Terms of Service

1. Acceptance of Terms

By accessing and using Family First Benefits's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Family First Benefits provides insurance brokerage services, including but not limited to:

• Mortgage protection insurance quotes and applications
• Insurance product information and education
• Customer support and service
• Claims assistance and processing

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Respect intellectual property rights
• Comply with all applicable laws and regulations

4. Insurance Products and Coverage

All insurance products are subject to:

• Underwriting approval by the insurance carrier
• Policy terms and conditions
• State-specific regulations and requirements
• Premium payment and policy maintenance

5. Limitation of Liability

Family First Benefits shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

6. Disclaimer of Warranties

The service is provided on an "AS IS" and "AS AVAILABLE" basis. Family First Benefits expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices.

8. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of Family First Benefits and its licensors. The service is protected by copyright, trademark, and other laws.

9. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

10. Governing Law

These Terms shall be interpreted and governed by the laws of the United States and the state in which Family First Benefits is licensed, without regard to its conflict of law provisions.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

12. Contact Information

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