Terms of Service

1. Acceptance of Terms

By accessing or using the Lane Life & Legacy website (lanelifelegacy.com), requesting insurance quotes, or engaging our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

2. About Lane Life & Legacy

Lane Life & Legacy is the marketing name for John Lane, an independent insurance broker. We are not an insurance company but act as an intermediary between consumers and licensed insurance carriers to help you find appropriate insurance coverage.

3. Our Services

Insurance Brokerage Services

• Quote comparison from multiple insurance carriers
• Insurance consultation and education
• Application assistance and support
• Policy review and recommendations

Website Services

• Insurance information and resources
• Online quote request forms
• Educational content about insurance products
• Agent consultation scheduling

4. Eligibility and License Information

Geographic Limitations

Our services are available to residents of the states where John Lane maintains proper insurance licenses. Currently, we are licensed to serve residents of:

Age Requirements

You must be at least 18 years old to request quotes or purchase insurance through our services.

5. Quote Process and Information Accuracy

Your Responsibilities

• Provide accurate and complete information when requesting quotes
• Disclose all relevant health, lifestyle, and financial information
• Update us promptly of any changes that may affect your insurance application
• Review all policy documents carefully before signing

Our Responsibilities

• Provide quotes from licensed, reputable insurance carriers
• Explain policy terms and coverage options clearly
• Maintain confidentiality of your personal information
• Assist with the application and claims process as needed

6. No Guarantee of Coverage

While we work to help you find appropriate insurance coverage, we cannot guarantee:

• That any specific insurance company will approve your application
• Specific premium rates or policy terms
• Coverage for all medical conditions or circumstances
• That coverage will remain in force if premiums are not paid

7. Fees and Compensation

No Direct Fees to You

We do not charge direct fees to consumers for our quote comparison or consultation services.

Carrier Compensation

We receive compensation from insurance carriers in the form of commissions when policies are purchased. This compensation does not increase the cost of your insurance premiums.

Transparency

We will disclose any potential conflicts of interest and always recommend coverage based on your needs, not our compensation structure.

8. Privacy and Data Protection

Information Collection

We collect personal information necessary to provide insurance quotes and services, including:

• Contact information (name, address, phone, email)
• Health and lifestyle information
• Financial information relevant to insurance applications

Information Use

Your information is used solely to:

• Provide requested insurance quotes and services
• Communicate about your insurance needs
• Comply with regulatory requirements
• Improve our services

9. Website Usage

Permitted Use

You may use our website to:

• Request insurance quotes and information
• Access educational resources about insurance
• Contact our licensed agents for consultation

Prohibited Activities

You may not:

• Provide false or misleading information
• Attempt to circumvent our security measures
• Use automated tools to scrape content or submit forms
• Interfere with the proper functioning of our website
• Violate any applicable laws or regulations

10. Intellectual Property

Our Content

All content on our website, including text, images, logos, and design elements, is owned by Lane Life & Legacy or our licensors and is protected by copyright and trademark laws.

Your License

We grant you a limited, non-exclusive license to access and use our website for personal, non-commercial purposes related to obtaining insurance information and services.

11. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the content, privacy practices, or terms of service of these third-party sites.

12. Disclaimers and Limitations

Service Availability

We strive to maintain website availability but cannot guarantee uninterrupted access. We may temporarily suspend services for maintenance or updates.

Information Accuracy

While we work to provide accurate information, insurance terms, rates, and availability can change frequently. Always refer to official policy documents for definitive coverage information.

Professional Advice

Our services do not constitute legal, tax, or financial advice. Consult appropriate professionals for advice specific to your situation.

13. Limitation of Liability

To the maximum extent permitted by law, Lane Life & Legacy and John Lane shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from website unavailability or technical issues
• Actions or omissions of third-party insurance carriers

14. Indemnification

You agree to indemnify and hold harmless Lane Life & Legacy and John Lane from any claims, damages, or expenses arising from:

• Your use of our website or services
• Your violation of these Terms
• Your provision of inaccurate or misleading information
• Your violation of any applicable laws or regulations

15. Regulatory Compliance

Insurance Regulations

Our services are subject to state insurance regulations. We maintain all required licenses and comply with applicable laws in states where we conduct business.

Complaints Process

If you have a complaint about our services, please contact us first at [email protected] or (904) 344-5584. If we cannot resolve your concern, you may contact the insurance department in your state.

16. Modifications to Terms

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices. We will notify users of material changes by:

• Posting updated Terms on our website
• Updating the "Last Updated" date
• Providing notice to active customers via email when appropriate

17. Termination

Your Right to Terminate

You may stop using our services at any time. If you have active insurance policies, contact us about ongoing service needs.

Our Right to Terminate

We may terminate or suspend your access to our services if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent activity
• Fail to cooperate with legitimate business requirements

18. Governing Law and Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Dispute Resolution

We encourage direct communication to resolve any disputes. For formal disputes that cannot be resolved through discussion:

• Claims under $10,000 may be submitted to binding arbitration
• Larger claims may be resolved through Florida state courts
• You retain the right to file complaints with state insurance departments

19. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

20. Contact Information

For questions about these Terms of Service, please contact: