Terms of Service

Everette Financial Solutions Effective Date: November 13, 2026

Welcome to Everette Financial Solutions. These Terms of Service ("Terms") govern your access to and use of our website and our life insurance consultation and related services (together, the "Services"). By using our website or Services, you agree to these Terms. If you do not agree, please do not use the Services.

These Terms should be read together with our Privacy Policy, which explains how we collect, use, and protect your personal information.

1. Who We Are and What We Do

Everette Financial Solutions ("we," "us," or "our") provides life insurance consultations and helps clients explore, compare, and apply for life insurance products offered by third-party insurance carriers. We are not an insurance carrier. Insurance coverage is provided and underwritten solely by the carriers whose products we offer.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding agreement to use our Services. By using the Services, you confirm that you meet these requirements.

3. Nature of Our Services

  • Informational purposes. Content on our website and information shared during consultations is provided for general informational purposes. It is not legal, tax, or investment advice. You should consult a qualified attorney, tax professional, or financial advisor about your specific situation.

  • No guarantee of coverage. A consultation, quote, or application does not create insurance coverage. Coverage begins only when a carrier approves your application, issues a policy, and any required premium is paid, according to the terms of that policy.

  • Quotes and estimates. Any quotes or illustrations we provide are estimates. Final eligibility, pricing, and terms are determined by the carrier after underwriting and may differ from initial estimates.

4. Your Responsibilities

You agree to:

  • Provide accurate, complete, and current information, including health, financial, and personal details requested for consultations or applications

  • Understand that providing false or incomplete information may result in denial of coverage, cancellation of a policy, or denial of a claim by the carrier

  • Keep any account credentials or communications with us confidential

  • Use the Services only for lawful purposes

5. Third-Party Carriers and Service Providers

Policies are issued under the carrier's own terms, conditions, and privacy practices. Your relationship regarding any policy, including premiums, claims, and policy changes, is with the carrier. We are not responsible for a carrier's underwriting decisions, claim decisions, or other acts or omissions. We may work with payment processors and other service providers to deliver the Services, as described in our Privacy Policy.

6. Fees and Payments

Unless otherwise agreed in writing, our consultations are provided at no direct charge to you, and we may be compensated by insurance carriers through commissions or other compensation. Premiums are set by the carrier and are paid according to the policy terms. If any fees apply to a specific service, we will disclose them to you before you incur them.

7. Communications Consent

By providing your phone number or email address, you agree that we may contact you about your inquiries, applications, and policies by phone, text message, and email. Marketing communications are sent only with your consent, and you may opt out at any time by following the instructions in the message or by contacting us. Message and data rates may apply to text messages.

8. Intellectual Property

All content on our website, including text, graphics, logos, and design, is owned by or licensed to Everette Financial Solutions and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission, except for your own personal, non-commercial use.

9. Prohibited Conduct

You agree not to:

  • Submit false, misleading, or fraudulent information, including insurance fraud

  • Impersonate another person or submit another person's information without authorization

  • Interfere with, disrupt, or attempt to gain unauthorized access to our website, systems, or data

  • Use automated tools to scrape or extract data from our website

  • Use the Services in violation of any applicable law or regulation

We may suspend or end your access to the Services if you violate these Terms.

10. Links to Other Websites

Our website may contain links to third-party websites. We do not control and are not responsible for their content, policies, or practices. Accessing third-party sites is at your own risk.

11. Disclaimer of Warranties

The Services and our website are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

12. Limitation of Liability

To the fullest extent permitted by law, Everette Financial Solutions and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising out of or related to your use of the Services. Our total liability for any claim relating to the Services will not exceed the amount you paid us directly, if any, for the Services giving rise to the claim. Nothing in these Terms limits liability that cannot be limited under applicable law.

13. Indemnification

You agree to indemnify and hold harmless Everette Financial Solutions and its owners, employees, and agents from claims, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Services.

14. Termination

You may stop using the Services at any time. We may suspend or terminate your access at any time if we reasonably believe you have violated these Terms or if we discontinue the Services. Sections that by their nature should survive termination, including intellectual property, disclaimers, limitation of liability, and indemnification, will remain in effect.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of law rules. Any dispute arising out of or relating to these Terms or the Services will be brought in the state or federal courts located in New Jersey, and you consent to their jurisdiction, unless applicable law requires otherwise.

16. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Services after changes are posted means you accept the updated Terms.

17. General

These Terms, together with our Privacy Policy, are the entire agreement between you and Everette Financial Solutions regarding the Services. If any part of these Terms is found unenforceable, the remaining parts will stay in effect. Our failure to enforce any provision is not a waiver of that provision.

18. Contact Us

If you have any questions about these Terms, please contact us at:

Everette Financial Solutions everettefinancialsolutions@outlook.com (551) 382-7722