Terms & Conditions

A legal disclaimer

Last Updated: October 1, 2025

Welcome to Global Help Life (“we,” “us,” “our,” “Global Help Life”). These Terms & Conditions (“Terms”) govern your access to and use of our website at globalhelplife.com and any related services, features, or content (collectively, the “Site”). By accessing or using the Site (or any portion thereof), you agree to these Terms. If you do not agree, please do not use the Site.

1. Services Offered & Scope

1.1 Insurance & Related Services
Global Help Life provides information, assistance, and quotes related to various insurance products (e.g. health insurance, Medicare, dental, vision, final expense insurance, mortgage protection) (“Services”). We act as a referral, broker, or intermediary (as applicable), not as the insurer, unless otherwise explicitly stated.

1.2 No Guarantee of Enrollment or Coverage
While we endeavor to provide accurate and timely information, use of the Site does not guarantee that you will qualify for any particular insurance product, or that your application will be approved. All coverage decisions rest with insurers or applicable regulatory authorities.

1.3 Geographic Limitations
Our Services may only be available in certain states. We reserve the right to restrict access or availability to users from jurisdictions where we are not licensed or cannot lawfully provide Services.

1.4 Changes to Services
We may modify, suspend, or discontinue any part of the Site or Services (temporarily or permanently) without notice.

2. Use of the Site

2.1 Eligibility
You must be at least 18 years old (or of legal age in your jurisdiction) to use this Site. By using the Site, you represent and warrant that you meet this requirement.

2.2 User Accounts (if applicable)
If you register an account or provide personal information, you must provide accurate, current, and complete information. You are responsible for safeguarding your login credentials and for all activity under your account.

2.3 Prohibited Conduct
You must not:

Use the Site for any illegal purpose or in violation of applicable laws or regulations.
Submit false, misleading, or fraudulent information or misrepresent your identity.
Interfere with or disrupt the Site, its servers, or networks.
Use automated means (robots, scrapers, etc.) to access or collect content from the Site, unless authorized.
Attempt to harm, exploit, or reverse-engineer the Site.

3. Intellectual Property

3.1 Ownership
All content, design, logos, graphics, text, images, videos, software, and other materials on the Site (“Content”) are owned or licensed by Global Help Life or its affiliates. They are protected by copyright, trademark, and other intellectual property laws.

3.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to view and use the Site and Content for your personal, non-commercial use, subject to these Terms. You may not copy, reproduce, publish, distribute, modify, create derivative works, or exploit Content without our prior written permission.

3.3 Trademarks
All trademarks, service marks, logos, and trade names (“Marks”) displayed on the Site are our property or the property of their respective owners. You may not use them without permission.

4. Privacy & Personal Information

Your use of the Site is also governed by our Privacy Policy, which is incorporated herein by reference. Please review it to understand how we collect, use, and protect your personal information.

5. Disclaimers & Limitations of Liability

5.1 No Warranty
THE SITE, SERVICES, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

We do not guarantee that the Site will be error-free, uninterrupted, secure, or free of harmful components (viruses, malware, etc.).

5.2 Accuracy & Reliance
We strive for accuracy, but we do not warrant that the information is complete, reliable, or up-to-date. You should verify any information, quotes, or details with the insurer or a licensed professional.

You acknowledge that any reliance you place on the content is at your own risk.

5.3 Limitation of Liability
IN NO EVENT SHALL GLOBAL HELP LIFE (OR ITS AFFILIATES, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOST PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, DAMAGES FOR NEGLIGENCE, ETC.), ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, SERVICES, OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising out of or relating to these Terms or the Site shall be limited to the greater of (a) the total amount you paid, if any, for use of the Site, or (b) USD 100.

5.4 Indemnification
To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless Global Help Life and its officers, directors, employees, agents, affiliates, licensors, and suppliers from and against all claims, losses, liabilities, damages, judgments, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your breach of these Terms, or your violation of any law or rights of a third party.

6. Third-Party Links & Resources

6.1 Links to Third-Party Websites
The Site may contain links to third-party websites or resources (insurers, state agencies, content partners). We are not responsible for the accuracy, content, or practices of those third parties, nor do we endorse them. Accessing them is at your own risk.

6.2 Third-Party Services
Any use of third-party tools, plugins, or services (e.g. payment processors, quoting tools) is subject to separate terms and conditions of those providers.

7. Insurance Disclosures & Regulatory Compliance

7.1 Not an Insurer
Unless otherwise explicitly indicated, we are not the insurer, and we do not issue policies or guarantee acceptance. We facilitate or provide access to insurance options.

7.2 Licensing & Jurisdiction
We operate in jurisdictions where we are properly licensed or authorized. You agree to comply with all applicable laws and regulations in your jurisdiction regarding insurance and online services.

7.3 No Financial or Legal Advice
The Content and Services provided are for informational purposes only and do not constitute legal, financial, or medical advice. You should consult qualified professionals for your specific needs.

8. Payments & Fees

If in the future we charge for any Services, you will pay all fees as described on the Site or in your agreement with us. You authorize us to charge your payment method for the fees owing. All fees are non-refundable unless otherwise stated.

9. Termination & Suspension

9.1 Termination by Us
We may suspend or terminate your access (or part thereof) to the Site or Services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or us.

9.2 Effect of Termination
Upon termination, all rights granted to you under these Terms shall cease. Sections that by their nature should survive termination (e.g. intellectual property, disclaimers, limitation of liability, indemnification) will still apply.

10. Changes to Terms

We may revise these Terms at any time by posting a new version on the Site. The “Last Updated” date at the top will reflect the change. Continued use of the Site after revisions constitutes your acceptance of the updated Terms.

11. Governing Law & Dispute Resolution

11.1 Governing Law
These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the State of [Insert State, e.g. Texas], without regard to conflict-of-laws principles.

11.2 Dispute Resolution / Arbitration
To the extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved by binding arbitration conducted in [Insert city, state] under the rules of [insert arbitration provider, e.g. American Arbitration Association]. The decision and award of the arbitrator shall be final and binding. Each party shall bear its own costs and attorneys’ fees, unless the arbitrator determines otherwise.

11.3 Small Claims / Injunctive Relief
Nothing in these Terms prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction (e.g. to prevent unauthorized use of intellectual property). Claims under a certain monetary threshold may be brought in small claims court instead of arbitration.

12. Miscellaneous

Severability: If any provision of these Terms is held invalid or unenforceable, the remainder of the Terms will remain in effect.
Entire Agreement: These Terms, together with the Privacy Policy and any additional terms you agree to, constitute the entire agreement between you and us regarding the Site.
Waiver: No waiver of any provision or right will be effective unless in writing.
Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in whole or in part.
Notices: We may send notices (e.g. changes to Terms) via email, through the Site, or to any address you provide. You consent to receive notices electronically.