Life Story Insurance (dba FC Insurance) Terms & Conditions of Use

Effective Date: August 1, 2025

Thank you for visiting FidelityLifeinsurance.com (the “Website,” “Site,” or “App”), operated by Life Story Insurance Agency, LLC (“Life Story Insurance,” “FC Insurance”, “we,” “us,” or “our”). These Terms & Conditions of Use (the “Terms”) govern your access to and use of the Site and the services available through it (collectively, the “Services”).

By accessing or using the Site or Services, you agree to be bound by these Terms. You represent and warrant that you are at least 18 years of age. If you do not agree to these Terms, in whole or in part, do not use the Site or Services.

We reserve the right to update these Terms at any time. Please check this page periodically, as your continued use of the Site or Services constitutes acceptance of any revised terms.

1. Services Overview

The Services provided via the Site include:

• Access to free informational tools, insurance quote estimates, financial product guidance, and recommendations.
• Advertisements and marketing from third-party insurers and brokers via email, text, phone, or other channels.
• The opportunity to receive formal insurance quotes, submit applications, and purchase first- or third-party insurance products.

Important Notes:

• All quotes and quote ranges are non-binding. Final premiums are determined by the underwriting carrier.
• Product availability varies by state and individual circumstances.
• Third-party products are governed by their respective insurer’s policy terms.
• Additional terms or agreements may apply to specific Services or transactions.

2. User Conduct

By using this Site, you agree not to engage in any of the following activities:

• Violating any law or regulation.
• Transmitting harmful code, viruses, or destructive content.
• Harassing, impersonating, or threatening others.
• Interfering with the operation of the Site or its Services.
• Sending spam or unauthorized promotional content.
• Reverse-engineering, scraping, or copying the Site’s source code.
• Overloading the Site with automated requests (bots, crawlers, etc.).

3. Intellectual Property

All content on this Site—text, graphics, logos, images, software, and layouts—is the exclusive property of Life Story Insurance or its licensors (collectively, the “Content”) and is protected by U.S. and international copyright and trademark laws.

You may not:

• Copy, reproduce, modify, or distribute any Content without written consent.
• Use our trademarks, logos, or service marks without authorization.
• Remove copyright notices or use Content for commercial purposes.

4. Unsolicited Submissions

If you submit feedback, ideas, or other unsolicited content (“Unsolicited Information”), it will be treated as non-confidential and non-proprietary, and becomes the sole property of Life Story Insurance. We may use or distribute this content without obligation or compensation.

However, any personally identifiable information you submit is governed by our Privacy Policy, which is incorporated herein by reference.

5. Collection & Use of Information

Your use of the Services may transmit personal information. The collection, use, and disclosure of such data is governed by our Privacy Policy. By using the Site, you acknowledge and agree to our data practices.

We may disclose information to law enforcement or third parties if required by law or in connection with investigations into illegal activity.

6. Disclaimer of Warranties

The Site, Services, and Content are provided "as is" and "as available", without warranties of any kind. To the fullest extent permitted by law, we disclaim:

• All express or implied warranties, including merchantability or fitness for a particular purpose.
• Any guarantee of availability, reliability, or error-free operation.

We do not guarantee that any insurance quote or recommendation is accurate or that any policy offered by third parties will meet your expectations.

7. Limitation of Liability

To the fullest extent permitted by law:

• We are not liable for any indirect, incidental, punitive, or consequential damages, including loss of profits or data.
• Our maximum aggregate liability arising from your use of the Site or Services shall not exceed any amount you have paid (if any) to us for accessing the Services.

Your sole and exclusive remedy for dissatisfaction is to discontinue use of the Site.

8. External Sites

Our Site may link to third-party websites ("External Sites"), such as insurance carrier websites or social media platforms. We do not control or endorse these External Sites and are not responsible for their content, privacy practices, or terms.

Your use of External Sites is at your own risk and is subject to those sites’ own policies and terms.

9. Indemnification

You agree to defend, indemnify, and hold harmless Life Story Insurance and its officers, directors, employees, and affiliates from any claims, liabilities, damages, or expenses (including legal fees) arising from:

• Your use or misuse of the Site or Services.
• Your violation of these Terms.
• Your infringement of any third-party rights.

10. Termination

We reserve the right to terminate your access to the Site or Services at any time, with or without cause or notice. We may also modify, suspend, or discontinue the Site or any portion thereof at our discretion.

11. Miscellaneous

• If any provision of these Terms is deemed unenforceable, the remainder shall remain valid and enforceable.
• These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.
• You agree that any dispute shall be resolved exclusively in the state or federal courts located in Dallas County, Texas.
• These Terms constitute the entire agreement between you and Life Story Insurance and supersede any prior agreements regarding the subject matter.
• No waiver of any term shall be deemed a further or continuing waiver of any other term.

Contact Information

If you have questions about these Terms, please contact: privacy@lifestoryinsurance.com

Life Story Insurance Agency, LLC

3400 N Central Expy

Suite #110-330

Richardson, TX 75080