TERMS AND CONDITIONS OF USE

1 Key Life Insurance Solutions

Last Updated: March 11, 2026

These Terms and Conditions (hereinafter, the "Terms") constitute a legally binding agreement between the user (hereinafter, "You" or the "User") and 1 Key Life Insurance Solutions (hereinafter, "the Company," "We," "Us," or "1 Key Life"). By accessing, browsing, or interacting with this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

1. SCOPE OF SERVICES & INTERMEDIARY DISCLOSURE

1 Key Life Insurance Solutions operates as a duly authorized independent insurance agency and intermediary.

Intermediary Role: The Company is not an insurance underwriting carrier. Our role is to facilitate the connection between the User and third-party insurance providers ("Carriers").
Coverage Approval: All insurance applications are subject to the Carrier’s specific underwriting guidelines, risk assessment, and final approval. The Company does not guarantee the issuance of policies, specific premium rates, or coverage until a formal contract is executed by the Carrier.

2. EXPRESS CONSENT FOR COMMUNICATIONS (TCPA COMPLIANCE)

In accordance with the Telephone Consumer Protection Act (TCPA) and related regulations:

Authorization: By submitting your contact information through our web forms, you provide your prior express written consent to receive commercial communications, alerts, and follow-ups via:
- Automated or pre-recorded voice calls.
- Text messages (SMS/MMS).
- WhatsApp notifications.
- Email.
Automated Systems: You acknowledge that these communications may be generated using automated telephone dialing systems (ATDS).
Right to Revoke: Consent is not a condition of purchase. You may opt-out of receiving communications at any time by contacting info@onekeylifeinsurancesolutions.com or by calling +1 855-600-3939.

3. NO PROFESSIONAL ADVICE

The content provided on this website is for informational purposes only.

No Legal or Tax Advice: Nothing contained herein shall be construed as legal, accounting, or financial advice.
User Responsibility: Tax implications of life insurance and financial planning vary by jurisdiction and individual circumstances. We strongly recommend consulting with a certified professional advisor before entering into any contract.

4. INTELLECTUAL PROPERTY & RESTRICTED USE

All digital assets of 1 Key Life Insurance Solutions, including but not limited to logos, text, graphics, data structures, and software, are protected intellectual property.

Prohibitions: Data scraping, extraction, unauthorized reproduction, or reverse engineering of any component of this site is strictly prohibited without express written consent from the Company.

5. LIMITATION OF LIABILITY (DISCLAIMER)

To the maximum extent permitted by law, the Company, its directors, and employees shall be exempt from any liability for:

Technical Failures: Service interruptions, data loss, or cyber-attacks.
Inaccuracies: Typographical errors or pending updates regarding third-party product rates or benefits.
User Decisions: Any damages resulting from decisions made based solely on the informational content of this website.

6. INDEMNIFICATION

The User agrees to defend, indemnify, and hold harmless 1 Key Life Insurance Solutions against any claims, damages, costs, or expenses (including reasonable attorney fees) arising from the User's misuse of the website or violation of these Terms.

7. GOVERNING LAW & JURISDICTION

This agreement shall be governed by and construed in accordance with the laws of the United States of America. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in the Company’s principal place of business.