Last Updated: October 21, 2026
IMPORTANT LEGAL NOTICE
PLEASE READ THESE TERMS AND CONDITIONS AND CONSENT AGREEMENT CAREFULLY BEFORE ACCESSING OR USING ANY WEBSITE, LANDING PAGE, EDUCATIONAL RESOURCE, FREE GUIDE, DOWNLOADABLE MATERIAL, CONSULTATION, OR OTHER SERVICE PROVIDED BY QUINN CONSULTING.
THIS AGREEMENT CONTAINS IMPORTANT PROVISIONS REGARDING EDUCATIONAL INFORMATION, INSURANCE-RELATED SERVICES, PAYMENT OBLIGATIONS, REFUND LIMITATIONS, MARKETING COMMUNICATIONS, LIMITATIONS OF LIABILITY, INDEMNIFICATION, AND DISPUTE RESOLUTION. IT ALSO CONTAINS AN ARBITRATION AGREEMENT, JURY TRIAL WAIVER, AND CLASS ACTION WAIVER THAT MAY AFFECT YOUR LEGAL RIGHTS TO THE EXTENT ENFORCEABLE UNDER APPLICABLE LAW.
BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE HAD THE OPPORTUNITY TO REVIEW THIS AGREEMENT. WHERE ACCEPTANCE IS REQUIRED, YOU AGREE TO BE BOUND BY THE APPLICABLE TERMS. WHERE SEPARATE AFFIRMATIVE CONSENT IS REQUIRED BY LAW, INCLUDING CONSENT TO CERTAIN MARKETING CALLS, TEXT MESSAGES, OR AUTOMATED COMMUNICATIONS, SUCH CONSENT MUST BE OBTAINED SEPARATELY AND WILL NOT BE IMPLIED SOLELY BY YOUR USE OF A WEBSITE OR DOWNLOAD OF A FREE RESOURCE.
This Agreement is intended to establish the terms governing access to educational materials, lead magnets, consultations, communications, and insurance-related services offered by Quinn Consulting.
1. PARTIES AND DEFINITIONS
1.1 Identification of the Parties
This Terms and Conditions and Consent Agreement (“Agreement”) is entered into between Quinn Consulting, operating under the business name Quinn Consulting (the “Company,” “Quinn Consulting,” “we,” “us,” or “our”), and the individual or legal entity accessing or using the Company's website, content, communications, or services (“you,” “your,” or the “User”).
The Company's legal organizational form, business address, applicable insurance license information, and other required business disclosures shall be identified separately where required by law. The name Quinn Consulting alone does not represent that the Company is a corporation, limited liability company, or other particular legal entity.
1.2 Definitions
For purposes of this Agreement:
a. “Website” means any website, landing page, online form, registration page, digital platform, or other online property operated or controlled by the Company.
b. “Services” means the educational materials, free informational products, downloadable resources, consultations, life insurance information, insurance-related services, lead generation activities, and other offerings made available by the Company.
c. “Content” means all written, spoken, visual, audio, video, digital, or recorded materials provided by the Company, including guides, articles, checklists, presentations, advertisements, illustrations, emails, text messages, and educational documents.
d. “Lead Magnet” means a free educational resource or informational product offered in connection with a request for information or submission of contact details, including guides, checklists, worksheets, reports, and similar materials.
e. “Personal Information” means information relating to an identified or identifiable individual that is collected or processed in connection with the Services.
f. “Marketing Communications” means communications intended to promote or advertise the Company's services, insurance-related offerings, consultations, or other products, subject to applicable consent and marketing laws.
g. “Insurer” means an insurance company or other insurance carrier that may issue, underwrite, administer, or provide an insurance product.
h. “Applicable Law” means all applicable federal, state, and local laws, regulations, licensing requirements, and legally enforceable rules governing the Company, the User, the Services, and related communications or transactions.
1.3 Acceptance and Eligibility
You represent that you have the legal capacity to enter into this Agreement. If you access or use the Services on behalf of another person or entity, you represent that you have authority to act on that person's or entity's behalf.
If you do not agree to the applicable terms, you must discontinue the use of the relevant Services.
1.4 Separate Agreements
Certain Services may be subject to additional agreements, disclosures, consent forms, purchase terms, privacy notices, or insurance documents. Those documents will apply to the relevant transaction and will control where they expressly govern a subject differently from this general Agreement, subject to mandatory law.
2. SCOPE OF SERVICES
2.1 General Description
Quinn Consulting is a life insurance agent offering free educational information and informational products to introduce individuals and households to life insurance concepts and the Company's services.
The Services may include:
a. Free educational guides, downloadable resources, and checklists;
b. Website forms, landing pages, advertisements, and registration pages;
c. Educational consultations concerning life insurance and household financial protection;
d. General discussions concerning life insurance needs, coverage amounts, policy ownership, beneficiaries, employer-provided coverage, premiums, and related considerations;
e. Follow-up communications concerning requested resources, consultations, and potentially relevant insurance services;
f. Information concerning insurance products that the Company is legally authorized to discuss or offer; and
g. Other educational or insurance-related services made available by the Company.
