Terms of Service

1. Acceptance of Terms

By accessing or using the Annapurna Insurance Solutions website at https://annapurnainsurance.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Services Description

Annapurna Insurance Solutions provides an online platform that connects consumers with licensed insurance agents. We facilitate the comparison of insurance products including term life insurance, annuities, indexed universal life (IUL), and Medicare plans. We are not an insurance carrier and do not underwrite or issue insurance policies.

3. Not Insurance Advice

The information provided on this Site is for general informational purposes only and does not constitute insurance, financial, or legal advice. All insurance products are subject to the terms, conditions, limitations, and exclusions of the specific policy. Always consult a licensed insurance professional for advice tailored to your situation.

4. User Obligations

By using our Site, you agree to:

• Provide accurate and truthful information
• Be at least 18 years of age
• Not use the Site for any unlawful purpose
• Not attempt to interfere with the proper functioning of the Site
• Not submit false or misleading information

5. Quote Requests

When you submit a quote request through our Site, you consent to being contacted by a licensed insurance agent via phone, email, or text message at the contact information you provided. Quote estimates are not guarantees of coverage or pricing; final rates depend on underwriting by the insurance carrier.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of Annapurna Insurance Solutions or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

7. Disclaimer of Warranties

The Site and its contents are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the maximum extent permitted by law, Annapurna Insurance Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site or services.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of those websites.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Continued use of the Site after changes are posted constitutes acceptance of the modified terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to conflict of law provisions.

12. Contact

For questions about these Terms of Service, please contact us at support@annapurnainsurance.com.