Terms of Service

1. Agreement to Terms

By accessing or using the website operated by SquareStone Protection Group LLC ("Company," "we," "us," or "our") at squarestoneprotectiongroup.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you should not use our Site or services.

2. Description of Services

SquareStone Protection Group LLC is a licensed insurance agency that provides insurance-related services including, but not limited to, information about life insurance, final expense insurance, health insurance, and Medicare plans. Our website provides general information about our services, allows you to contact us, and offers the opportunity to subscribe to our communications (SMS and email).

The information on our website is for general informational purposes only and does not constitute insurance advice. All insurance products are subject to the terms, conditions, limitations, and exclusions of the specific policy issued.

3. Eligibility

You must be at least 18 years of age to use our Site and services. By using our Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

4. User Responsibilities

When using our Site and services, you agree to:

• Provide accurate and truthful information when submitting forms or contacting us
• Use the Site only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with the proper functioning of the Site
• Not impersonate any person or entity or misrepresent your affiliation
• Not use automated systems or software to extract data from the Site

5. SMS & Email Communications

Our website offers the option to subscribe to SMS and/or email communications. Both are entirely voluntary and are not required to use our services or purchase any product. If you choose to opt in, the following applies:

• SMS communications are governed by our SMS Terms & Conditions, which are incorporated into these Terms by reference
• Opting in to SMS or email is not a condition of purchasing any product, service, or obtaining any quote. You may use our services without subscribing to any communications
• You may opt out of SMS messages at any time by replying STOP to any message you receive from us
• You may opt out of email communications at any time by clicking the unsubscribe link in any email
• Message and data rates may apply for SMS messages
• We will never sell, share, or provide your phone number, SMS consent data, or mobile information to third parties or affiliates for marketing or promotional purposes

Your personal data and communications are also governed by our Privacy Policy.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of SquareStone Protection Group LLC or its content suppliers and is protected by United States copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

7. Disclaimers

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• That the Site will be uninterrupted, timely, secure, or error-free
• That the information on the Site is accurate, complete, or current

We do not guarantee the availability, rates, or coverage of any insurance product described on our Site. All insurance products are subject to underwriting approval and the terms of the issuing carrier.

8. Limitation of Liability

To the maximum extent permitted by applicable law, SquareStone Protection Group LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Site or services.

9. Indemnification

You agree to indemnify, defend, and hold harmless SquareStone Protection Group LLC and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Mexico, United States of America, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Bernalillo County, New Mexico.

11. Severability

If any provision of these Terms is held to be unenforceable or invalid, that provision will be enforced to the maximum extent possible and the remaining provisions will remain in full force and effect.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.