2.2 No Obligation to Purchase
Requesting a free resource, completing a form, or participating in an introductory consultation does not obligate you to purchase an insurance policy or any other product.
Any insurance application or purchase is subject to separate disclosures, application requirements, underwriting, policy terms, and applicable law.
2.3 Availability and Changes
The Company may add, modify, suspend, or discontinue Content or Services, subject to applicable law and existing contractual obligations.
The Company does not guarantee that any particular resource, consultation time, insurance product, insurer, coverage amount, or premium will remain available.
2.4 Insurance Licensing and Regulatory Compliance
The Company will conduct insurance-related activities only to the extent authorized by its applicable licenses, appointments, and governing law.
Any solicitation, recommendation, application assistance, or insurance transaction will be subject to the legal and regulatory requirements applicable to the specific activity.
Nothing in this Agreement expands the Company's authority beyond what is legally permitted or waives any duty imposed by insurance law.
3. EDUCATIONAL PURPOSE ONLY
3.1 General Educational Information
All general educational Content is provided for informational and educational purposes. The purpose of such Content is to help Users understand general life insurance concepts, identify questions to consider, and prepare for informed discussions concerning household protection.
Topics may include income replacement, housing expenses, outstanding debts, dependents, final expenses, existing life insurance, employer-provided benefits, policy ownership, and general insurance terminology.
3.2 No Complete Personal Assessment
Unless expressly provided through an appropriate and legally authorized service, general Content does not constitute a complete assessment of your individual insurance needs.
Examples, estimates, illustrations, hypothetical calculations, and coverage-gap discussions may omit relevant personal, financial, medical, legal, or underwriting factors. They must not be treated as a definitive determination of the amount or type of insurance appropriate for you.
3.3 No Reliance on General Content as a Final Recommendation
You agree not to rely exclusively on a free guide, advertisement, checklist, website statement, brief conversation, or hypothetical example when making a material insurance or financial decision.
You are responsible for verifying material information, reviewing relevant documents, and obtaining appropriate professional assistance where necessary.
3.4 Policy Documents Control
General explanations of insurance products are not substitutes for the actual policy, application, endorsements, disclosures, exclusions, limitations, and other documents issued by the insurer.
The applicable insurance contract and governing law determine the insurer's contractual obligations.
3.5 Changes in Information
Insurance products, premiums, eligibility standards, laws, and underwriting requirements may change. The Company does not guarantee that previously published Content will remain current or applicable to every User.
4. NO PROFESSIONAL ADVICE
4.1 No Legal Advice
The Company does not provide legal advice and does not create an attorney-client relationship with any User. Information concerning beneficiaries, policy ownership, estate planning, trusts, or related matters is not a substitute for advice from a qualified attorney.
4.2 No Tax Advice
The Company does not provide tax advice. No representation is made that an insurance policy, transaction, distribution, benefit, or payment will receive a particular tax treatment.
Tax consequences depend on individual circumstances, applicable law, policy provisions, and potentially future legislative or regulatory changes. You should consult a qualified tax professional when appropriate.
4.3 No Investment Advice
The Company does not provide investment advice merely by supplying educational Content or discussing life insurance.
If a product contains cash-value, investment-related, or other financial features, you must evaluate its specific costs, risks, terms, and regulatory disclosures. Nothing in the Services constitutes a recommendation to purchase or sell securities or any other investment instrument unless separately authorized and legally compliant.
4.4 No Fiduciary or Advisory Relationship by Default
To the extent permitted by applicable law, the provision of general educational Content, delivery of a free resource, or participation in an introductory consultation does not, by itself, create a fiduciary, attorney-client, tax-advisory, or investment-advisory relationship.
This provision does not disclaim or reduce any fiduciary, professional, statutory, or regulatory duty that the Company is legally required to perform in a particular relationship or transaction.
4.5 Non-Waivable Duties
Nothing in this Agreement excludes, limits, or waives a duty or right that cannot legally be excluded, limited, or waived.
5. NO GUARANTEES OR PROMISES OF RESULTS
5.1 No Guaranteed Financial Outcomes
The Company does not guarantee financial results, savings, income, insurance approval, policy performance, premium affordability, claim payment, income replacement, or any other financial outcome.
5.2 No Guarantee of Insurance Approval
All insurance applications are subject to the insurer's underwriting standards and requirements. An application may be approved, modified, postponed, or declined.
The Company does not guarantee that you will qualify for a particular policy, premium, benefit, coverage amount, or underwriting classification.
5.3 No Guarantee of Coverage Adequacy
The Company does not guarantee that any policy will address every financial responsibility, future expense, or potential loss. Insurance coverage is subject to the actual policy terms, exclusions, limitations, premium requirements, and applicable law.
5.4 No Income or Business Success Claims
Any statement concerning potential financial protection, budgeting, income replacement, savings, or other outcomes is informational and does not promise a specific result. The Company makes no guarantee of income, financial improvement, business success, or freedom from financial hardship.
