Terms of Service

1. Acceptance of Terms

By accessing and using the Evoro Life website ("Site"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use this Site.

Evoro Life is a marketing name for a lead generation service. We connect consumers with licensed insurance carriers and agents. We do not issue insurance policies directly.

2. Use of Service

2.1 Eligibility

You must be at least 18 years of age to use this Site and request insurance quotes. By using this Site, you represent and warrant that you meet this age requirement.

2.2 Account Information

You agree to provide accurate, current, and complete information when requesting quotes or applying for insurance. Providing false or misleading information may result in denial of coverage or cancellation of your policy.

2.3 Communication Consent

By submitting your contact information, you expressly consent to receive communications from Evoro Life and our insurance carrier partners via telephone, email, SMS/text message, and other electronic means, including autodialed and prerecorded calls and texts. Your consent is not required as a condition of purchasing any goods or services. Standard message and data rates may apply.

3. Lead Generation Disclosure

Evoro Life operates as a lead generation platform. When you submit information through our Site:

• Your information may be shared with licensed insurance carriers and agents
• You may be contacted by multiple insurance professionals
• We may receive compensation from carriers and agents for successful referrals
• Quote estimates are not guaranteed and are subject to underwriting approval

4. Quotes and Pricing

All quotes provided through the Site are estimates based on the information you provide. Actual rates and coverage terms are subject to:

• Verification of provided information
• Underwriting review and approval
• Medical examinations (if required)
• State-specific regulations and carrier availability

Quotes are not offers of insurance and do not guarantee coverage or specific pricing.

5. Geographic Restrictions

Our services are not available in all states. Currently, Evoro Life services are not available in New York. Availability may vary by carrier and product type. We reserve the right to modify our geographic coverage at any time without notice.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Evoro Life or its content suppliers and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this Site without express written permission.

7. Disclaimers

THE SITE AND ALL INFORMATION PROVIDED ARE ON AN "AS IS" AND "AS AVAILABLE" BASIS. EVORO LIFE MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVORO LIFE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

9. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection and use of your information.

10. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party websites.

11. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and the state in which you reside, without regard to conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at:

14. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.