith to resolve the dispute for at least thirty days after receipt of a complete notice.
23.2 Limitations Period
To the extent permitted by law, any claim arising out of or relating to the Services or this Agreement must be filed within one year after the claim accrued. Claims not filed within that period are permanently barred. This provision does not shorten any limitations period that cannot lawfully be shortened.
24. BINDING ARBITRATION AGREEMENT
24.1 Agreement to Arbitrate
Except for matters described in Section 24.5, any dispute, claim, or controversy arising out of or relating to the Services, Content, communications, transactions, insurance-related interactions, or this Agreement shall be resolved exclusively through final and binding individual arbitration.
24.2 Federal Arbitration Act
The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.
24.3 Administrator and Rules
Arbitration shall be administered by the American Arbitration Association under its applicable Consumer Arbitration Rules, as modified by this Agreement. If the American Arbitration Association is unavailable or unwilling to administer the matter, the parties shall agree upon another neutral administrator or request that a court of competent jurisdiction appoint one.
24.4 Location and Method
Unless the parties agree otherwise or applicable arbitration rules require another procedure, arbitration shall be conducted in Frakes, Kentucky. The arbitrator may permit proceedings by telephone, videoconference, written submission, or another reasonably accessible method.
24.5 Exceptions
Either party may:
Bring an eligible individual action in small claims court.
Seek temporary or preliminary injunctive relief from a court to prevent actual or threatened infringement, misuse, or misappropriation of intellectual property or confidential information.
Report concerns to or cooperate with a governmental or regulatory authority.
Pursue any remedy that applicable law expressly prohibits from being subject to arbitration.
24.6 Arbitrator’s Authority
The arbitrator shall have authority to resolve disputes concerning the interpretation, applicability, enforceability, or formation of this Agreement, except that a court of competent jurisdiction shall decide disputes concerning the enforceability of the class-action waiver.
The arbitrator may award relief available under applicable law on an individual basis but may not award relief for or against anyone who is not a party to the arbitration.
24.7 Fees
Arbitration fees shall be allocated under the administrator’s applicable consumer rules and governing law. Each party shall bear its own attorneys’ fees unless a statute, rule, or arbitral award provides otherwise.
24.8 Written Decision
The arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions.
24.9 Opt-Out Right
You may opt out of this arbitration agreement by sending a written notice to [email protected] within thirty days after first accepting these Terms. The notice must state your full name, the email address and telephone number associated with your use of the Services, and an unequivocal statement that you opt out of arbitration. Opting out of arbitration will not affect the remaining provisions of this Agreement.
25. WAIVER OF JURY TRIAL
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THIS AGREEMENT.
26. CLASS ACTION WAIVER
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL DISPUTES MUST BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY.
NEITHER PARTY MAY BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, MASS, PRIVATE-ATTORNEY-GENERAL, OR REPRESENTATIVE ACTION OR ARBITRATION. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MULTIPLE PERSONS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING WITHOUT THE WRITTEN CONSENT OF ALL AFFECTED PARTIES.
If a final judicial determination holds that this waiver is unenforceable as to a particular claim or requested remedy, that claim or remedy shall proceed in a court of competent jurisdiction after all arbitrable matters have been completed, unless applicable law requires otherwise.
27. GOVERNING LAW AND VENUE
27.1 Governing Law
This Agreement shall be governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-laws principles, except that the Federal Arbitration Act governs the arbitration provisions.
27.2 Judicial Venue
For disputes not subject to arbitration, the parties consent to exclusive jurisdiction and venue in the state or federal courts with jurisdiction over Frakes, Kentucky, except where applicable law requires otherwise.
28. FORCE MAJEURE
The Company shall not be liable for delay, interruption, or failure caused by events beyond its reasonable control, including natural disasters, severe weather, fire, flood, epidemic, pandemic, war, terrorism, civil disturbance, labor disruption, utility failure, telecommunications failure, platform outage, cyberattack, governmental action, carrier interruption, or failure of third-party services.
29. MODIFICATION OF TERMS
29.1 Right to Modify
The Company may revise these Terms from time to time to reflect changes in Services, business practices, technologies, or legal requirements.
29.2 Notice
Updated Terms will be posted with a revised “Last Updated” date. Material changes may also be communicated through email, website notice, or another reasonable method when required by law.
29.3 Prospective Application
Changes shall apply prospectively from their effective date unless applicable law permits otherwise. Your continued use of the Services after revised Terms become effective constitutes acceptance of those revised Terms.
29.4 Arbitration Changes
Material changes to the arbitration provisions will not apply to a dispute for which the Company received a complete written notice before the effective date of the change.
30. SEVERABILITY
If any provision of this Agreement is held invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted and severed only to the minimum extent necessary. The remaining provisions shall remain in full force and effect.
31. WAIVER
A failure or delay in exercising any right or enforcing any provision does not constitute a waiver. Any waiver must be express and in writing. A waiver on one occasion does not constitute a waiver on any other occasion.
32. ASSIGNMENT
You may not assign or transfer this Agreement without the Company’s prior written consent. The Company may assign or transfer this Agreement in connection with a business reorganization, sale, transfer of assets, succession, or operation of law, subject to applicable legal requirements.
33. NO THIRD-PARTY BENEFICIARIES
Except for parties expressly entitled to indemnification or liability protection under this Agreement, no person or entity is an intended third-party beneficiary.
34. INTERPRETATION
Headings are for convenience only and do not limit any provision. “Including” means “including without limitation.” Singular terms include the plural where appropriate. Any ambiguity shall not automatically be construed against the drafter.
35. ENTIRE AGREEMENT
This Agreement, together with applicable privacy notices, purchase terms, carrier documents, consent disclosures, and other terms expressly incorporated by reference, constitutes the entire agreement between you and the Company concerning the Services and supersedes prior or contemporaneous communications concerning the same subject matter.
Insurance applications, policies, carrier disclosures, and related documents remain separately binding according to their terms. If this Agreement conflicts with an issued insurance policy concerning insurance coverage, the issued policy controls.
36. CONTACT INFORMATION
Questions, notices, consent revocations, and other communications concerning these Terms may be directed to:
Elizabeth Lovett
Doing Business As Lovett Insurance Solutions
Frakes, Kentucky
Email: [email protected]
Phone: (806) 789-3579
37. ACKNOWLEDGMENT
BY ACCESSING OR USING THIS WEBSITE OR SUBMITTING INFORMATION THROUGH IT, YOU ACKNOWLEDGE THAT:
YOU HAVE READ AND UNDERSTOOD THIS AGREEMENT.
YOU HAVE HAD THE OPPORTUNITY TO REVIEW IT BEFORE ACCEPTANCE.
YOU AGREE TO BE LEGALLY BOUND BY ITS TERMS.
YOU UNDERSTAND THAT GENERAL CONTENT IS NOT LEGAL, TAX, INVESTMENT, FIDUCIARY, MEDICAL, OR ACCOUNTING ADVICE.
YOU UNDERSTAND THAT INSURANCE COVERAGE IS SUBJECT TO CARRIER APPROVAL, UNDERWRITING, POLICY TERMS, AND APPLICABLE LAW.
YOU UNDERSTAND THAT MARKETING CONSENT IS NOT A CONDITION OF PURCHASE.
YOU UNDERSTAND THE ARBITRATION AGREEMENT, JURY-TRIAL WAIVER, AND CLASS-ACTION WAIVER CONTAINED IN THESE TERMS.