5.5 Illustrations and Estimates
Any estimate, projection, example, or illustration is provided to explain general concepts and is not a guarantee of future benefits or performance. Actual results may differ materially from estimates.
6. LEAD MAGNETS AND FREE CONTENT
6.1 Free Resources
The Company may provide free guides, checklists, worksheets, educational documents, consultations, and similar resources in connection with a User's request or submission of contact information.
The Company may update, replace, restrict, or discontinue free resources, subject to applicable law and any express commitment made to the User.
6.2 Educational Limitations
Free resources are not necessarily customized to the User's financial position, household responsibilities, insurance history, medical circumstances, or personal objectives.
A resource may omit information material to a particular situation and must not be treated as a complete insurance evaluation.
6.3 No Purchase Requirement
Obtaining a free resource does not require you to purchase insurance, accept a recommendation, or enter into a paid agreement.
Any subsequent transaction is voluntary and subject to separate terms, disclosures, and applicable law.
6.4 Accuracy and Completeness
The Company endeavors to provide useful and understandable information but does not warrant that every free resource is complete, error-free, current, or appropriate for every individual.
Users should independently verify material information before relying on it to make a decision.
6.5 No Emergency Service
The Services are not intended to provide emergency assistance, guarantee immediate insurance coverage, or replace professional advice required for urgent legal, financial, or other matters.
7. CONSULTATIONS AND USER RESPONSIBILITIES
7.1 Nature of Consultations
Consultations may include discussions of general life insurance concepts, existing coverage, household responsibilities, possible coverage gaps, and insurance options that may be available.
The scope of any consultation depends on the service offered, the information supplied, the applicable licensing requirements, and the circumstances of the discussion.
7.2 Accuracy of User Information
You are responsible for providing information that is accurate and complete to the best of your knowledge when requesting a consultation or considering insurance options.
Material omissions or inaccurate information may affect the usefulness of a consultation or the outcome of an insurance application. You must answer insurance application questions truthfully and in accordance with the insurer's requirements.
7.3 No Coverage Created by a Consultation
A consultation, quote request, preliminary estimate, application discussion, or expression of interest does not itself establish insurance coverage.
Coverage becomes effective only as provided under the applicable policy and the insurer's contractual requirements.
7.4 Language Availability
The Company may offer information or consultations in English or Spanish where available. The availability of a particular language is not guaranteed for every communication, policy, document, or transaction.
Where a translation differs from the controlling insurance policy or legal document, the controlling document will govern to the extent required by applicable law.
7.5 Recording
This Agreement does not constitute blanket consent to record all telephone calls or consultations. Where recording is proposed, the Company will provide any notice and obtain any consent required by applicable law before recording.
8. PAYMENT TERMS
8.1 Fees and Charges
Certain Services may be offered free of charge. Where a paid product or service is offered, the applicable price, payment schedule, and material terms will be disclosed before the User becomes obligated to pay.
No fee is authorized solely by this Agreement unless you separately agree to the applicable paid transaction.
8.2 Payment Authorization
By completing a paid transaction, you authorize the payment method you designate to be charged the amount disclosed for that transaction, including recurring charges only where you have expressly agreed to the applicable recurring payment terms.
Consent to marketing communications does not constitute authorization to purchase a product or service.
8.3 Payment Processors
The Company may use third-party payment processors. Such providers may be subject to their own terms and privacy practices. The Company does not control independent payment processors' internal operations.
8.4 Insurance Premiums
Insurance premiums are generally governed by the insurer's policy and billing arrangements. Premiums owed to an insurer must be paid according to the applicable policy and payment instructions.
The Company does not assume responsibility for independent insurer billing decisions or third-party payment failures outside its control, except to the extent liability is imposed by law or arises from the Company's own legally actionable conduct.
8.5 Taxes
Applicable taxes and government-imposed charges will be disclosed where required by law. You remain responsible for taxes legally imposed on your purchases.
9. REFUND POLICY
9.1 General Non-Refundable Policy
Unless expressly stated otherwise in writing at the time of purchase or required by applicable law, payments for digital products, informational products, and paid services are non-refundable once the purchase is completed or the service has been delivered or performed.
9.2 Mandatory Legal Rights
Nothing in this policy eliminates any refund, cancellation, rescission, chargeback, or other right that cannot lawfully be waived.
A separate written refund policy or service agreement applicable to a particular purchase will govern to the extent of any inconsistency.
9.3 Free Resources
Free resources have no purchase price and are not eligible for monetary refunds.
9.4 Insurance Policy Refunds and Cancellations
Refunds, premium returns, free-look periods, policy cancellation rights, and other rights relating to an insurance policy are governed by the applicable policy and law, not solely by this Agreement.
9.5 Refund Requests
Refund requests permitted under an applicable written policy may be submitted to [email protected] with relevant transaction details. The Company will review the request according to the applicable terms and legal requirements.
