Terms of Service

1. Definitions

For purposes of these Terms, the following definitions apply:

• "LifeMatch," "Company," "we," "us," or "our" refers to LifeMatch and its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, and assigns.
• "Services" refers to the LifeMatch website, AI chat assistant (Sage), lead generation services, and all related features, tools, and functionalities.
• "User," "you," or "your" refers to any individual or entity accessing or using our Services.
• "Sage" refers to our artificial intelligence-powered chat assistant.
• "Lead" refers to the personal information and insurance inquiry data submitted by users through our Services.
• "Partner Agents" refers to licensed insurance agents and agencies who receive leads from LifeMatch.
• "Carriers" refers to insurance companies whose products may be recommended or offered through Partner Agents.
• "Personal Information" has the meaning set forth in the California Consumer Privacy Act (CCPA) and includes any information that identifies, relates to, or could reasonably be linked with you or your household.
• "Health Information" refers to information about your physical or mental health, medical history, medications, and related health data.
• "Content" refers to all text, graphics, images, software, audio, video, information, and other materials available through the Services.

2. Acceptance of Terms

2.1 Agreement to Terms

By accessing, browsing, or using the Services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our State Privacy Rights, all of which are incorporated herein by reference.

2.2 Capacity to Contract

By using the Services, you represent and warrant that:

• You are at least 18 years of age;
• You have the legal capacity and authority to enter into a binding contract;
• You are not prohibited from using the Services under any applicable law;
• If acting on behalf of an organization, you have authority to bind that organization to these Terms.

2.3 Electronic Agreement

You consent to enter into these Terms electronically and acknowledge that your electronic acceptance constitutes your signature, acceptance, and agreement as if you had signed these Terms in writing.

2.4 Additional Terms

Certain features of the Services may be subject to additional terms and conditions, which will be presented to you at the time of use. Such additional terms are incorporated into these Terms by reference.

3. Description of Services

3.1 Lead Generation Platform

LifeMatch operates an online lead generation platform designed to connect consumers seeking life insurance with licensed insurance professionals. Our Services include:

• An AI-powered chat assistant (Sage) that collects information about your insurance needs;
• Algorithmic matching with insurance carriers based on your profile;
• Transmission of your information to licensed insurance agents;
• Facilitation of contact between you and insurance professionals.

3.2 What We Are NOT

3.3 Relationship with Insurance Agents

Partner Agents who receive your information are independent contractors and are NOT employees, agents, or representatives of LifeMatch. We do not control and are not responsible for the actions, advice, products, or services of any Partner Agent or Carrier.

4. Eligibility Requirements

To use our Services, you must meet ALL of the following requirements:

• Age: You must be at least 18 years of age. Individuals under 18 may not use the Services under any circumstances.
• Residency: You must be a legal resident of the United States.
• Legal Capacity: You must have the legal capacity to enter into binding agreements.
• Truthful Information: You must provide accurate, current, and complete information.
• Legitimate Purpose: You must be seeking life insurance for yourself or someone you are legally authorized to represent.
• Non-Commercial Use: Unless expressly authorized, you may only use the Services for personal, non-commercial purposes.

5. Registration and Accounts

5.1 Account Information

While you may access certain features without creating an account, some Services may require you to provide registration information. You agree to:

• Provide accurate, current, and complete information;
• Maintain and promptly update your information to keep it accurate;
• Maintain the security and confidentiality of any login credentials;
• Accept responsibility for all activities under your account;
• Notify us immediately of any unauthorized access or security breach.

5.2 Phone Verification

We may require phone verification via SMS to confirm your identity and ensure the legitimacy of inquiries. By providing your phone number, you consent to receiving verification codes via SMS. Standard message and data rates may apply.

6. User Responsibilities

As a user of our Services, you are solely responsible for:

• Accuracy of Information: Ensuring all information you provide is truthful, accurate, and complete to the best of your knowledge. Inaccurate information may result in incorrect carrier matching and could constitute insurance fraud.
• Authorization: Only submitting information about yourself or individuals for whom you have legal authority to act (e.g., spouse, dependent).
• Decision-Making: Independently evaluating any insurance products, agents, or carriers and making your own informed decisions.
• Due Diligence: Verifying the credentials and licensing of any insurance professional before purchasing coverage.
• Compliance: Complying with all applicable laws and regulations in connection with your use of the Services.
• Security: Maintaining the security of your devices and any account credentials.

