Terms & Conditions
Welcome to Vega. These Terms and Conditions ("Terms") govern your access to and use of the Vega website, services, products, and communications. By accessing or using our website, submitting information, requesting a quote, or otherwise interacting with Vega, you agree to be bound by these Terms.
If you do not agree with these Terms, please discontinue use of the website and services immediately.
1. About Vega
Vega is an independent insurance agency that helps consumers explore life insurance, mortgage protection insurance, final expense insurance, and other insurance-related products offered by licensed insurance carriers.
Vega does not guarantee approval, coverage availability, premium rates, or policy issuance. All insurance products are subject to carrier underwriting, eligibility requirements, and policy terms.
2. Eligibility
By using this website, you represent and warrant that:
You are at least 18 years of age.
You have the legal capacity to enter into binding agreements.
All information you provide is accurate, complete, and truthful.
You are using the website for lawful purposes only.
Providing false or misleading information may result in denial of services and termination of access.
3. No Insurance Coverage Created
Use of this website does not create:
An insurance policy
Insurance coverage
A binding agreement to insure
A client-agent relationship until expressly established
Submitting a quote request or speaking with a licensed agent does not guarantee coverage.
Insurance coverage becomes effective only after:
Application approval by the insurance carrier;
Satisfaction of underwriting requirements; and
Receipt of the required premium payment by the carrier.
4. Quote Information Disclaimer
Any insurance quotes, estimates, projections, illustrations, or premium examples displayed on this website are estimates only.
Actual premiums, benefits, policy features, and availability may vary based on:
Age
Health history
Occupation
Lifestyle factors
State regulations
Carrier underwriting guidelines
Final decisions regarding eligibility and pricing are made solely by the issuing insurance carrier.
5. TCPA Consent to Contact
By providing your phone number and submitting information through this website, you expressly consent to receive communications from Vega and its licensed insurance partners, including:
Telephone calls
Text messages (SMS)
Email communications
Artificial or prerecorded voice messages
Automated telephone dialing systems where permitted by law
These communications may be made regarding:
Insurance quotes
Insurance products
Policy information
Customer service
Marketing offers
Educational content
Consent is not required as a condition of purchasing any insurance product or service.
Message frequency may vary.
Message and data rates may apply.
You may opt out of communications at any time by:
Replying STOP to SMS messages
Following unsubscribe instructions in emails
Contacting Vega directly
6. Electronic Communications
By using this website, you consent to receive electronic communications from Vega.
These communications may include:
Email correspondence
Policy-related notifications
Appointment confirmations
Service announcements
Marketing communications
Electronic communications satisfy any legal requirement that communications be provided in writing.
7. User Responsibilities
You agree not to:
Submit false information
Impersonate another individual
Violate applicable laws or regulations
Attempt unauthorized access to website systems
Interfere with website functionality
Introduce malicious code, viruses, or harmful software
Use the website for fraudulent purposes
Vega reserves the right to terminate access for any violation of these Terms.
8. Intellectual Property
All website content is owned by or licensed to Vega, including:
Logos
Branding
Graphics
Website design
Text
Images
Icons
Videos
Marketing materials
These materials are protected under applicable intellectual property laws.
You may not reproduce, distribute, modify, republish, or exploit any content without prior written consent from Vega.
9. Website Availability
While we strive to maintain uninterrupted access, Vega does not guarantee that the website will always be available, secure, error-free, or free of harmful components.
We reserve the right to:
Modify the website
Suspend services
Remove content
Restrict access
Perform maintenance
Without prior notice.
10. Third-Party Websites
This website may contain links to third-party websites or resources.
Vega does not:
Endorse third-party content
Guarantee accuracy of third-party information
Assume responsibility for third-party practices
Accessing third-party websites is done at your own risk.
11. Privacy
Your use of this website is also governed by our Privacy Policy.
By using this website, you acknowledge that you have reviewed and understand our Privacy Policy regarding the collection, use, and sharing of information.
12. Limitation of Liability
To the fullest extent permitted by law, Vega and its owners, officers, employees, contractors, affiliates, and representatives shall not be liable for:
Direct damages
Indirect damages
Incidental damages
Consequential damages
Special damages
Lost profits
Loss of data
Business interruption
Arising from:
Website use
Website unavailability
Errors or omissions
Reliance on information provided
Communications with insurance carriers
Insurance coverage decisions
Your sole remedy for dissatisfaction with the website is to discontinue use.
13. Disclaimer of Warranties
The website and services are provided on an "AS IS" and "AS AVAILABLE" basis.
Vega disclaims all warranties, including but not limited to:
Merchantability
Fitness for a particular purpose
Non-infringement
Accuracy
Reliability
Availability
No representation is made that the website will operate uninterrupted or error-free.
14. Indemnification
You agree to defend, indemnify, and hold harmless Vega, its officers, employees, contractors, affiliates, and partners from any claims, liabilities, damages, losses, expenses, or legal fees arising from:
Your use of the website
Violation of these Terms
Violation of applicable laws
Misrepresentation of information provided
15. State Licensing Notice
Insurance products may not be available in all states.
Vega conducts business only in states where properly licensed.
Nothing on this website constitutes a solicitation in any jurisdiction where Vega or its representatives are not licensed.
Consumers should verify licensing information with their state's insurance department if desired.
16. Arbitration Agreement
To the extent permitted by law, any dispute arising out of or relating to these Terms, the website, or services provided by Vega shall be resolved through binding arbitration rather than court proceedings.
The arbitration shall be conducted under the rules of the American Arbitration Association.
Each party shall bear its own costs and attorneys' fees unless otherwise required by law.
Nothing in this section prevents either party from seeking equitable relief for intellectual property violations or unauthorized use of proprietary materials.
17. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Tennessee, without regard to conflict of law principles.
Any legal proceedings not subject to arbitration shall be brought exclusively in courts located within Tennessee.
18. Changes to These Terms
Vega reserves the right to modify these Terms at any time.
Changes become effective immediately upon posting to the website.
Continued use of the website following modifications constitutes acceptance of the revised Terms.
19. Contact Information
For questions regarding these Terms and Conditions, please contact:
Vega
Email: lifeinsurance.vega@gmail.com
Phone: (239) 270-0416
Website: vegalifeinsurance.com