10. ASSUMPTION OF RISK
10.1 Voluntary Use
You voluntarily access and use the Content and Services with the understanding that general educational information may not address every factor relevant to your circumstances.
10.2 Risk of Decision-Making
Decisions concerning life insurance coverage, policy ownership, beneficiaries, premiums, and household financial protection may have significant financial consequences.
You accept responsibility for evaluating your circumstances, verifying material information, reviewing policy documents, and obtaining appropriate professional advice before making decisions.
10.3 No Reliance on Incomplete Information
You agree not to treat a free guide, advertisement, hypothetical calculation, brief conversation, or isolated statement as a substitute for a complete review of the information relevant to your circumstances.
10.4 Legal Limits
This section applies only to the extent permitted by law. It does not excuse fraud, intentional misconduct, gross negligence where liability cannot lawfully be excluded, violations of applicable law, or other conduct for which liability cannot legally be disclaimed.
11. COMMUNICATIONS CONSENT
11.1 Service-Related Communications
When you provide contact information, request a resource, schedule a consultation, or contact the Company, the Company may use your information to respond to your request, deliver requested materials, administer appointments, provide service-related notices, and communicate concerning matters reasonably related to your inquiry, subject to applicable law.
11.2 Separate Marketing Consent
The Company may request separate consent to send promotional communications concerning life insurance services, educational resources, consultations, or related offerings.
Marketing consent is not a condition of purchasing goods or services where prohibited by law.
Submitting contact information, downloading a free resource, or accepting this Agreement does not automatically constitute consent to every type of marketing communication, particularly communications for which prior express written consent is legally required.
11.3 Calls and Text Messages
If you separately provide the consent required by applicable law, the Company and authorized service providers acting on its behalf may contact you at the telephone number you provide through calls or text messages, including communications using an automatic telephone dialing system or an artificial or prerecorded voice, where legally permitted and within the scope of your consent.
Communications may include responses to inquiries, appointment reminders, follow-up concerning requested information, and promotional messages about the Company's services.
Where prohibited by law, consent to such communications will not be required as a condition of purchasing goods or services.
11.4 Email Communications
By providing an email address, you authorize the Company to use that address for communications reasonably necessary to fulfill your request, deliver requested resources, administer appointments, and respond to your inquiries.
Promotional emails will be sent in accordance with applicable law, including requirements governing sender identification, commercial email practices, and unsubscribe mechanisms.
11.5 Automated Messaging
Where permitted by law and covered by the required consent, the Company may use automated messaging or communication technologies to send calls, texts, reminders, or promotional communications.
The Company will not treat this Agreement as blanket authorization to send communications that require separate consent unless that consent has been validly obtained.
11.6 Message Frequency and Charges
Communication frequency may vary based on your requests, the services you use, your preferences, and the scope of any consent provided.
Message and data rates may apply under your mobile carrier's plan. The Company does not control carrier charges.
11.7 Scope of Consent
Any communications consent is limited to the purposes, methods, telephone numbers, and communication types disclosed when consent is obtained. Consent does not authorize communications that exceed its scope or violate applicable law.
Where required, the Company will maintain appropriate consent records and honor restrictions applicable to telemarketing, do-not-call requirements, automated calls, prerecorded or artificial voice messages, and marketing texts.
11.8 Withdrawal of Consent
You may withdraw marketing consent at any time through the applicable opt-out instructions or by contacting the Company. Requests will be processed within the time required by law.
Withdrawal of marketing consent does not necessarily prevent legally permissible non-promotional communications required to administer an active transaction, respond to a request, or satisfy a legal obligation.
11.9 Applicable Laws
The Company intends to conduct its communications in accordance with applicable federal and state requirements, including, where applicable, the Telephone Consumer Protection Act, Federal Communications Commission rules, Federal Trade Commission rules, the CAN-SPAM Act, telemarketing regulations, and state consumer protection laws.
Nothing in this Agreement is intended to obtain consent that is invalid under applicable law or waive a User's non-waivable statutory rights.
12. OPT-OUT INSTRUCTIONS
12.1 Text Messages
If you receive marketing text messages from the Company and the message supports standard opt-out functionality, you may reply STOP to request that marketing text messages cease.
You may also contact [email protected] for assistance. A confirmation message may be sent where permitted or required by law.
Opting out of text messages may not automatically unsubscribe you from other communication channels.
12.2 Email
You may unsubscribe from promotional emails using the unsubscribe link included in the applicable email or by contacting [email protected].
The Company will process valid unsubscribe requests within the time required by law. Legally permissible transactional or service-related communications may continue.
12.3 Telephone Calls
You may request that the Company stop marketing calls by informing the representative during a call or contacting the Company using the details in this Agreement.
Where applicable, the Company will honor do-not-call requests and maintain suppression records as required by law.
12.4 No Opt-Out Fee
The Company will not charge a fee to process a marketing opt-out request. Standard carrier charges may nevertheless apply to communications sent through your telephone service.
