Effective Date: 02/15/2025
These Terms of Service ("Terms") govern your access to and use of the services and www.debrastephenson.com (the "Website") provided by Debra Stephenson ("I," "me," or "my"). By accessing or using the Website or services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use my Website or services.
By using my Website and services, you accept and agree to be bound by these Terms and any other applicable policies or guidelines referenced herein. If you do not agree to these Terms, you may not use my Website or services.
To use my Website or services, you must be at least 18 years old or have the legal capacity to enter into a binding contract. If you are under 18, you may not use my services without the consent of a parent or guardian.
I provide life insurance brokerage services, including personalized policy recommendations, financial protection solutions, and guidance on selecting coverage that aligns with your individual needs and goals. By accessing the Website, you agree to use these services in accordance with the Terms and the applicable guidelines.
In some cases, you may be required to create an account to access certain features of the Website or services. You agree to provide accurate, current, and complete information when creating your account and to update this information as necessary. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.
If you purchase any services or products through my Website, you agree to pay all applicable fees and charges. Payment terms will be provided at the time of purchase. I reserve the right to change pricing and payment terms at any time, but changes will not affect orders already placed.
All content, trademarks, logos, and intellectual property on my Website are owned by me or my licensors and are protected by applicable intellectual property laws. You agree not to reproduce, distribute, or create derivative works from any content without my express written permission.
You agree not to use my Website or services to:
I reserve the right to terminate or restrict your access if you engage in prohibited conduct.
My Website and services are provided "as is" and "as available," without warranties of any kind, either express or implied. I do not guarantee that the Website will be error-free, secure, or uninterrupted.
To the maximum extent permitted by law, I shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of my Website or services.
You agree to indemnify and hold me harmless from any claims, losses, damages, liabilities, and expenses arising out of your use of my Website or services, your violation of these Terms, or your violation of any rights of a third party.
I reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on my Website. Your continued use of the Website or services constitutes your acceptance of any such changes.
These Terms are governed by and construed in accordance with the laws of the state in which I operate, without regard to its conflict of law principles.
If you have any questions about these Terms, please contact me at
Debra Stephenson
Email:
Phone:
(401) 575-1122