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.

12. LEGAL DISPUTES

• YOU AND FIDELITY LIFE AGREE TO GIVE UP ANY RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS ACCESS TO DISCOVERY, ALSO MAY BE UNAVAILABLE OR LIMITED IN ARBITRATION.
• Any dispute between you and Fidelity Life its agents, employees, officers, directors, principals, successors, assigns, subsidiaries or affiliates (collectively for purposes of this section, “Fidelity Life”) arising from or relating to these Terms of Use and their interpretation or the breach, termination or validity thereof, the relationships which result from these Terms of Use, including disputes about the validity, scope or enforceability of this arbitration provision (collectively, “Covered Disputes”) will be settled by binding arbitration. Prior to initiating any arbitration, the initiating party will give the other party at least 60-days’ advanced written notice of its intent to file for arbitration. Fidelity Life will provide such notice by email to your e-mail address on file with Fidelity Life and you must provide such notice by email to legalfidelity@fidelitylife.com. Any Covered Disputes you have arising out of or relating to these Terms of Use shall be resolved by a single impartial arbitrator pursuant to proceedings administered by the American Arbitration Association under its rules for resolution of commercial disputes. Any such Claim shall be brought solely by you as an individual and not as part of, or as a representative of, a class. You and we agree that any arbitration you initiate, you will pay the fees (ie., filing, hearing, hearing room, abeyance) and you and us will split the arbitrator’s compensation and expenses. For any arbitration initiated by us, we will pay the fees (ie., filing, hearing, hearing room, abeyance) and you and us will split the arbitrator’s compensation and expenses. The arbitration shall be held in Chicago, IL. All submissions to the arbitrator, the proceedings and the award shall be confidential. The arbitration shall be conducted on an expedited basis with minimal discovery. The arbitrator’s award shall be final and binding. The courts of the State of Illinois and/or the United States District Court for the Northern District of Illinois shall have exclusive jurisdiction and venue over (i) any action concerning the enforcement of an arbitration award, or (ii) if arbitration is not permitted by law, then any Claim you have arising out of or relating to these Terms of Use. You agree to unconditionally and irrevocably submit to the exclusive jurisdiction and venue of such courts and you will not object to such jurisdiction and venue on the grounds of lack of personal jurisdiction, inconvenient forum or otherwise. EACH PARTY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OF USE. Fidelity Life reserves all rights and remedies available to it, in law or equity, with respect to any matter relating to these Terms of Use. Neither party consents or agrees to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with an arbitration on a class or representative basis. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. Any claim or controversy as to the enforceability of this arbitration provision’s restriction on your right to participate in or pursue a class action or classwide arbitration shall be brought only in the United States District Court for the Northern District of Illinois or any State of court located in Cook County, Illinois. If any portion of this section is found to be unenforceable or unlawful for any reason, (a) the unenforceable or unlawful provision shall be severed from these Terms of Use; (b) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of this section or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to this section; and (c) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration. Further, if any part of this section is found to prohibit an individual claim seeking public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought out of arbitration, and the remainder of this section will be enforceable.” GOVERNING LAW These Terms of Use and all matters regarding your use of the Site shall be governed by, construed in accordance with, and enforced under the laws of the State of applicable to contracts made and executed and wholly performed in the State of Illinois, without regard to choice of law principles. Neither the Uniform Computer Information Transaction Act nor the United Nations Convention on Contracts for International Sale of Goods apply and their applicability is expressly excluded. Printed copies of any and all agreements and/or notices in electronic form shall be admissible in any legal, investigative or regulatory proceedings.

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