12.5 Effect of Opt-Out
A valid opt-out request will be honored according to applicable law and the scope of the request. You may continue to access publicly available Content and request Services without consenting to marketing communications where such consent is not legally required.
13. PRIVACY AND PERSONAL INFORMATION
13.1 Collection and Use
The Company may collect information voluntarily provided by you, including your name, email address, telephone number, communication preferences, consultation details, and information relevant to your inquiry.
The Company may use such information to deliver requested materials, communicate with you, schedule consultations, administer Services, comply with legal obligations, and conduct other activities described in its applicable Privacy Policy.
13.2 Privacy Policy
The Company's collection, use, disclosure, retention, and protection of Personal Information are governed by its applicable Privacy Policy, if provided, and by applicable law.
This Agreement is not a substitute for a separate privacy notice where one is legally required. The Company should publish a privacy notice that accurately describes its practices before collecting Personal Information through website forms or advertising campaigns.
13.3 Service Providers
The Company may use third-party service providers for website hosting, email delivery, scheduling, customer relationship management, form processing, analytics, or related business functions, subject to applicable law and relevant contractual safeguards.
13.4 Sensitive Information
Do not submit Social Security numbers, payment card details, account credentials, detailed medical records, or other sensitive information through an ordinary website form or unsecured email unless the Company expressly provides an appropriate secure method and explains why the information is necessary.
Where an insurance application or underwriting process requires sensitive information, provide it only through authorized channels and according to the insurer's instructions.
13.5 Information Security
The Company will take reasonable steps appropriate to its circumstances to protect information it controls. However, no electronic transmission or storage system can be guaranteed to be completely secure.
Nothing in this section limits data security, breach notification, or privacy obligations imposed by applicable law.
14. INTELLECTUAL PROPERTY RIGHTS
14.1 Ownership
Unless otherwise identified, the Content and Services, including original educational guides, text, checklists, templates, presentations, graphics, branding, website materials, and training documents, are owned by or licensed to the Company and are protected by applicable intellectual property laws.
14.2 Proprietary Frameworks and Systems
The Company's proprietary materials may include original educational frameworks, systems, processes, methodologies, presentation structures, training materials, written explanations, templates, and compilations of information.
The Company retains all rights in such materials to the extent protected by law. Nothing in this Agreement transfers ownership of those rights to a User.
14.3 Limited License
Subject to compliance with this Agreement, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use free Content for your personal, non-commercial educational purposes.
This license does not authorize resale, redistribution, commercial exploitation, public posting, or creation of competing products using the Company's proprietary Content without prior written permission.
14.4 Prohibited Reproduction
Except as permitted by law or expressly authorized in writing, you may not:
a. Copy, reproduce, republish, distribute, or sell proprietary Content;
b. Remove copyright notices, trademarks, proprietary notices, or attribution;
c. Modify or create derivative works from proprietary materials for commercial distribution;
d. Use Content to develop, market, or distribute a competing paid resource;
e. Reproduce proprietary frameworks, systems, or training materials as your own; or
f. Use automated tools to scrape, extract, or systematically reproduce substantial portions of the Website or Content.
14.5 Trademarks
The name Quinn Consulting and any associated logos, trade names, and branding may be protected by applicable law. No right to use the Company's marks is granted except as expressly authorized in writing.
14.6 Reservation of Rights
All rights not expressly granted to you are reserved by the Company or the relevant rights holder.
15. ACCEPTABLE USE OF MATERIALS
You agree to use the Website and Services only for lawful purposes and in compliance with this Agreement.
You must not:
a. Use the Services to engage in fraud, deception, harassment, unlawful solicitation, or other unlawful conduct;
b. Submit information you know to be materially false for the purpose of misleading the Company or an insurer;
c. Interfere with the Website's security, operation, or availability;
d. Attempt unauthorized access to systems, accounts, or data;
e. Upload malicious code or engage in conduct that compromises the integrity of the Services;
f. Misrepresent the Company's statements, services, or insurance offerings;
g. Use Content in a manner that falsely implies Company endorsement, certification, or authorization; or
h. Use the Services in violation of another person's intellectual property, privacy, or other legal rights.
The Company may restrict access where reasonably necessary to protect its operations, Users, or legal interests, subject to applicable law.
16. LIMITATION OF LIABILITY
16.1 Exclusion of Certain Damages
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OWNERS, REPRESENTATIVES, CONTRACTORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO THE WEBSITE, CONTENT, SERVICES, COMMUNICATIONS, OR THIS AGREEMENT.
Excluded damages may include, where legally excludable, loss of profits, anticipated savings, business opportunities, data, use, or other economic benefits, as well as losses resulting from decisions made in reliance on general educational materials.
This exclusion applies regardless of the legal theory asserted and whether the possibility of such damages was known or reasonably foreseeable.
16.2 Limitation of Aggregate Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE WEBSITE, CONTENT, SERVICES, OR THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DIRECTLY TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE SIX MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (US $100).
Where the relevant Services were provided entirely free of charge, this limitation will apply only to the extent enforceable under applicable law.