7. Prohibited Conduct

You agree NOT to engage in any of the following prohibited activities:

7.1 Fraud and Misrepresentation

• Providing false, misleading, or inaccurate information;
• Impersonating another person or misrepresenting your identity;
• Submitting inquiries on behalf of others without authorization;
• Engaging in any activity that constitutes insurance fraud.

7.2 Technical Abuse

• Using bots, scripts, or automated systems to access the Services;
• Attempting to circumvent security measures or access controls;
• Interfering with or disrupting the Services or servers;
• Transmitting viruses, malware, or other harmful code;
• Scraping, crawling, or harvesting data from the Services;
• Reverse engineering, decompiling, or disassembling any part of the Services.

7.3 Commercial Misuse

• Using the Services for competitive intelligence or benchmarking;
• Reselling, redistributing, or commercializing the Services without authorization;
• Using the Services to generate leads for resale to third parties;
• Soliciting other users for commercial purposes.

7.4 Other Prohibited Activities

• Violating any applicable local, state, national, or international law;
• Infringing on the intellectual property rights of others;
• Harassing, threatening, or abusing our staff, agents, or other users;
• Using the Services for any illegal or unauthorized purpose.

8. Consent to Contact (TCPA Disclosure)

8.1 Express Written Consent

By providing your telephone number and clicking "Submit," "Get My Quote," or similar buttons, you expressly consent to receive:

• Telephone calls, including calls made using an automatic telephone dialing system (ATDS) or autodialer;
• Prerecorded or artificial voice messages;
• SMS text messages;
• Communications from LifeMatch, our Partner Agents, Carriers, and their affiliates;
• Marketing and promotional communications related to insurance products.

8.2 Scope of Consent

Your consent applies to the phone number(s) you provide, including:

• Your primary phone number;
• Any additional numbers you provide;
• Any number you later add or update in your profile.

This consent applies even if your number is registered on any federal, state, or internal Do Not Call list.

8.3 Not a Condition of Purchase

You understand and agree that providing consent is NOT a condition of purchasing any insurance product. You may still obtain insurance quotes by contacting agents directly without providing consent to automated communications.

8.4 Message Frequency and Charges

Message frequency varies based on your inquiry and agent responses. Standard message and data rates may apply as determined by your mobile carrier. You are solely responsible for any charges incurred.

8.5 How to Opt Out

You may revoke your consent at any time by:

• Replying "STOP" to any text message;
• Calling us at 1-800-XXX-XXXX;
• Emailing us at optout@mylifematch.net;
• Informing the calling party that you wish to opt out.

Opt-out requests may take up to 10 business days to process. Opting out of automated messages does not opt you out of all communications.

9. Lead Generation Disclosure

9.1 Nature of Our Business

You understand and acknowledge that:

• LifeMatch's primary business is generating and selling insurance leads;
• We receive compensation from Partner Agents and Carriers for leads;
• Your inquiry creates a "lead" that has commercial value;
• The price we receive for your lead may vary based on your profile and location.

9.2 Lead Distribution

Your lead may be distributed to:

• One or more licensed insurance agents;
• Insurance agencies and brokerages;
• Insurance carriers directly;
• Lead aggregators who may further distribute your information;
• Marketing partners and affiliates.

9.3 Multiple Contacts

You should expect to be contacted by MULTIPLE insurance professionals. Each may offer different products, rates, and services. We do not control who contacts you or when.

10. Data Sharing and Sale

10.1 Information We Share

When you submit an inquiry, we share the following information with third parties:

• Contact Information: Name, phone number, email address, mailing address;
• Demographic Information: Age, gender, ZIP code, city, state, county;
• Health Information: Height, weight, tobacco use, medical conditions, medications, hospitalizations, family medical history;
• Insurance Preferences: Coverage amount, policy type, term length, coverage reason;
• Conversation Data: Transcripts of your chat with Sage;
• Technical Data: IP address, device information, session data.

10.2 Sale of Personal Information

Under California law (CCPA), the transfer of your personal information to third parties in exchange for monetary or other valuable consideration may constitute a "sale." By using our Services and providing consent, you acknowledge that your personal information may be sold to insurance agents and other third parties.

