Terms of use

Last Update: June 13, 2025

Welcome to Life Secure Now, located at https://lifesecurenow.com. Our digital platform delivers trusted insights, professionally researched content, and carefully curated resources about the U.S. insurance industry. Our mission is to empower individuals with accessible, fact-based information to help them navigate the complexities of health, auto, home, life, and other types of insurance within the United States.

This website is independently operated and maintained by Life Secure Now editorial team. Every guide, article, and update published on our platform is the result of thorough research, fact-checking, and editorial integrity. By accessing or using Life Secure Now, you agree to adhere to the terms, policies, and content usage guidelines outlined herein. The terms “we,” “our,” and “us” refer specifically to Life Secure Now.

As a dedicated source of insurance-related knowledge, Life Secure Now publishes comprehensive content about how insurance works, how to compare policies, understand coverage terms, manage claims, and select plans that meet your needs. We also feature reviews of products and services, highlight market trends, and share helpful tips. However, we do not sell insurance, underwrite policies, offer financial products, or act as brokers or agents. Our goal is strictly to inform and educate, helping consumers make better-informed decisions.

This platform is designed to serve a wide audience—from individuals new to insurance concepts to experienced policyholders seeking clarity on specific coverage options or processes. Whether you’re learning how to choose a health plan, understand life insurance, file a claim, or compare auto insurance quotes, Life Secure Now provides straightforward, unbiased guidance to support your decision-making.

We are also committed to respecting and protecting your privacy. For details on how we collect, use, and safeguard your personal data, please review our Privacy Policy, available at https://lifesecurenow.com/privacy/. Our practices comply with applicable privacy laws and are designed to ensure transparency and security for all users.

These Terms of Use define the rights, responsibilities, disclaimers, and limitations that apply to both Life Secure Now and its users. We strongly encourage all visitors to review this document in full before using our services or relying on our content.

BY USING THIS WEBSITE, YOU ACCEPT AND AGREE TO COMPLY WITH THESE TERMS OF USE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF Life Secure Now.

Article I – User Agreement

1.1 By accessing Life Secure Now platform at https://lifesecurenow.com, you acknowledge that you have carefully read, fully understood, and expressly agreed to be bound by our Terms of Use and Privacy Policy. These documents serve as the legal foundation that governs your access to and use of the content, services, and features made available by Life Secure Now.

1.2 By using this website, you also confirm that you meet all legal criteria to enter into binding agreements and are at least 18 years of age. Your continued use of Life Secure Now constitutes your clear and voluntary acceptance of the terms, guidelines, and conditions that apply to this platform.

1.3 If you do not meet the eligibility criteria or do not agree with any part of our Terms of Use or Privacy Policy, you must discontinue use of Life Secure Now website and any associated services, features, or resources immediately.

Article II – Communication and Support

2.1 Life Secure Now provides official communication channels to help users seek assistance, provide feedback, or submit questions related to the platform’s informational content.

2.2 If you need support, wish to report an issue, or have suggestions for improvement, we encourage you to contact us directly via our official contact form at https://lifesecurenow.com/contact. This method ensures your message is directed to the appropriate team and allows us to provide a timely and accurate response.

Article III – User and Platform Responsibilities

3.1 All individuals who choose to use Life Secure Now platform must acknowledge and accept our Terms of Use and Privacy Policy prior to continued access. It is the sole responsibility of each user to read and understand these documents and to remain in full compliance with all applicable terms while interacting with any part of Life Secure Now website and its related services.

3.2 Life Secure Now may contain links to third-party websites, resources, or service providers that offer additional information or tools related to insurance products and services. These external links are provided purely for convenience and informational purposes. We do not own, manage, endorse, sponsor, or have any formal affiliation with the content, services, or offerings provided by these third-party sites.

3.3 Users who choose to access, interact with, or make use of third-party websites or services linked through Life Secure Now do so entirely at their own discretion. Before engaging with these external platforms, users are strongly encouraged to review the respective terms of service, privacy policies, and security measures implemented by those entities.

3.4 Life Secure Now assumes no responsibility or liability for the operations, content, data handling practices, or terms of use found on any third-party site. We are not involved in any transaction, agreement, or communication that may occur between users and external platforms. Any such engagement is entirely at the user’s own risk.

3.5 It is each user’s responsibility to secure their own devices, accounts, and personal data against threats such as malware, phishing schemes, spyware, and other forms of cyberattack. Life Secure Now cannot be held liable for any damages, breaches, or losses caused by software vulnerabilities, malicious links, or third-party activity outside our direct control.

3.6 While we strive to ensure that Life Secure Now remains a secure and reliable platform, we cannot guarantee uninterrupted access or full immunity from potential disruptions, including but not limited to system outages, denial-of-service attacks, or unplanned technical issues. We are not responsible for any inconvenience, data loss, or damages that may result from such events.

