Terms & Conditions
Effective date: November 3, 2025
Legal owner: Prime Financial Organization (“we,” “us,” “our”)
Website: patriotlifepolicy.com
- Acceptance of Terms
Using this site or applying for coverage means you accept these Terms and our Privacy Policy. If you do not agree, do not use the site. - Who We Serve
You must be 18+ and legally able to contract in your state. Products may not be available in all states. - Products and Quotes
Site content is informational, not advice. Quotes are estimates, not guarantees or offers of coverage. Final eligibility, rates, and benefits depend on underwriting. - Applications and Underwriting
You agree that all information you submit is accurate and complete. We may verify data with third parties you authorize. We may approve, modify, or decline applications per our guidelines and law. - E-Sign and E-Delivery Consent
You consent to receive documents electronically and to sign electronically. You can withdraw consent by contacting us; doing so may delay service. - Payments, Billing, and Cancellations
If you buy a policy, you authorize us and our processors to charge your selected payment method. Missed payments may lapse coverage after any required grace period. Refunds follow the policy contract and applicable law. - No Brokerage Marketplaces
We do not sell your data or broker your lead to multiple agencies. You work with our team for quotes, underwriting, and service. - No Guarantees or Advice
We do not guarantee any outcome, tax effect, or future insurability. For advice, consult your tax, legal, or financial professional. - Use License
We grant a limited, revocable, non-transferable license to access the site for personal, non-commercial use related to our products. - Prohibited Conduct
No scraping, reverse engineering, automated harvesting, security probing, or misuse of forms or communications features. - Intellectual Property
All site content, trademarks, logos, and software are our property or licensed to us. No rights are granted except as stated here. - User Content
If you submit content or feedback, you grant us a non-exclusive license to use it to operate and improve our services. Do not submit unlawful or infringing content. - Third-Party Links and Tools
Links and integrations (e.g., payment, analytics, form tools) are provided for convenience. We are not responsible for third-party sites or their terms. - Communications Consent (Email/SMS/Calls)
By providing contact information, you consent to receive service and marketing messages from us at the numbers and emails you provide. Text STOP to end SMS. Message and data rates may apply. Consent is not a condition of purchase. - Disclaimers and Limits of Liability
Site and services are provided “as is.” To the maximum extent allowed by law, we disclaim implied warranties. We are not liable for indirect, incidental, special, or consequential damages. Our total liability related to the site is limited to the greater of $100 or the amount you paid to use the site. - Indemnification
You agree to indemnify and hold us harmless from claims arising out of your site use, your content, or your breach of these Terms. - Governing Law and Disputes
These Terms are governed by the laws of Arizona, without regard to conflicts rules. Disputes will be resolved in [County, State] courts or via binding arbitration if required by your policy contract. Class actions and jury trials are waived to the extent permitted by law. - Changes to Terms
We may update these Terms. The “Effective date” will change when we do. Continued use means you accept the new Terms. - Privacy
See our Privacy Policy for how we collect and use data. - Contact
Prime Financial Organization
Scottsdale AZ, USA
support@patriotlifepolicy.com
Regulatory notice: Insurance features, exclusions, and benefits are governed by the actual policy. If these Terms conflict with a policy contract, the policy controls. Not available in all states. Rates and eligibility subject to underwriting.