10.3 Categories of Recipients

Your information may be sold or shared with:

• Licensed insurance agents and agencies;
• Insurance carriers including but not limited to Mutual of Omaha, GPM Life, Foresters Financial, and American Amicable;
• Lead buyers and aggregators;
• Marketing and advertising partners;
• Data analytics providers;
• Service providers who assist our operations.

10.4 Opt-Out of Sale

California residents have the right to opt-out of the sale of their personal information. To exercise this right, visit our Do Not Sell My Personal Information page.

11. Health Information Disclosure

11.1 Health Data Collection

To provide accurate insurance matching, we collect health-related information including:

• Height and weight (used to calculate BMI);
• Tobacco and nicotine use;
• Current medications;
• Existing health conditions (diabetes, heart disease, cancer, etc.);
• History of hospitalizations;
• Family medical history;
• Any additional health information you voluntarily provide.

11.2 Use of Health Information

Your health information is used to:

• Match you with carriers most likely to offer coverage;
• Provide carriers with information for preliminary underwriting;
• Enable agents to prepare appropriate product recommendations;
• Improve our matching algorithms.

11.3 Authorization

By providing health information through our Services, you authorize LifeMatch to:

• Collect, store, and process your health information;
• Share your health information with Partner Agents and Carriers;
• Use your health information for lead generation purposes;
• Transfer your health information to third parties as described in these Terms.

11.4 HIPAA Notice

LifeMatch is NOT a "covered entity" under the Health Insurance Portability and Accountability Act (HIPAA), meaning HIPAA regulations do not legally apply to our Services. However, we voluntarily implement security measures that meet or exceed HIPAA standards to protect your health information, including:

• Encryption of data in transit and at rest;
• Access controls and authentication requirements;
• Secure cloud infrastructure (AWS);
• Regular security assessments;
• Employee training on data protection.

While your health information is not legally protected under HIPAA, we treat it with the same level of care and security as if it were.

12. No Guarantee of Coverage

12.1 No Insurance Guarantee

LifeMatch makes NO guarantees or warranties regarding:

• Your ability to qualify for life insurance;
• Approval by any specific carrier;
• Premium rates or coverage amounts;
• Policy terms or conditions;
• The accuracy of any preliminary quotes or estimates;
• The availability of any particular product.

12.2 Underwriting Decisions

All underwriting decisions are made solely by insurance carriers based on their own criteria, which may include:

• Medical examinations and lab tests;
• Medical Information Bureau (MIB) reports;
• Prescription drug databases;
• Motor vehicle records;
• Credit reports;
• Additional information not collected by LifeMatch.

12.3 Carrier Recommendations

Recommendations made by Sage or our Services are based on algorithms and the information you provide. These recommendations:

• Are not guarantees of approval or pricing;
• May not account for all relevant factors;
• Should not be relied upon as final determinations;
• Are subject to verification by actual underwriting.

13. AI Assistant Disclaimer

13.1 Nature of Sage

Sage is an artificial intelligence chat assistant designed to collect information and provide general guidance. You acknowledge and agree that:

• Sage is NOT a licensed insurance agent, broker, or advisor;
• Sage is NOT a financial advisor or fiduciary;
• Sage is NOT a medical professional or healthcare provider;
• Sage cannot provide personalized insurance, financial, or medical advice;
• Sage's responses are generated by algorithms and may contain errors.

13.2 Limitations of AI

You understand that:

• AI technology has inherent limitations and may produce incorrect or incomplete information;
• Sage's recommendations are based on limited data and algorithms;
• Sage cannot consider all factors relevant to your situation;
• Sage's outputs should not substitute for professional advice;
• You should verify all information independently.

13.3 No Reliance

You agree NOT to rely solely on information or recommendations provided by Sage when making insurance decisions. You should consult with licensed insurance professionals and consider your individual circumstances.

14. Third-Party Services

14.1 Third-Party Links

The Services may contain links to third-party websites, applications, or services. These links are provided for convenience only. We do not:

• Control or endorse third-party content;
• Guarantee the accuracy of third-party information;
• Accept responsibility for third-party practices;
• Warrant the security of third-party sites.

14.2 Third-Party Services

We use third-party services to operate our platform, including:

• Amazon Web Services (cloud hosting and AI services);
• Analytics and tracking providers;
• SMS verification services;
• Payment processors (if applicable).

Your use of the Services is subject to the terms and policies of these third parties.