16.3 Educational Content and User Decisions
To the maximum extent permitted by law, the Company shall not be liable for losses resulting from a User's independent decisions based on general educational information, hypothetical calculations, incomplete information, unverified assumptions, or third-party statements.
This provision does not eliminate liability for conduct that applicable law prohibits the Company from disclaiming.
16.4 Third-Party and Insurer Decisions
To the maximum extent permitted by law, the Company is not responsible for independent underwriting determinations, insurer policy decisions, premium changes, claim decisions, or third-party service interruptions outside the Company's control, except to the extent liability is imposed by law or arises from the Company's own legally actionable conduct.
16.5 Non-Waivable Liability
The limitations in this section apply only to the extent permitted by law. They do not limit liability for fraud, willful misconduct, or any other liability that cannot lawfully be limited or excluded.
Where applicable law prohibits a particular exclusion or limitation, that provision shall be enforced only to the extent legally permitted.
17. INDEMNIFICATION
17.1 User Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless the Company and its owners, employees, agents, and authorized representatives from third-party claims, liabilities, damages, and reasonable legal expenses arising directly from:
a. Your material breach of this Agreement;
b. Your unlawful use of the Website, Content, or Services;
c. Your infringement of another person's intellectual property or other legal rights;
d. Your fraudulent or intentionally misleading submissions; or
e. Your unauthorized redistribution or commercial misuse of proprietary materials.
17.2 Limitations
Your indemnification obligations do not apply to the extent a claim arises from the Company's own negligence, gross negligence where applicable, willful misconduct, fraud, violation of law, or other conduct for which indemnification cannot lawfully be required.
Nothing in this section requires you to indemnify the Company for its own non-indemnifiable conduct.
17.3 Notice and Cooperation
Where indemnification applies, the Company will provide reasonable notice of the relevant claim when legally permissible.
The Company may participate in the defense of a claim at its own expense. No settlement imposing a material admission, payment obligation, or continuing duty on an indemnified party may be entered into without that party's consent, which shall not be unreasonably withheld where applicable law requires otherwise.
18. DISCLAIMER OF WARRANTIES
18.1 General Disclaimer
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, CONTENT, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
THE COMPANY DISCLAIMS WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES APPLY AND MAY LAWFULLY BE EXCLUDED.
18.2 Availability
The Company does not guarantee uninterrupted access, error-free operation, compatibility with every device, or the continued availability of any particular resource.
18.3 Accuracy and Completeness
Although the Company endeavors to provide useful information, it does not warrant that all Content will be complete, current, accurate, or suitable for every User's circumstances.
18.4 Non-Waivable Rights
Nothing in this section excludes a warranty or legal protection that cannot lawfully be excluded under applicable law.
19. THIRD-PARTY LINKS AND SERVICES
19.1 External Resources
The Website or Content may contain links to third-party websites, platforms, insurers, payment processors, or other external resources.
Such links are provided for convenience or informational purposes and do not necessarily constitute an endorsement, sponsorship, or guarantee of the third party.
19.2 Independent Third Parties
Third-party websites and services operate under their own terms, privacy notices, and practices. The Company does not control independent third parties and is not responsible for their content, availability, security, or representations, except to the extent applicable law imposes responsibility on the Company.
19.3 Independent Review
You are responsible for reviewing the applicable terms, disclosures, and privacy practices before interacting with a third-party website or entering into a transaction with a third party.
20. ELECTRONIC RECORDS AND SIGNATURES
20.1 Electronic Communications
To the extent permitted by law, electronic records and communications may be used for transactions and interactions with the Company.
20.2 Electronic Signatures
Where legally valid and appropriate, an electronic signature or electronically recorded acknowledgment may have the same effect as a handwritten signature or paper record.
20.3 Separate Consent Requirements
This section does not substitute for any separate consent required by law for electronic delivery of particular documents, marketing calls or texts, recordings, or other regulated activities.
Where applicable law requires separate disclosure or affirmative action, that requirement remains in effect.
21. ARBITRATION AGREEMENT
PLEASE READ THIS SECTION CAREFULLY. IT MAY REQUIRE CERTAIN DISPUTES TO BE RESOLVED THROUGH BINDING ARBITRATION INSTEAD OF COURT.
21.1 Agreement to Arbitrate
To the extent permitted by applicable law, the Company and the User agree that covered disputes arising out of or relating to this Agreement, the Website, Content, or Services shall be resolved through binding individual arbitration rather than a court trial.
Covered disputes may include contractual and statutory claims that are legally eligible for arbitration.
This provision does not require arbitration of claims that applicable law expressly makes non-arbitrable or that cannot lawfully be subjected to a predispute arbitration agreement.
21.2 Arbitration Administrator and Rules
Unless the parties agree otherwise in writing, arbitration shall be administered by the American Arbitration Association under its applicable consumer arbitration rules in effect when the arbitration is commenced, subject to mandatory legal requirements.
If the named administrator is unavailable or unable to administer the proceeding, the parties may agree on a replacement administrator. If they cannot agree, a court of competent jurisdiction may appoint an arbitrator as permitted by law.
