TERMS OF USE

1WHO WE ARE

These Terms apply to:

• EternaTrust Insurance Group LLC (“EternaTrust”)
• and its state-specific operating entities:
• New York: ETI Services LLC
• California: EternaSure Insurance Services (CA License #6017223)

We provide insurance information, quoting tools, and the ability to begin applications for TruStage Insurance Company products.

2ACCEPTANCE OF TERMS

By accessing our Site or submitting information through any form, call request, quote form, application, or communication channel, you:

• Agree to these Terms
• Acknowledge our Privacy Policy
• Consent to electronic communications
• Agree to TCPA consent disclosures
• Affirm that your use is lawful and accurate

3ELIGIBILITY

To use our insurance quoting or application tools, you must:

• Be at least 18 years old
• Reside in a U.S. state where EternaTrust is licensed to operate
• Submit truthful and complete information
• Not use the Site for fraudulent or unlawful purposes

4NO GUARANTEE OF COVERAGE

Submitting a request for a quote or completing an application does not guarantee approval or issuance of any insurance policy.

Final eligibility is determined solely by TruStage Insurance Company or its underwriters.

EternaTrust:

• Cannot bind coverage
• Cannot guarantee premium amounts
• Cannot override underwriting decisions

5NOT PROFESSIONAL FINANCIAL OR LEGAL ADVICE

Content on this Site is for informational purposes only and is:

• Not financial advice
• Not legal advice
• Not a substitute for professional consultation

Decisions regarding insurance should be based on your personal needs and financial situation.

6WEBSITE CONTENT & INTELLECTUAL PROPERTY

All content on the Site — including text, graphics, logos, tools, design elements, videos, guides, and software — is the property of EternaTrust or its licensors and is protected by copyright and trademark laws.

You agree NOT to:

• Copy
• Reproduce
• Distribute
• Modify
• Sell
• Scrape
• Reverse-engineer

any part of the Site or EternaSync without written permission.

7ACCURACY OF INFORMATION

• To provide accurate, current, and complete information
• Not to impersonate anyone
• Not to submit false or misleading details

Providing inaccurate information may affect eligibility, pricing, or approval.

8THIRD-PARTY LINKS & INTEGRATIONS

The Site may contain links to external websites.

EternaTrust is not responsible for:

• Content on third-party websites
• Their privacy practices
• Their security protocols
• Their accuracy

Use third-party sites at your own risk.

9ELECTRONIC COMMUNICATIONS CONSENT

By submitting your information, you consent to:

• Emails
• Phone calls
• SMS messages
• Automated dialing systems
• Pre-recorded messages

Consent is documented under our TCPA Disclosure and can be revoked at any time.

10USER CONDUCT

You agree NOT to:

• Interfere with Site functionality
• Attempt to access restricted areas
• Upload malicious code
• Scrape or harvest data
• Misrepresent your identity
• Use automated software to submit forms
• Use the Site for fraudulent or illegal activity

Violation may result in termination of access or legal action.

11LIMITATION OF LIABILITY

To the fullest extent permitted under Texas and U.S. law:

EternaTrust, ETI Services LLC, and EternaSure Insurance Services are not liable for:

• Errors or inaccuracies on the Site
• Application outcomes
• Delays in communication
• Loss of data
• Service interruptions
• Unauthorized access attempts
• Any damages arising from use or inability to use the Site

Your use of the Site is at your sole risk.

12NO WARRANTY

The Site and Services are provided “as is” and “as available” without warranties of any kind, whether express or implied.

We do not guarantee:

• That the Site will be error-free
• That services will be uninterrupted
• That data will not be lost
• That security cannot be breached
• That information will always be current

13INDEMNIFICATION

You agree to indemnify and hold harmless:

• EternaTrust Insurance Group LLC
• ETI Services LLC
• EternaSure Insurance Services
• Their owners, employees, and contractors

from claims, damages, liabilities, and expenses arising from:

• Your misuse of the website
• Your submission of false or incomplete information
• Unauthorized access attempts
• Violation of these Terms

14MODIFICATIONS TO TERMS

EternaTrust may update or alter these Terms at any time.

Changes take effect immediately upon posting.

Continued use of the Site after revisions means you accept the updated Terms.

15TERMINATION OF ACCESS

We may terminate or restrict access without notice if you:

• Violate these Terms
• Engage in fraud
• Misuse the Site
• Attempt unauthorized access

16GOVERNING LAW

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

17MANDATORY ARBITRATION & WAIVER OF CLASS ACTION

Any dispute arising from use of the Site or these Terms shall be resolved by binding arbitration in:

Harris County, Texas

Users agree:

• No class actions
• No jury trials
• Arbitration is the exclusive remedy

Exceptions exist only for injunctions or enforcing arbitration awards.

18CONTACT INFORMATION

For questions regarding these Terms:

EternaTrust Insurance Group LLC

Compliance Department: Click here