Terms of Use and Privacy Policy

You must be at least 18 years old and located within the United States to use our Site and Services. By using the Site, you represent and warrant that you meet these requirements.

You agree to use the Site and Services only for lawful purposes and not to:

• Engage in fraudulent, illegal, or unauthorized activities

• Impersonate any person or entity

• Submit false, misleading, or incomplete information

• Attempt unauthorized access to any part of the Site or its systems

• Upload or transmit viruses, malware, bots, or any harmful code

We reserve the right to suspend or terminate access to the Site for violations of these Terms.

All materials on the Site are for general informational purposes only and do not constitute legal, financial, or insurance advice. Descriptions of insurance coverage, product availability, underwriting guidelines, and pricing may vary by state and are subject to change without notice. Nothing on this Site constitutes a binding offer, guarantee of coverage, or final quote.

We offer the following insurance products through licensed carriers, subject to availability and underwriting approval:

• Accident & Sickness Insurance – Covers eligible medical expenses and income replacement due to illness or injury.

• Property & Casualty Insurance – Protects physical property from losses due to perils like fire or theft, and provides various types of liability policies, such as the general liability, etc.

• Life Insurance – Provides financial protection to your beneficiaries upon death.

• Property Insurance – Comprehensive coverage for physical assets.

• Title Insurance – Protects buyers/lenders from financial loss due to defects in property titles such as undiscovered liens, ownership disputes, or filing errors.

• Travel Accident & Sickness Insurance – Offers emergency medical coverage while traveling internationally or domestically, including hospitalization, evacuation, or accidental injury benefits.

• Travel Ticket Insurance – Reimburses prepaid travel expenses in cases of trip cancellations, interruptions, delays, or other covered disruptions.

Quotes and Applications:

Submitting a request or application via the Site does not guarantee coverage. All applications are subject to carrier underwriting and approval. We may decline or cancel requests at our sole discretion in accordance with the law.

If you create an account or submit forms:

• You are responsible for maintaining the confidentiality of your login credentials

• You agree to provide accurate and current information

• You must not share your account or use another's login

• We are not liable for losses from unauthorized use due to your failure to safeguard your account

All content on this Site—including text, graphics, logos, software, documents, layout, design, and media—is the property of Faith Hope Love Group or its licensors and is protected by intellectual property laws.

You may download or print materials for personal, non-commercial use only. Any reproduction, distribution, modification, or public display without our written consent is strictly prohibited.

Our Site may contain links to third-party websites or services. These are provided for your convenience only.

We do not control or endorse any third-party content and are not responsible for their availability, accuracy, or privacy practices. Your use of third-party sites is at your own risk and subject to their terms.

At Faith Hope Love Group, we respect your privacy and are committed to protecting your personal information. This section explains how we collect, use, disclose, and safeguard your data when you visit our Site or use our Services.

Information We Collect:

• Personal Information: Name, address, phone number, email, date of birth, Social Security number, driver's license, health details, and other information necessary for insurance applications.

• Non-Personal Information: IP address, browser type, pages visited, and other anonymous website usage data.

• Third-Party Information: Information from carriers, quoting engines, or referral partners, if applicable.

How We Use Your Information:

• Provide insurance quotes and policy recommendations

• Process applications and manage insurance policies

• Respond to inquiries or service requests

• Meet legal, regulatory, or compliance requirements

• Improve our website and marketing efforts

How We Share Your Information:

• Licensed insurance carriers for quoting and underwriting

• Regulatory or legal authorities as required by law

• With your consent, for any other purpose you approve

Very Important Note: We do not sell your personal information to third parties.

Data Security:

We implement industry-standard safeguards to protect your data, including encryption, firewalls, and secure servers. However, no data transmission over the internet can be guaranteed 100% secure.

Cookies and Tracking:

We may use cookies and similar technologies to enhance user experience, gather analytics, and remember preferences. You can disable cookies through your browser settings, though this may impact site functionality.

Your Rights:

Depending on your location, you may have the right to:

• Access, correct, or delete your personal data

• Opt out of marketing communications

• Withdraw consent for data processing

• File a complaint with a data protection authority

To exercise your rights, contact us at: info@hopefaithlovegroup.com

The Site and all Services are provided "as is" and "as available" without any warranties, express or implied. We do not guarantee that:

• The Site will be uninterrupted, secure, or error-free

• The content will always be current, accurate, or reliable

• The Site is free from viruses or harmful components

To the maximum extent allowed by law, we disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, Faith Hope Love Group is not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site, Services, or reliance on its content. This limitation applies regardless of the legal theory and even if we were advised of the possibility of such damages.

We may suspend, restrict, or terminate your access to the Site or Services at our discretion, with or without notice, for any reason, including violations of these Terms.

We may update this Agreement at any time. When we do, we will revise the "Effective Date" at the top of this page. Continued use of the Site after changes have been made constitutes your acceptance of the updated Terms. We encourage you to review this Agreement regularly.

These Terms are governed by the laws of the State of Georgia, without regard to its conflict of law rules. Any disputes shall be exclusively resolved in the courts located in Georgia.

These Terms and our Privacy Policy constitute the entire agreement between you and Faith Hope Love Group regarding your use of this Site and supersede all prior or contemporaneous communications, whether oral or written.