Terms of Service

These Terms of Service ("Terms") govern your use of the Family Guards website (the "Site") and our services. By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. About Family Guards

Family Guards is an insurance referral and lead-generation service. We do not underwrite or issue insurance policies. Policies are issued by third-party, A-rated insurance carriers. We may receive compensation when you are connected with a licensed agent or when a policy is issued.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use this Site and request quotes.

3. Quotes and Rates

Any rates, sample prices, or estimates shown on the Site are illustrative and do not constitute a binding offer of insurance. Actual rates depend on factors including your age, health, tobacco use, state of residence, and the specific carrier's underwriting decision. Rates are subject to change without notice.

4. No Insurance Advice

Information on the Site is provided for general informational purposes only and should not be construed as insurance, financial, tax, or legal advice. You should consult a licensed professional before making decisions about coverage.

5. Use of the Site

You agree not to:

• Use the Site for any unlawful purpose.
• Submit false, misleading, or fraudulent information through the quote quiz or any other form.
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site, our servers, or any related systems.
• Use any automated means (bots, scrapers) to access the Site without our written permission.

6. Communications Consent

By submitting your information, you consent to be contacted by Family Guards and our partner licensed insurance agents by phone, email, and text message, including via automated technology. Consent is not a condition of purchase. You may opt out at any time.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and software, is the property of Family Guards or its licensors and is protected by copyright and other intellectual property laws. You may not copy, reproduce, or redistribute any content without our written permission.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or services of any third parties.

9. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, Family Guards disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, Family Guards and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or any services provided.

11. Indemnification

You agree to indemnify and hold harmless Family Guards and its affiliates from any claims, damages, or expenses arising from your use of the Site or your violation of these Terms.

12. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted here with a new "Last updated" date. Continued use of the Site after any changes constitutes your acceptance of the new Terms.

13. Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles.

14. Contact Us

If you have questions about these Terms, please contact us at the email address listed on our website.