14.3 Insurance Agents and Carriers

Partner Agents and Carriers are independent third parties. We are not responsible for:

• Their advice, recommendations, or services;
• The products they offer or sell;
• Their communication practices;
• Any disputes between you and agents or carriers.

15. Intellectual Property

15.1 Our Intellectual Property

All Content and materials available through the Services, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, software, and the compilation thereof, are the property of LifeMatch or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

15.2 Trademarks

"LifeMatch," "Sage," our logos, and other marks are trademarks of LifeMatch. You may not use our trademarks without prior written permission. Other trademarks appearing on the Services are the property of their respective owners.

15.3 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes in accordance with these Terms. This license does not include:

• Any resale or commercial use of the Services;
• Any collection or use of product listings, descriptions, or prices;
• Any derivative use of the Services or Content;
• Any downloading or copying of information for third-party benefit;
• Any use of data mining, robots, or similar data gathering tools.

15.4 Restrictions

You may not:

• Copy, reproduce, modify, or distribute any Content;
• Use any Content for commercial purposes without authorization;
• Remove any copyright or proprietary notices;
• Transfer Content to another person or "mirror" Content on another server;
• Reverse engineer, decompile, or disassemble any software.

16. User Content and Submissions

16.1 Your Submissions

By submitting information through the Services (including chat responses, contact information, and feedback), you grant LifeMatch a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such content for any purpose, including commercial purposes.

16.2 Representations

You represent and warrant that:

• You own or have the right to submit all content you provide;
• Your content does not violate any third-party rights;
• Your content is accurate and not misleading;
• Your content complies with all applicable laws.

16.3 No Confidentiality

Unless expressly agreed otherwise, any information you submit is NOT confidential and may be used by LifeMatch without restriction.

17. Disclaimers of Warranties

17.1 "As Is" Basis

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, LIFEMATCH DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• NON-INFRINGEMENT;
• ACCURACY, RELIABILITY, OR COMPLETENESS;
• QUIET ENJOYMENT;
• TITLE.

17.2 No Warranty of Results

WE DO NOT WARRANT THAT:

• THE SERVICES WILL MEET YOUR REQUIREMENTS;
• THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
• RESULTS OBTAINED FROM THE SERVICES WILL BE ACCURATE OR RELIABLE;
• ANY ERRORS IN THE SERVICES WILL BE CORRECTED;
• THE SERVICES ARE FREE OF VIRUSES OR HARMFUL COMPONENTS.

17.3 Third-Party Disclaimer

WE MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING ANY THIRD-PARTY PRODUCTS, SERVICES, OR CONTENT, INCLUDING INSURANCE PRODUCTS OFFERED BY PARTNER AGENTS OR CARRIERS.

18. Limitation of Liability

18.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIFEMATCH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, OR BUSINESS;
• LOSS OF DATA OR INFORMATION;
• LOSS OF GOODWILL OR REPUTATION;
• COST OF SUBSTITUTE SERVICES;
• DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SERVICES;
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO YOUR DATA;
• DAMAGES ARISING FROM THIRD-PARTY CONDUCT OR CONTENT.

THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

18.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF:

• ONE HUNDRED DOLLARS ($100.00); OR
• THE TOTAL AMOUNT YOU PAID TO LIFEMATCH (IF ANY) IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

18.3 Essential Purpose

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

19. Indemnification

19.1 Your Obligation to Indemnify

You agree to indemnify, defend, and hold harmless LifeMatch and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of the Services;
• Your violation of these Terms;
• Your violation of any applicable law or regulation;
• Your violation of any third-party rights;
• Any content or information you submit;
• Any inaccurate, false, or misleading information you provide;
• Your interactions with Partner Agents or Carriers;
• Any claim by a third party arising from your conduct.

19.2 Control of Defense

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate fully with our defense of any such claim.

20. Insurance-Specific Disclaimers

20.1 Not Insurance Advice

Nothing on this website or in our Services constitutes insurance advice. The information provided is for general informational purposes only and should not be relied upon as a substitute for consultation with qualified insurance professionals.

20.2 Licensing

Insurance products are sold exclusively by licensed insurance agents. All agents who contact you should be licensed in your state. You have the right to verify agent licensing through your state's Department of Insurance.

20.3 Product Variations

Insurance products, features, rates, and availability vary by state and carrier. Not all products are available in all states. Actual policy terms and conditions are contained in the insurance contract.