3.7 Life Secure Now does not charge users any fees to access our website, browse, or view informational content. We do not request donations, offer premium subscriptions, or collect payments in any form. Any request for money claiming to come from Life Secure Now should be treated as fraudulent and reported to us immediately for investigation.

3.8 To reduce your risk of falling victim to phishing, impersonation scams, or fraudulent emails, we urge users to exercise caution when receiving unexpected communications. Do not open unknown attachments or click on suspicious links. If you receive a message that appears to be from Life Secure Now but seems questionable, please report it directly through our contact form at https://lifesecurenow.com/contact, so our team can verify and respond accordingly.

Article IV – Prohibited Conduct

To maintain a secure, respectful, and professional environment for all users, Life Secure Now strictly prohibits the following actions and behaviors across its platform:

Engagement in Unlawful Activity

Users must not use Life Secure Now to plan, promote, or engage in any illegal conduct, whether directly or indirectly. The platform may not be used to facilitate or encourage unlawful behavior of any kind.

Breach of Applicable Laws and Regulations

All individuals using Life Secure Now are required to comply with local, state, federal, and international laws. Violations of legal standards while interacting with our content or services are taken seriously and will be addressed accordingly.

Violation of Intellectual Property Rights

Life Secure Now content is protected by intellectual property laws. Users may not reproduce, modify, publish, or distribute any material from the platform without explicit permission. This includes copyrighted articles, branded visuals, and proprietary research.

Harassment, Discrimination, and Defamatory Speech

We do not tolerate any form of harassment, abuse, or hate speech on our platform. This includes targeting individuals or groups based on race, gender, religion, nationality, sexual orientation, disability, or any other identity characteristic. Defamatory, abusive, or threatening language is equally forbidden.

Distribution of False or Misleading Information

Users may not share or promote intentionally misleading content. All interactions on Life Secure Now—whether comments, messages, or submissions—must reflect a good-faith effort to be truthful and accurate.

Introduction of Malicious Code or Harmful Software

It is strictly forbidden to upload, link to, or distribute any form of malware, viruses, spyware, ransomware, or unauthorized tracking tools. Such activity will result in immediate action, including removal from the platform and possible legal consequences.

Misuse of Personal Data

Collecting, storing, or sharing another individual’s personal information without explicit consent is not allowed. All users are expected to follow data privacy regulations and ethical guidelines in every interaction.

Fraudulent, Deceptive, or Impersonation Activity

Acts such as identity theft, impersonating other individuals or organizations, phishing, creating fake profiles, or submitting misleading requests or applications are strictly prohibited.

Posting of Obscene, Graphic, or Inappropriate Content

Users must not publish material that includes explicit sexual content, extreme violence, or other offensive subject matter that violates community standards or is deemed inappropriate for a professional environment.

Tampering with Platform Security or Functionality

Attempts to hack, reverse-engineer, disable, or circumvent Life Secure Now’ security features or infrastructure are expressly forbidden. Unauthorized access to our systems will be treated as a serious violation.

Violating any of the conduct guidelines above may result in temporary suspension or permanent removal from Life Secure Now’ services. In cases involving significant risk or illegality, Life Secure Now reserves the right to notify relevant legal authorities and pursue legal action when appropriate.

Article V – Disclaimer of Warranties and Limitation of Liability

At Life Secure Now, we strive to offer a reliable, informative, and thoughtfully curated experience across all content areas featured on our platform. While we make every effort to keep our materials accurate and current, we cannot guarantee that our site will be entirely free of technical issues, access delays, or occasional errors.

All information, tools, and resources provided on Life Secure Now are offered without any express or implied warranties. This includes, but is not limited to, guarantees regarding the accuracy, completeness, usefulness, or performance of the content we publish. While we take quality seriously, Life Secure Now cannot be held responsible for any personal, financial, legal, or other decisions made based on our content.

We reserve the right to change, suspend, restrict, or discontinue any part of our platform at any time, with or without notice. This includes the removal or modification of categories, tools, features, or content areas for any reason we deem necessary.

By using Life Secure Now, you acknowledge that your access and interaction with the platform is done voluntarily and at your own risk. All materials are provided strictly “as is” and “as available.” The following disclaimers apply to the full extent permitted by law:

• We do not guarantee that our content will meet your specific expectations, needs, or intended use.
• We make no warranties that the site will be available at all times or free of bugs, delays, or interruptions.
• We do not guarantee that our content will always reflect the most current changes in insurance laws, regulations, industry policies, or financial guidelines relevant to the U.S. insurance market.
• We are not responsible for the behavior, availability, or accuracy of any third-party websites, tools, or services we may reference.
• We disclaim any endorsement or responsibility for outcomes associated with external links, companies, applications, or platforms mentioned on Life Secure Now.

