1. Acceptance of Terms
By accessing or using this website (the "Site") or submitting information through it, you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.
2. Description of Service
Keystone Coverage Solutions ("Keystone," "we," "us," or "our") operates a lead generation service that connects individuals interested in final expense life insurance with independent, third-party licensed insurance agents. Keystone is not an insurance company, agency, or licensed producer. We do not sell, underwrite, or issue insurance policies, and we do not provide insurance, financial, or legal advice.
3. Eligibility
The Site and the program described on it are currently intended for individuals who are (a) at least 18 years old, (b) between the ages of 50 and 85, and (c) residents of Pennsylvania. We may expand eligibility to additional states in the future. Submitting information that does not meet these criteria does not guarantee you will be contacted by an agent.
4. No Offer or Guarantee of Insurance
Nothing on this Site constitutes an offer, binder, or guarantee of insurance coverage. Actual availability, eligibility, pricing, and terms of any insurance product are determined solely by the licensed insurance agent and the insurance carrier you are matched with, and may vary based on underwriting and state regulations.
5. Consent to Be Contacted
By submitting the form on this Site and checking the consent box, you agree to be contacted by Keystone and/or one or more licensed insurance agents as described in our Privacy Policy and in the consent language presented on the form. You may revoke this consent at any time using the methods described in that language.
6. Your Responsibilities
You agree to provide accurate, current, and complete information when using the Site, and not to submit information on behalf of another person without their knowledge and consent.
7. Relationship With Insurance Agents
Insurance agents and agencies who purchase leads from Keystone are independent third parties. They are not employees, agents, or representatives of Keystone, and Keystone is not responsible or liable for their conduct, advice, representations, products, or services. Any insurance purchase decision is a matter solely between you and the agent/carrier you work with.
8. Intellectual Property
All content on this Site, including text, graphics, and logos, is the property of Keystone or its licensors and may not be copied or used without permission.
9. Disclaimer of Warranties
The Site and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including as to accuracy, availability, or fitness for a particular purpose.
10. Limitation of Liability
To the fullest extent permitted by law, Keystone shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Site or any interaction with an agent matched through the Site.
11. Indemnification
You agree to indemnify and hold Keystone harmless from any claims, damages, or expenses arising from your misuse of the Site or violation of these Terms.
12. Governing Law
These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law principles.
13. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
14. Contact Us
Questions about these Terms? Contact us at support@keystonecoveragesolutions.com.