Terms of Use

Agreement to these terms

TermQuoteDirect.com is operated by Brian Dempsey (“TermQuoteDirect,” “we,” “us”). By using this website you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the website.

What this website is

TermQuoteDirect.com provides general information about term life insurance and a way to start a life insurance quote online. Information on this website is not an offer of insurance and does not create an insurance contract.

Quotes, applications and policies are provided through Ethos Technologies Inc. and its affiliates (“Ethos”) and issued by the insurance companies Ethos works with. They are subject to the terms of Ethos and of the issuing insurance company, including eligibility, underwriting requirements, policy terms, limitations and exclusions. Availability and product features may vary by state. A quote is an estimate; coverage begins only if a policy is approved and issued according to its terms.

No professional advice

The content of this website is general information. It is not legal, tax or other professional advice and does not take your individual circumstances into account. For questions about your situation, contact us or a qualified professional.

Third-party websites and tools

This website includes and links to tools and pages operated by third parties, including Ethos. We are not responsible for the content, terms or privacy practices of those third parties. Your use of them is governed by their own terms and policies.

Using this website

You agree not to:

• use the website for any unlawful purpose;
• attempt to interfere with the website’s operation or security, or access it by automated means in a way that burdens it;
• copy, reproduce or redistribute the website’s content except for your personal, non-commercial use.

Intellectual property

The text, design, logos and other content of this website belong to us or are used with permission, including photographs licensed from third parties. Ethos and the names of insurance companies are trademarks of their respective owners.

Disclaimer

The website is provided “as is” and “as available,” without warranties of any kind, express or implied. We work to keep the information accurate and current but do not warrant that it is complete, without errors or always available.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special or consequential damages arising from your use of, or inability to use, this website or any third-party tool linked from it.

Governing law

These terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law rules.

Changes to these terms

We may update these Terms of Use from time to time. The “Last updated” date at the top shows when they were last changed. Continued use of the website after a change means you accept the updated terms.

Contact us

Phone: (978) 273-6313
Email: dempsins@msn.com