Terms & Conditions

These Terms & Conditions ("Terms") form a legally binding agreement between you ("you," "user," or "client") and Secure Family Insurance / Secure-Fi ("we," "us," or "our"). These Terms govern your access to and use of our website, quote request forms, communications, consultations, insurance-related information, and any related offerings (collectively, the "Services").

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Services Description

We provide insurance-related services and communications, including:

• Life insurance quote requests and follow-up
• Information about term life, whole life, final expense, and related coverage options
• Appointment scheduling and callback requests
• Customer care communications by phone, email, and SMS/text message
• General insurance education and support

Services are provided "as is" and may be modified, suspended, or discontinued at any time without notice.

2. User Eligibility and Age Restriction

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Services. By using this website, submitting a form, requesting a quote, or opting in to receive communications, you represent and warrant that you are 18 years of age or older.

3. SMS / Text Messaging Terms

By submitting your phone number through a quote request form, callback request, or other form on our website, you consent to receive SMS/text messages from Secure Family Insurance / Secure-Fi related to your inquiry.

These messages may include quote follow-up, appointment confirmations or reminders, requested coverage information, application updates, and customer care communications. Message frequency varies based on your interaction and request.

• Message and Data Rates: Message and data rates may apply.
• Opt-Out: Reply STOP to any text message to unsubscribe from further SMS communications.
• Help: Reply HELP for assistance.
• Consent: Consent to receive text messages is not a condition of purchase.

Mobile carriers are not liable for delayed, undelivered, or misdirected messages.

4. Insurance and Coverage Disclaimer

Information provided through this website is for general informational purposes only and does not guarantee eligibility, approval, or issuance of coverage. Insurance products may be subject to underwriting, carrier guidelines, policy terms, eligibility requirements, and availability in your state.

Quotes, premiums, and coverage amounts may vary based on individual circumstances and insurer underwriting decisions.

5. Intellectual Property

All website content, branding, text, graphics, layout, and materials are owned by us or our licensors and may not be copied, reproduced, distributed, or used without permission.

6. Acceptable Use

You agree not to misuse the website or Services, including by:

• Submitting false or misleading information
• Attempting unauthorized access to our systems
• Using the website for unlawful purposes
• Interfering with the operation or security of the Services

7. Privacy

Your use of the Services is also governed by our Privacy Policy. By using the Services, you acknowledge that you have reviewed it.

8. Limitation of Liability

To the fullest extent permitted by law, the Services are provided "as is" and "as available" without warranties. We are not liable for indirect, incidental, consequential, or punitive damages. Our total liability will not exceed $100 or the amount paid by you in the prior 12 months, whichever is greater.

9. Indemnification

You agree to indemnify, defend, and hold harmless Secure Family Insurance and its affiliates from any claims arising out of your misuse of the Services or violation of these Terms.

10. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason.

11. Governing Law

These Terms are governed by the laws of the state in which Secure Family Insurance primarily conducts business, without regard to conflict of law principles.

12. Changes to These Terms

We may update these Terms from time to time. Continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

13. Contact Information

Questions about these Terms may be directed through our contact page at https://secure-fi.com/contact/.

Secure Family Insurance / Secure-Fi
Website: https://secure-fi.com/
Contact Page: https://secure-fi.com/contact/
Address: 5012 Brittany Downs Drive, Cottleville, MO 63304
Phone: +1 636-336-2620