21.3 Arbitration Location
The intended arbitration location is Arizona, United States, subject to the applicable arbitration rules, mandatory consumer protection laws, and any legally required accommodation or alternative location.
Where permitted, the parties may agree to conduct proceedings remotely or through written submissions.
21.4 Informal Dispute Resolution
Before commencing arbitration, the parties are encouraged to attempt to resolve the dispute informally by sending a written notice describing the dispute, relevant facts, and requested resolution.
The parties shall allow a reasonable period, ordinarily thirty (30) days after receipt of the notice, to attempt resolution, unless urgent relief is necessary or a shorter period is required to preserve a legal right.
Nothing in this provision prevents either party from taking action necessary to meet a statutory deadline or seeking emergency relief where permitted by law.
21.5 Arbitrator Authority
The arbitrator shall have authority to resolve covered disputes and award remedies available under applicable law, subject to this Agreement and any non-waivable legal rights.
A court of competent jurisdiction shall determine issues that applicable law reserves for judicial determination, including the enforceability of provisions that cannot lawfully be delegated to an arbitrator.
21.6 Fees and Costs
Arbitration fees and costs shall be allocated in accordance with the applicable arbitration rules and mandatory law. The Company will not require a User to pay fees that applicable law or the governing arbitration rules prohibit the Company from imposing.
21.7 Exceptions
Either party may seek temporary or preliminary injunctive relief from a court of competent jurisdiction where necessary to preserve rights pending arbitration and where permitted by law.
Nothing in this Agreement prevents a party from filing a complaint with an appropriate government agency or exercising a right that applicable law makes non-waivable.
21.8 Enforceability
If this arbitration provision is found unenforceable as to a particular claim, that claim may proceed in a court of competent jurisdiction, while the remaining enforceable provisions shall continue to apply.
22. WAIVER OF JURY TRIAL
TO THE EXTENT A DISPUTE IS PERMITTED TO PROCEED IN COURT RATHER THAN ARBITRATION, AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE PARTIES WAIVE ANY RIGHT TO A JURY TRIAL FOR CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE WEBSITE, CONTENT, OR SERVICES.
This waiver does not apply where a jury-trial waiver is prohibited, invalid, or unenforceable under applicable law.
23. CLASS ACTION WAIVER
23.1 Individual Proceedings
To the extent permitted by applicable law, covered disputes subject to arbitration shall be brought on an individual basis and not as a plaintiff or class member in a purported class, collective, consolidated, or representative proceeding.
23.2 No Consolidated Arbitration
Unless the parties agree otherwise or applicable law requires otherwise, the arbitrator shall not consolidate claims of multiple unrelated Users or preside over a representative or class proceeding.
23.3 Non-Waivable Rights
This waiver does not apply to the extent a class, collective, or representative action waiver is prohibited or unenforceable under applicable law.
If a court determines that a particular claim cannot lawfully be waived or required to proceed individually, that claim shall be handled as required by law without unnecessarily invalidating other enforceable provisions.
24. GOVERNING LAW AND VENUE
24.1 Arizona Law
Subject to applicable federal law and any mandatory law that cannot be displaced by agreement, this Agreement shall be governed by the laws of the State of Arizona, without regard to conflict-of-law principles that would require application of another jurisdiction's laws.
24.2 Mandatory Consumer Protections
Nothing in this Agreement is intended to deprive a User of mandatory consumer protection rights or other non-waivable rights available under applicable law.
24.3 Court Proceedings
For any dispute properly proceeding in court, the parties consent to the jurisdiction of courts of competent jurisdiction in Arizona to the extent permitted by law.
This provision does not override mandatory venue protections, jurisdictional requirements, or other legal rights applicable to a particular claim.
25. MODIFICATION OF TERMS
25.1 Updates
The Company may update this Agreement to reflect changes in its Services, business practices, legal requirements, or operational needs.
25.2 Notice of Material Changes
Where required by law, the Company will provide notice of material changes and obtain renewed consent when necessary.
The revised Agreement will identify its updated effective or last-updated date. Changes will not retroactively eliminate rights or obligations that cannot lawfully be modified.
25.3 Acceptance of Revised Terms
Continued use of the Services after revised terms become effective may constitute acceptance where permitted by law and where applicable notice and consent requirements have been satisfied.
If you do not agree to revised terms, you should discontinue use of the affected Services, subject to existing contractual rights and obligations.
26. TERMINATION AND SUSPENSION
26.1 Discontinuation of Services
The Company may discontinue a free resource, modify a Service, or suspend access where reasonably necessary for operational, security, legal, or compliance reasons, subject to applicable law and binding contractual obligations.
26.2 User Discontinuation
You may stop using the Website, Content, or Services at any time. You may also withdraw marketing consent according to the opt-out instructions in this Agreement.
26.3 Survival
Provisions that by their nature should survive termination shall survive, including intellectual property protections, disclaimers, limitations of liability, indemnification obligations, dispute resolution provisions, and provisions governing accrued rights and obligations.
