Terms of Service

Effective Date: January 1, 2025

Agreement to Terms

By accessing or using the Heritage Life Solutions Inc. website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use my website or services.

These terms apply to all visitors, users, and others who access or use my website located at heritagelifesolutions.com.

Description of Services

Heritage Life Solutions Inc., operated by Dominic Franchi, provides insurance brokerage services as an independent licensed insurance agent. My services include:

• Life insurance education and consultation
• Insurance needs analysis
• Quote comparison from multiple insurance carriers
• Policy application assistance
• Ongoing policy service and support
• Retirement planning guidance related to insurance products

I am a licensed insurance producer in the State of Illinois (License #7318234, NPN: 7318234). I am not a captive agent and work with multiple insurance carriers to find solutions that fit your needs.

No Insurance Contract Through This Website

This website provides general information about life insurance and related financial products. The information on this website does not constitute an insurance contract, policy, or guarantee of coverage.

• Actual coverage is determined solely by the terms and conditions of the policy issued by the insurance carrier
• All product guarantees and benefits are subject to the claims-paying ability of the issuing insurance company
• Quotes provided are estimates only and may change based on underwriting

Not Financial, Legal, or Tax Advice

The information provided on this website and through my services is for general educational purposes only. It is not intended as:

• Specific financial advice
• Legal advice
• Tax advice
• Investment advice

I recommend consulting with qualified professionals (such as attorneys, accountants, or financial advisors) for advice specific to your personal situation. Insurance decisions should be made in consultation with qualified professionals who understand your complete financial picture.

Your Responsibilities

When using my website and services, you agree to:

• Provide accurate, current, and complete information
• Not misrepresent your identity, health status, or other material facts
• Use the website and services only for lawful purposes
• Not attempt to interfere with the proper functioning of the website
• Not reproduce, duplicate, or exploit any portion of the website without express written permission

Accuracy of Information

It is your responsibility to provide accurate and complete information when requesting quotes or applying for insurance. Material misrepresentations may result in policy cancellation, claim denial, or other adverse consequences.

Intellectual Property

The content on this website, including text, graphics, logos, images, and software, is the property of Heritage Life Solutions Inc. or its content suppliers and is protected by copyright and other intellectual property laws.

You may not:

• Copy, modify, or distribute website content without permission
• Use any Heritage Life Solutions Inc. trademarks or logos without written consent
• Remove any copyright or proprietary notices from materials obtained from the website

Third-Party Links and Content

My website may contain links to third-party websites, including insurance carrier sites, government resources, and educational materials. I provide these links for your convenience but:

• Do not endorse or assume responsibility for third-party content
• Am not responsible for the privacy practices of third-party sites
• Encourage you to review the terms and privacy policies of any sites you visit

Disclaimer of Warranties

My website and services are provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

I do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or other harmful components

Limitation of Liability

To the fullest extent permitted by law, Heritage Life Solutions Inc. and Dominic Franchi shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use or inability to use the website
• Any errors or omissions in website content
• Unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from the website
• Any decisions made based on information provided on this website

This limitation applies regardless of the legal theory under which damages are sought.

Indemnification

You agree to indemnify and hold harmless Heritage Life Solutions Inc. and Dominic Franchi from any claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from:

• Your use of the website
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any misrepresentation of information you provide

Insurance Regulations Compliance

As a licensed insurance professional, I am required to comply with Illinois Department of Insurance regulations and applicable federal laws. These Terms of Service do not override any regulatory requirements or consumer protections provided by law.

Modifications to Terms

I reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

I encourage you to review these Terms of Service periodically for any changes.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts located in Cook County, Illinois.

Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

Entire Agreement

These Terms of Service, together with the Privacy Policy, constitute the entire agreement between you and Heritage Life Solutions Inc. regarding your use of the website and supersede any prior agreements or understandings.