1. Acceptance of Terms
By accessing or using the TopInsuranceMatch website (www.topinsurancematch.com), operated by Media Stock LLC ("Company," "we," "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our website or services.
2. Description of Service
TopInsuranceMatch provides an online platform that helps consumers find life insurance coverage by matching them with licensed insurance carriers and agents. We are a licensed insurance agency operated by Media Stock LLC. We are not an insurance company and do not underwrite insurance policies. All insurance products are underwritten by third-party insurance carriers, and final rates, eligibility, and coverage are subject to underwriting by each carrier.
3. Eligibility
You must be at least 18 years of age to use our services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these terms.
4. User Obligations
When using our services, you agree to:
- Provide accurate, current, and complete information when completing our quiz or any form
- Not misrepresent your identity, health status, or any information requested
- Not use our services for any unlawful purpose
- Not attempt to interfere with the proper functioning of the website
- Not use automated systems (bots, scrapers) to access our services
5. Communications Consent
By optionally checking the SMS consent checkbox on our quiz, you agree to receive communications from Media Stock LLC and our licensed insurance partners, including by phone call, text message (SMS/MMS), pre-recorded voice, autodialed calls, and AI-generated voice, at the phone number you provided. This consent is entirely optional and is not a condition of using our services, receiving your results, or making any purchase. You may decline SMS consent and still complete the quiz. Message and data rates may apply. Message frequency varies. You may opt out of text messages at any time by replying STOP.
For complete details on our SMS practices, please see Section 6 of our Privacy Policy.
6. No Guarantee of Results
We do not guarantee that you will be approved for life insurance, receive a specific rate, or be matched with a particular carrier. Approval, rates, and coverage are determined solely by the insurance carrier based on their underwriting criteria. Any rate estimates provided on our website are for informational purposes only and are not binding quotes.
7. Intellectual Property
All content on this website, including text, graphics, logos, icons, images, and software, is the property of Media Stock LLC or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.
8. Limitation of Liability
To the fullest extent permitted by law, Media Stock LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of profits, data, or other intangible losses. Our total liability shall not exceed the amount you paid us (if any) in the 12 months preceding the claim.
9. Disclaimers
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
10. Carrier Liability Disclaimer
Media Stock LLC, its affiliates, and wireless carriers are not liable for any delayed or undelivered messages. Message delivery is subject to effective transmission from your wireless service provider/network operator. Carriers are not responsible for the content of any messages sent through our SMS program. T-Mobile, AT&T, Verizon, and other carriers are not liable for delayed or undelivered messages. Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier's name, and the date, time, and content of your messages, as well as other information you provide. We may use this information in accordance with our Privacy Policy to contact you and provide the services you request from us.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts located in New Castle County, Delaware.
11. Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the website after changes constitutes acceptance of the modified terms.
12. Contact Us
If you have questions about these Terms of Service, contact us:
- Media Stock LLC (dba TopInsuranceMatch)
- 131 Continental Dr, Suite 305, Newark, DE 19713
- Email: admin@topinsurancematch.com
- Phone: (713) 885-3738