Terms of Service & Disclosures

Terms of Service

By accessing and using SecureNest ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Service
• Use the Service to transmit any harmful code or malware
• Impersonate any person or entity
• Use automated means to access the Service without permission

Educational Content

All content provided on SecureNest is for educational and informational purposes only. While we strive to provide accurate and up-to-date information, we make no warranties about the completeness, reliability, or accuracy of this information. Any reliance you place on such information is strictly at your own risk.

Coverage Recommendations

The coverage recommendations provided by our tools are estimates based on the information you provide and general financial planning guidelines. They are:

• Not guarantees of coverage availability, pricing, or suitability
• Not insurance quotes — actual premiums are determined by carriers
• Not personalized advice — consult licensed professionals
• Subject to change — individual circumstances vary widely

Final coverage decisions should always be made with a licensed insurance professional who can assess your complete financial picture.

Health & Medical Disclaimer

SecureNest does not provide medical advice, diagnoses, or health assessments. Any general questions about health status in our tools are used solely for educational estimates and are not medical evaluations. Insurance underwriting involves detailed health assessments conducted by insurance carriers. We do not have access to or evaluate your medical history. For health-related questions, consult a qualified healthcare provider.

Third-Party Links

Our Service may contain links to third-party websites or services, including our partner providers. We are not responsible for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Limitation of Liability

To the maximum extent permitted by law, SecureNest 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 Service.

Indemnification

You agree to indemnify and hold harmless SecureNest and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the Service or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on this page. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Contact

For questions about these Terms, please contact us at legal@securenest.life.