Your Terms and Conditions page is vital for legal compliance and building trust. This content clarifies the rules of engagement and, critically, assures users about their data's privacy with Willie R. Smith and I PROTECT YOU LLC.
Terms and Conditions
1. Introduction and Acceptance of Terms
Welcome to I PROTECT YOU LLC, accessible at www.iprotectyou.org. These Terms and Conditions ("Terms") govern your access to and use of our website, services, and any content provided herein. By accessing or using our website, you signify your full agreement to be bound by these Terms, along with our Privacy Policy. If you do not agree with any part of these Terms, you may not use our website or services.
I PROTECT YOU LLC operates under the principles of Proverbs 11:1, committing to honest and reliable interactions in all our dealings. Our primary goal is to empower you to protect what matters most through clear, ethical, and personalized life insurance guidance.
2. Services Offered
I PROTECT YOU LLC provides information and brokerage services related to various life insurance products, including but not limited to:
* Whole Life Insurance
* Universal Life (UL/IUL) Insurance
* Final Expense Insurance
* Term Life Insurance
All services are provided directly by Willie R. Smith (NPN: 21159893), a licensed insurance broker. Willie R. Smith is licensed to conduct insurance business in the following states: Georgia (GA), Texas (TX), South Carolina (SC), Ohio (OH), Virginia (VA), New Mexico (NM), Arizona (AZ), California (CA), and Washington (WA). Any information or advice provided is for informational purposes only and does not constitute a binding agreement until a formal application is submitted and approved by an insurance carrier.
3. Privacy and Data Security
Your privacy is our utmost priority, and your trust is earned through transparency.
At I PROTECT YOU LLC, we are committed to safeguarding your personal information. Any data you share with us through our website, quizzes, or contact forms, including but not limited to your name, email address, phone number, financial details, and health information, is collected solely for the purpose of providing you with personalized life insurance solutions and communication regarding our services.
We categorically state that your information will never be shared, sold, rented, or leased to any third parties for their independent marketing or any other commercial purposes.
Only Willie R. Smith, the sole broker and operator of I PROTECT YOU LLC / www.iprotectyou.org, will have direct access to your personal information. This direct access ensures that your sensitive data is handled with the highest level of confidentiality and care, facilitating a truly personalized and secure experience. Your data is stored securely on protected servers and is used exclusively by Willie R. Smith to:
* Respond to your inquiries.
* Provide accurate life insurance quotes.
* Help you complete insurance applications.
* Offer ongoing support related to your policy.
For a more detailed explanation of how we collect, use, and protect your information, please refer to our comprehensive Privacy Policy.
4. TCPA Compliance (Telephone Consumer Protection Act)
By submitting your contact information (including phone number) through any form or quiz on www.iprotectyou.org, you provide your express written consent for Willie R. Smith of I PROTECT YOU LLC to contact you. This contact may include:
* Phone calls (including calls made using automated dialing systems, prerecorded messages, or artificial voice technology).
* Text messages (SMS/MMS).
* Email communications.
These communications will be solely for the purpose of discussing your life insurance needs, providing quotes, assisting with applications, and offering related information. Your consent is not required as a condition of purchasing any goods or services.
Opt-Out Option: You can revoke this consent at any time. To stop receiving text messages, reply "STOP" to any text you receive. To opt-out of phone calls or emails, please notify us directly by calling Willie R. Smith at 770-802-8271 or emailing wsmith@iprotectyou.org. We will promptly honor your request. Message and data rates may apply for text messages.
5. User Responsibilities
By using this website, you agree to:
* Provide accurate, current, and complete information when prompted by any forms or quizzes.
* Use the website and services only for lawful purposes.
* Not engage in any activity that could harm, disable, overburden, or impair our website or interfere with any other party's use and enjoyment of the website.
* Understand that while we strive for accuracy, the information on this site is for general guidance and does not replace professional advice.
6. Intellectual Property
All content on www.iprotectyou.org, including text, graphics, logos, images, and software, is the property of I PROTECT YOU LLC or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.
7. Disclaimers
* No Guarantee of Coverage: Completion of a quiz or submission of information does not guarantee eligibility for or approval of any insurance policy. All policies are subject to underwriting by the respective insurance carriers.
* Accuracy of Information: While we strive to provide accurate and up-to-date information, I PROTECT YOU LLC makes no warranties or representations about the accuracy, reliability, completeness, or timeliness of the content on this site.
* Third-Party Links: Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of such sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
8. Limitation of Liability
In no event shall I PROTECT YOU LLC, Willie R. Smith, or any of their affiliates, directors, employees, or agents be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your use or inability to use the website or services; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any errors or omissions in the content; or (iv) any matter relating to our services.
9. Indemnification
You agree to indemnify, defend, and hold harmless I PROTECT YOU LLC, Willie R. Smith, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of our website or services, or your violation of these Terms.
10. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be exclusively brought in the federal or state courts located in Cobb County, Georgia.
11. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on this page. Your continued use of the website after any such changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically for updates.
12. Contact Information
If you have any questions about these Terms and Conditions, please contact us:
I PROTECT YOU LLC
Broker: Willie R. Smith
Phone: 770-802-8271
Email: wsmith@iprotectyou.org
Address: 1651 Ewing Farm Dr., Powder Springs, GA 30127
Website: www.iprotectyou.org