1. Use of Our Services

You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You may not:

• Submit false or misleading information

• Use the Site in a way that violates any applicable law, regulation, or insurance guideline

• Attempt to gain unauthorized access to the Site or its systems

• Interfere with the proper functioning of the Site

You must be at least 18 years old (or the legal age of majority in your jurisdiction) to use our Services.

2. No Insurance or Legal Advice

All information presented on this Site is for informational purposes only and should not be considered legal, tax, or medical advice. EverLife is an independent insurance agency, and our licensed agents may offer guidance regarding insurance products.

Final decisions regarding any insurance policy should be made after a personal consultation with a licensed agent and review of official plan documents.

3. CMS and Medicare Disclosures

If you are using our Services to explore Medicare Advantage, Medicare Supplement (Medigap), or Prescription Drug Plans:

• You are not required to provide any personal health information unless you choose to do so.

• We only share your information with licensed agents or approved plan providers.

• Any marketing activity complies with CMS marketing guidelines, including Scope of Appointment and TCPA compliance (e.g., consent to contact)

• Our agents may not offer every plan available in your area.

• Any enrollment decisions should be based on your individual needs and plan details.

4. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, icons, audio/video clips, and code, is the property of EverLife or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, distribute, modify, reproduce, or exploit any content without our prior written consent.

5. Third-Party Links and Services

Our Site may contain links to third-party websites or services that are not owned or controlled by EverLife. We are not responsible for the content, terms, or privacy practices of those third parties. Use them at your own risk.

6. Disclaimer of Warranties

The Site and all Services are provided on an “as-is” and “as-available” basis. We make no warranties or representations about the accuracy, reliability, or availability of the Site or the information it contains.

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

To the fullest extent permitted by applicable law, EverLife shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site or Services, including but not limited to loss of data, business interruption, or unauthorized access.

Our total liability shall not exceed $100 or the amount you paid us, if any, for use of the Services in the past 12 months.

8. User Submissions

If you provide feedback, testimonials, or suggestions, you grant EverLife a non-exclusive, royalty-free, worldwide, perpetual license to use, modify, and display that content for business or marketing purposes.

9. Termination

We reserve the right to suspend or terminate your access to the Site or Services at any time, with or without notice, if we believe you have violated these Terms or applicable laws.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in Utah County, Utah.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top. Continued use of the Site after changes are posted constitutes acceptance of those changes.

12. Contact Us

If you have questions about these Terms or our Services, contact us at:

EverLife Advisors, LLC
1600 Ashton Blvd, Lehi, UT 84043
Email: support@everlife.com