20.4 Rate Factors

Insurance rates depend on many factors including age, health, location, coverage amount, and carrier underwriting guidelines. Quoted rates are estimates and actual premiums may differ.

21. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to Know: Request disclosure of the personal information we collect, use, disclose, and sell;
• Right to Delete: Request deletion of your personal information (subject to exceptions);
• Right to Opt-Out: Direct us not to sell your personal information;
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights.

For complete details about your California privacy rights, please review our California Privacy Notice.

22. Arbitration Agreement

22.1 Agreement to Arbitrate

You and LifeMatch agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with LifeMatch (collectively, "Disputes") will be resolved exclusively through binding individual arbitration rather than in court, except as otherwise provided herein.

22.2 Arbitration Rules

Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted by a single arbitrator. The arbitration will take place in the county where you reside or, at your election, by telephone or video conference.

22.3 Arbitration Fees

Payment of arbitration fees will be governed by the AAA's rules. If your claim does not exceed $10,000, LifeMatch will pay all arbitration fees. If your claim exceeds $10,000, fees will be allocated as determined by the arbitrator.

22.4 Arbitrator's Authority

The arbitrator shall have exclusive authority to resolve all Disputes, including the arbitrability of any dispute and the enforceability of any provision of this arbitration agreement. The arbitrator's decision shall be final and binding.

22.5 Exceptions

Notwithstanding the foregoing, either party may:

• Bring an individual action in small claims court;
• Seek injunctive relief in court to prevent imminent harm or protect intellectual property;
• Report violations to government agencies.

22.6 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to arbitration-optout@mylifematch.net within 30 days of first accepting these Terms. Your notice must include your name, address, phone number, and a clear statement that you wish to opt out. If you opt out, the remainder of these Terms will remain in effect.

23. Class Action Waiver

Unless both you and LifeMatch agree otherwise in writing:

• No arbitration or court proceeding may be combined with another;
• There is no right or authority for any Dispute to be arbitrated on a class-action basis;
• There is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or other persons;
• The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

If this class action waiver is found to be unenforceable, then the entirety of the arbitration agreement shall be null and void, and all Disputes shall be decided by a court.

24. Governing Law

24.1 Choice of Law

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

24.2 Jurisdiction

Subject to the arbitration provisions above, any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in [County], California. You consent to personal jurisdiction and venue in such courts.

25. Termination

25.1 Termination by Us

We may, in our sole discretion, at any time and for any reason:

• Suspend or terminate your access to the Services;
• Delete your account and all associated data;
• Refuse to provide Services to you;
• Modify or discontinue any part of the Services.

We will not be liable to you or any third party for any such termination or modification.

25.2 Effect of Termination

Upon termination:

• Your right to use the Services immediately ceases;
• We may delete your data and information;
• All provisions of these Terms that should survive termination shall survive, including intellectual property, disclaimers, limitations of liability, indemnification, and arbitration provisions.

26. Modifications to Terms

26.1 Right to Modify

We reserve the right to modify these Terms at any time in our sole discretion. When we make changes, we will update the "Last Updated" date at the top of these Terms.

26.2 Notification

For material changes, we may notify you by:

• Posting a prominent notice on our website;
• Sending an email to the address associated with your account;
• Displaying a notice when you access the Services.

26.3 Acceptance of Changes

Your continued use of the Services after any changes constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Services.

27. General Provisions

27.1 Entire Agreement

These Terms, together with our Privacy Policy and California Privacy Notice, constitute the entire agreement between you and LifeMatch regarding the Services and supersede all prior agreements and understandings.

27.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

27.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of LifeMatch.

27.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section shall be void.

27.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

27.6 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and LifeMatch. You have no authority to bind LifeMatch in any respect.

27.7 Notices

We may provide notices to you by posting on the Services, sending to your email address, or other reasonable means. You may provide notices to us by mail to the address below or by email to legal@mylifematch.net.

27.8 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

28. Contact Information

If you have questions, concerns, or feedback regarding these Terms of Service, please contact us:

LifeMatch Legal Department

• Email: legal@mylifematch.net
• Phone: 1-800-XXX-XXXX
• Mail:
  LifeMatch Legal Department
  [Your Business Address]
  [City, State ZIP]

For Privacy Inquiries:

• Email: privacy@mylifematch.net
• CCPA Requests: Submit a Request

To Opt Out of Communications:

• Email: optout@mylifematch.net
• Text: Reply STOP to any message