Terms of Service

1. Agreement to Terms

By accessing and using this website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this site. These terms may be updated from time to time, and continued use constitutes acceptance of any changes.

2. Nature of the Website

This website provides general information about life insurance, mortgage protection, and related financial products. The content on this site is for informational and educational purposes only. It is not intended as legal, tax, or financial advice specific to your individual situation.

3. No Offer or Guarantee of Coverage

Nothing on this website constitutes an offer to sell insurance or a guarantee that coverage will be issued. All insurance applications are subject to underwriting review, carrier approval, and applicable state regulations. Policy terms, rates, and availability vary by carrier and are determined during the formal application process.

4. Licensed Brokerage Services

The Integrity Life Group is a licensed life insurance broker affiliated with Symmetry Financial Group. We represent multiple insurance carriers and are compensated by the carriers whose products we sell. We have a fiduciary duty to act in the best interest of our clients when recommending products.

5. Use of the Site

You agree to use this website only for lawful purposes. You may not:

• Use the site in any way that violates applicable federal, state, or local laws.
• Attempt to gain unauthorized access to any portion of the site or its systems.
• Interfere with or disrupt the operation of the site or any networks connected to it.
• Copy, reproduce, distribute, or create derivative works from site content without permission.
• Submit false or misleading information through any form on the site.

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of The Integrity Life Group or its licensors and is protected by copyright and trademark laws. You may view and print content for personal, non-commercial use only.

7. External Links

This website may contain links to third-party websites, including insurance carriers and Symmetry Financial Group resources. We do not control and are not responsible for the content, accuracy, or practices of these external sites. Following a link is at your own risk.

8. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or harmful components. We disclaim all warranties to the fullest extent permitted by law.

9. Limitation of Liability

To the maximum extent permitted by law, The Integrity Life Group, its owners, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of this website or reliance on any information contained herein. This includes but is not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all damages exceed the amount you paid, if any, for accessing this site.

10. Indemnification

You agree to indemnify and hold harmless The Integrity Life Group, its owners, representatives, and affiliates from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising from your use of this website or violation of these terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which The Integrity Life Group is principally operated, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts of that jurisdiction.

12. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Material changes will be posted on this page with an updated effective date. Your continued use of the site after changes are posted constitutes acceptance of the revised terms.

13. Contact Information

If you have questions about these Terms of Service, please contact us at: info@theintegritylife.com