1. Acceptance of Terms

By accessing or using EFP Life Group's website, services, or applications, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

These Terms constitute a legally binding agreement between you and EFP Life Group, located at 1235 Providence Blvd Ste R Suite 36, Deltona, FL 32738.

2. About Our Services

EFP Life Group provides professional insurance and financial services, including:

• Comprehensive Life Insurance Plans
• Health Insurance Coverage for individuals, families, and businesses
• Retirement planning through infinite banking concepts
• IUL (Indexed Universal Life) Cash Value Life Insurance
• "Be Your Own Bank" financial strategies

3. Permitted Use

You may use our services to:

• Research insurance and financial products
• Request quotes and consultations
• Manage your policies and accounts
• Access educational materials
• Communicate with our agents

4. Prohibited Use

You may not:

• Use our services for illegal purposes
• Violate any applicable laws or regulations
• Transmit harmful code or malware
• Attempt unauthorized access to our systems
• Interfere with our services or other users
• Collect other users' personal information
• Spam, harass, or abuse others
• Impersonate our company or representatives

5. Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information
• Keep your account information updated
• Maintain the security of your login credentials
• Notify us of any unauthorized access
• Accept responsibility for all account activity

6. Privacy and Data Protection

We collect and use your personal information as described in our Privacy Policy. This includes:

• Personal identification information
• Financial information for underwriting
• Health information (with consent)
• Website usage data

We implement security measures to protect your information, but no system is completely secure.

7. Financial Services Disclosures

Insurance Products

All insurance products are subject to policy terms, conditions, and state regulations. Coverage details may vary by state and individual circumstances.

Investment Services

Investment and retirement planning involve risk, including potential loss of principal. Past performance does not guarantee future results.

Licensing

EFP Life Group operates under applicable federal and state insurance regulations. Our agents are licensed in their respective states.

8. Intellectual Property

All content on our website and services is owned by EFP Life Group and protected by copyright and trademark laws. You may not copy, modify, or distribute our content without permission.

9. Disclaimers

We provide our services "as is" without warranties. We cannot guarantee:

• Uninterrupted service availability
• Complete accuracy of all information
• Compatibility with all devices or browsers

We are not responsible for third-party websites linked from our services.

10. Limitation of Liability

To the maximum extent permitted by law, EFP Life Group shall not be liable for any indirect, incidental, or consequential damages. Our total liability shall not exceed the amount you have paid us in the preceding twelve months.

11. Governing Law

These Terms are governed by Florida state law. Any disputes will be resolved through binding arbitration in Volusia County, Florida, according to American Arbitration Association rules.

12. Changes to Terms

We may modify these Terms at any time. Changes will be posted on our website and become effective immediately. Continued use of our services indicates acceptance of modified Terms.

13. Termination

We may terminate your access to our services at any time, with or without cause. Upon termination, your right to use our services ends immediately.