Terms of Service
Effective Date: October 6, 2025
Last Updated: October 6, 2025
1. Acceptance of Terms
By accessing or using the SecurePlans website (secureplans.online) and related services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.
2. Description of Services
SecurePlans is a licensed insurance marketing organization that:
- Connects consumers with licensed insurance agents and brokers
- Provides insurance quotes and comparison services
- Facilitates insurance purchases through licensed partners
- Offers educational resources about insurance products
- Provides customer support and assistance services
3. User Eligibility and Requirements
To use our services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Provide accurate and complete information
- Have the authority to enter into insurance contracts
- Comply with all applicable laws and regulations
🚨 TCPA CONSENT AND COMMUNICATION AGREEMENT
IMPORTANT NOTICE: By providing your phone number and submitting a request through our website, you expressly consent to the following:
Consent to Contact
You agree that SecurePlans, our licensed insurance partners, agents, and authorized representatives may contact you at the phone number you provide, including by:
- Automated calls and text messages using automatic telephone dialing systems
- Prerecorded or artificial voice messages
- Live agent calls during reasonable business hours
- SMS text messages with quotes, updates, and service information
Wireless Number Consent
If you provide a wireless/cellular phone number, you specifically consent to receiving calls and texts at that number, even if it may result in charges to you from your wireless carrier.
Frequency and Opt-Out
- You may receive multiple contacts per day initially, then periodic follow-ups
- You can opt out at any time by texting "STOP" to any text message
- You can call us at (800) 555-0123 to be removed from calling lists
- Opting out may prevent you from receiving important service updates
Legal Basis
This consent is given pursuant to the Telephone Consumer Protection Act (TCPA) and state regulations. Your consent is not required as a condition of purchasing insurance services.
4. User Obligations and Conduct
You agree to:
- Provide accurate, current, and complete information
- Update information promptly when it changes
- Use services only for lawful purposes
- Not interfere with or disrupt our services
- Not attempt to gain unauthorized access to our systems
- Comply with all applicable laws and regulations
5. Insurance Services and Disclaimers
Marketing Service
SecurePlans operates as a marketing and lead generation service. We:
- Connect you with licensed insurance professionals
- Facilitate quotes and comparisons
- Do not directly sell or underwrite insurance policies
- Are not affiliated with any specific insurance company
No Guarantee of Coverage
We cannot guarantee that:
- You will qualify for any specific insurance product
- Any particular rates or terms will be available
- Coverage will be approved or issued
- Claims will be paid by insurance companies
6. Fees and Compensation
Our services are generally free to consumers. We may receive compensation from insurance partners when you purchase coverage through our referrals. This compensation does not affect the rates you pay for insurance.
7. Privacy and Data Protection
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.
8. Intellectual Property
All content on our website, including text, graphics, logos, and software, is owned by SecurePlans or our licensors. You may not copy, modify, or distribute our content without written permission.
9. Disclaimers and Limitations of Liability
Service Disclaimers
Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.
Limitation of Liability
To the maximum extent permitted by law, SecurePlans shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.
10. Indemnification
You agree to indemnify and hold harmless SecurePlans from any claims, damages, or expenses arising from your use of our services or violation of these terms.
11. Third-Party Services
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of these external services.
12. Termination
We may terminate or suspend your access to our services at any time, with or without notice, for any reason, including violation of these terms.
13. Governing Law and Disputes
These terms are governed by the laws of [Your State]. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
14. Changes to Terms
We may update these terms periodically. Significant changes will be posted on our website with an updated effective date. Your continued use constitutes acceptance of revised terms.
15. Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
16. Contact for Legal Matters
For legal questions about these terms or TCPA compliance, contact:
- Legal Department: legal@secureplans.online
- TCPA Opt-Out: (800) 555-0123
- Compliance Officer: compliance@secureplans.online
Contact Information
For questions about these Terms of Service:
SecurePlans
Email: support@secureplans.online
Phone: (800) 555-0123
Address: [Your Business Address]
Hours: Monday - Sunday, 8 AM - 10 PM EST
Agreement: By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.