27. SEVERABILITY
If any provision of this Agreement is held invalid, illegal, or unenforceable, that provision shall be limited or severed only to the extent necessary, and the remaining provisions shall continue in effect to the maximum extent permitted by law.
Any invalid provision may be interpreted or narrowed where legally permissible to preserve its lawful purpose without materially altering rights that applicable law requires to remain protected.
28. NO WAIVER
A failure or delay by the Company in enforcing a provision of this Agreement does not constitute a waiver of that provision or any other right.
Any waiver must be effective under applicable law and, where required, must be provided in writing by an authorized representative of the Company.
29. ASSIGNMENT
You may not assign or transfer your rights or obligations under this Agreement without the Company's prior written consent, except where applicable law provides otherwise.
The Company may assign this Agreement in connection with a lawful business reorganization, merger, acquisition, or transfer of relevant business assets, subject to applicable law and any required notice or consent.
30. FORCE MAJEURE
To the extent permitted by law, the Company shall not be liable for a delay or failure to perform caused by circumstances beyond its reasonable control, including natural disasters, government actions, widespread telecommunications or internet outages, labor disruptions, cyber incidents, or failures of third-party infrastructure.
This provision does not excuse payment obligations already incurred or obligations that applicable law does not permit the Company to suspend or disclaim.
31. ENTIRE AGREEMENT
This Agreement, together with any applicable Privacy Policy, separate consent forms, written service terms, purchase terms, and insurance policy documents, constitutes the agreement governing the relevant subject matter, subject to the following:
a. A separate written agreement governing a specific paid service will control over conflicting general terms to the extent expressly provided;
b. An insurance policy and its applicable endorsements govern the contractual insurance coverage provided by the insurer;
c. A separate, specific marketing consent governs the scope of communications consent granted by the User; and
d. Mandatory legal requirements prevail over any conflicting provision of this Agreement.
This Agreement does not create an employment relationship, partnership, joint venture, attorney-client relationship, or other relationship not expressly established by a separate agreement or applicable law.
32. CONTACT INFORMATION AND LEGAL NOTICES
Questions, requests, complaints, and notices concerning this Agreement may be directed to:
Business Name: Quinn Consulting
Email: [email protected]
Telephone: +1 480-781-8033
Governing State: Arizona, United States
Formal legal notices must be provided in a manner permitted by applicable law and any applicable dispute resolution rules. Email may be used for general inquiries and informal dispute notices but will not constitute effective service of legal process where formal service is required.
33. USER ACKNOWLEDGMENT AND CONSENT
By accessing or using the Services, you acknowledge the following, to the extent applicable to your use and permitted by law:
a. You understand that general educational materials are not a substitute for individualized professional advice;
b. You understand that insurance approval, coverage amounts, premiums, financial results, and claim payments are not guaranteed;
c. You agree to use the Content lawfully and respect the Company's intellectual property rights;
d. You understand that paid products and services are subject to separately disclosed payment and refund terms;
e. You understand that marketing communications consent must be provided separately where required by law and that you may withdraw such consent using the applicable opt-out method;
f. You understand that certain disputes may be subject to binding arbitration and individual-proceeding requirements where enforceable;
g. You understand that this Agreement does not waive any right that cannot lawfully be waived; and
h. You acknowledge that you have had the opportunity to review these Terms before using the Services.
33.1 Separate Marketing Consent
Where the Company presents a separate marketing consent checkbox or electronic signature field, you should review that disclosure independently before accepting it. The checkbox must not be preselected where affirmative consent is required, and the disclosure must accurately identify the communication types and methods covered by the consent.
The following sample disclosure may be used only after review and adaptation to the Company's actual communication practices and applicable law:
“I agree to receive marketing calls and text messages from Quinn Consulting at the telephone number I provided, including messages that may be sent using an automatic telephone dialing system or an artificial or prerecorded voice, where permitted by law. Consent is not a condition of purchasing any goods or services. Message frequency may vary, and message and data rates may apply. I may withdraw consent at any time by replying STOP to a text message or by contacting [email protected]. I have reviewed the applicable Terms and Conditions and Privacy Policy.”
This sample language does not itself establish consent. The Company must obtain and retain affirmative consent where required by law and must not use the disclosure to claim consent that the User has not actually provided.
33.2 No Retroactive Consent
Nothing in this Agreement retroactively authorizes calls, texts, recordings, or marketing communications for which consent was legally required before the communication occurred.
The Company must obtain and maintain any legally required consent before engaging in the relevant activity.
33.3 ACKNOWLEDGMENT AND CONSENT
By submitting my information, I acknowledge that I have read and agree to these Terms and Conditions and Consent Agreement. I consent to receive communications from Quinn Consulting, Doing Business As Peter Quinn, regarding educational materials, life insurance information, services, and related offers, subject to the terms stated above.
Quinn Consulting
Doing Business As Peter Quinn
Arizona
Last Updated: October 21, 2026