These Terms and Conditions (the "Terms") govern your use of LifeNestQuotes.com (the "Site"), operated by Marcus A Peterson, a licensed insurance producer. "LifeNestQuotes" is the name of this website — not a company or separate legal entity — and references to "LifeNestQuotes," "we," or "us" mean Marcus A Peterson. By using the Site or submitting the quote request form, you agree to these Terms. If you do not agree to these Terms, you may not use the Site.
Nature of the Site
LifeNestQuotes.com is a marketing website that collects information from individuals interested in mortgage protection life insurance and connects those individuals with a licensed insurance agent for a quote and, if they so choose, an application. LifeNestQuotes is not an insurance company, is not a lender, and does not underwrite, issue, or guarantee any insurance policy. All coverage is subject to underwriting approval by the applicable carrier, and availability, benefits, riders, and pricing vary by carrier and by state.
Eligibility
The Site is intended for adults age 18 and older. By using the Site, you represent that you are at least 18 years of age.
No Guarantee of Coverage, Rates, or Approval
Nothing on the Site constitutes an offer of insurance, a binding quote, or a guarantee of approval, coverage amount, or premium. Rates and eligibility are determined by the applicable carrier through its own underwriting process, which may consider health, financial, and other factors. LifeNestQuotes may discuss, quote, or place coverage only in states where a current insurance license is held. If you submit the form from a state in which we are not licensed, we will notify you rather than proceed.
Text Messaging Program Terms
If you provide your mobile telephone number and agree to be contacted by text message, you are enrolling in our text messaging program subject to the following terms.
- Program description. You may receive text messages related to your mortgage protection insurance quote request, including follow-up communication from a licensed agent, appointment reminders, and status updates.
- Message frequency. Message frequency varies depending on your quote request and any subsequent communication with an agent.
- Message and data rates may apply. Standard messaging and data rates charged by your wireless carrier apply to messages sent or received under this program.
- Opting out. Reply STOP at any time to any text message to stop receiving further messages. You will receive one final message confirming that you have been unsubscribed. You may also request that an agent discontinue text communication directly.
- Assistance. Reply HELP to any text message for assistance, or contact us at leads@lifenestquotes.com or (413) 250-5133.
- Carriers. Wireless carriers are not liable for delayed or undelivered messages.
- Mobile information is not shared. No mobile information collected through this text messaging program will be shared or sold to any third party or affiliate for marketing or promotional purposes. This restriction does not apply to information necessary to provide the text messages themselves, including to our messaging platform provider, or to disclosures required by law.
See the Privacy Policy for additional information regarding how LifeNestQuotes handles your information generally.
Acceptable Use
You agree not to do any of the following:
- Submit false or misleading information, or information belonging to another person without that person's permission
- Use the Site to send unsolicited advertising or spam
- Interfere with, disrupt, or attempt to gain unauthorized access to the Site or its underlying systems
- Scrape, harvest, or otherwise collect information from the Site for purposes unrelated to your own insurance inquiry
Intellectual Property
The text, design, and graphics appearing on the Site are owned by LifeNestQuotes or its licensors and may not be copied or reused without permission. Carrier names and logos displayed on the Site are the property of their respective owners, are displayed solely to indicate current agent appointments, and do not imply endorsement by those companies.
Third-Party Links and Services
The Site may link to, or rely upon, third-party services, including the form delivery service that routes your submission to us and various advertising platforms. LifeNestQuotes is not responsible for the content, privacy practices, or availability of any third-party service.
Disclaimers
The Site is provided on an "as is" basis, without warranties of any kind, express or implied. Nothing on the Site constitutes financial, legal, tax, or insurance advice; you should consult a licensed agent regarding your specific circumstances. LifeNestQuotes is not affiliated with, endorsed by, or acting on behalf of any government agency, mortgage lender, or loan servicer.
Limitation of Liability
To the fullest extent permitted by law, Marcus A Peterson shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site. Nothing in these Terms limits any liability that cannot be limited under applicable law, including obligations owed to you as an insurance producer under applicable state insurance law.
Changes to These Terms
LifeNestQuotes may update these Terms from time to time. The date at the top of this page reflects the most recent revision. Continued use of the Site following any such change constitutes acceptance of the updated Terms.
Governing Law
These Terms are governed by the laws of the State of California, without regard to its conflict of laws principles.
Contact Us
Marcus A Peterson, Licensed Insurance Producer
2075 Lockwood Drive, San Jose, CA 95132
leads@lifenestquotes.com
(413) 250-5133