Life Secure Now, including its editorial team, contributors, licensors, service providers, and affiliates, shall not be held liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use our platform. This includes, but is not limited to:

• Loss of personal data, time, or productivity caused by reliance on our content or linked tools.
• Technical issues, system errors, or access problems beyond our control.
• Expenses related to switching insurance providers, reassessing coverage decisions, or acting upon misinterpretations of information obtained from our website.
• Reputational, legal, or financial consequences related to your use of information, recommendations, or comparisons featured on Life Secure Now.

These disclaimers apply regardless of the type of claim or whether Life Secure Now was advised of the possibility of such outcomes.

By continuing to access and engage with Life Secure Now, you agree to these terms and fully understand that we assume no liability for decisions, results, or complications stemming from the use or interpretation of our materials.

Article VI – Duration and Legal Timeframe

All terms outlined in Life Secure Now’ Terms of Use remain legally binding and in full effect for the duration of any user’s engagement with our platform. These provisions apply continuously and are not limited to a single session or type of interaction. They shall remain enforceable unless Life Secure Now formally updates, amends, or revokes them through an official notice or published revision on https://lifesecurenow.com.

In the event of a dispute, complaint, or legal concern related to your use of Life Secure Now—including matters involving our Privacy Policy—users must initiate any formal claim or legal action within 90 calendar days from the date the issue first occurred. Claims submitted after this period may be considered ineligible under the applicable legal framework and dismissed as untimely.

This timeframe is designed to encourage prompt reporting and resolution of issues while relevant details remain current, reliable, and verifiable, thereby promoting a more efficient and fair handling of any dispute.

Article VII – Governing Law and Jurisdiction

The interpretation, enforcement, and continued validity of Life Secure Now’ Terms of Use and Privacy Policy shall be governed by applicable federal statutes of the United States and state-level laws relevant to digital content platforms, consumer protection, and online data handling.

Any dispute, lawsuit, or legal proceeding arising from a user’s interaction with Life Secure Now shall fall under the exclusive jurisdiction of the competent courts authorized to oversee such matters within the appropriate legal territory.

By using Life Secure Now, you expressly agree that any legal claims or proceedings will be resolved in accordance with these governing laws. You further acknowledge that all jurisdictional matters related to Life Secure Now will be subject to the legal structure regulating digital services and online informational platforms in the United States.

Article VIII – Intellectual Property and Content Ownership

8.1 Content Ownership and Rights

All original materials published on Life Secure Now—including written articles, data insights, graphics, icons, logos, design elements, custom functionalities, videos, trademarks, and brand identifiers—are protected by applicable intellectual property laws. These assets are the sole property of Life Secure Now or its officially licensed contributors.

Unauthorized use of any part of the platform’s content—including copying, editing, translating, broadcasting, distributing, displaying, or otherwise reproducing any materials without prior written permission—is strictly prohibited.

8.2 Limitation of Liability

Life Secure Now is not responsible for the accuracy, intent, or impact of any third-party or user-generated content that may appear or be referenced on the platform. This includes, but is not limited to, external comments, embedded media, outbound links, or associated discussions.

Users acknowledge that any reliance on such content is done entirely at their own discretion and risk. Life Secure Now disclaims all liability for damages, misinformation, or losses—whether direct, indirect, incidental, or consequential—resulting from interactions with third-party materials.

8.3 Handling Content Violations

Life Secure Now reserves the unrestricted right to review, remove, restrict, or block any content deemed to violate platform policies or legal obligations. This includes material considered misleading, unlawful, plagiarized, offensive, defamatory, or otherwise inappropriate.

Actions may include removal of content, temporary user suspension, or permanent revocation of access to the platform. Repeat or serious violations may lead to formal reporting or further legal action when applicable.

Article IX – Changes to Terms and Conditions

Life Secure Now retains full authority to revise, modify, update, or discontinue any section of its Terms of Use, Privacy Policy, or platform services at any time and without prior notice. These revisions may reflect changes in legal standards, updates to feature functionality, operational decisions, or broader platform restructuring.

It is each user’s responsibility to periodically review our Terms to remain informed of updates. By continuing to access or use Life Secure Now after changes are implemented, users explicitly agree to the revised terms and conditions.

Life Secure Now will not be held liable for any inconvenience, lost data, user dissatisfaction, or service interruption that may result from such updates, feature removals, or full or partial discontinuation of services.

If you do not agree with any updates to the Terms or changes to the platform, you are required to discontinue all use of Life Secure Now and its associated services immediately.

Article X – Contact Information

If you have questions about these Terms, need assistance with platform functionality, or would like to provide general feedback regarding Life Secure Now, we encourage you to reach out via our official contact page:

📌 https://lifesecurenow.com/contact

We welcome inquiries, support requests, error reports, and constructive suggestions. While we aim to address all communications in a timely and respectful manner, response times may vary based on the complexity and nature of your request.