1. Acceptance of Terms

By accessing this website or submitting your information through our forms, you agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree, please do not use our services.

2. Service Overview

Lead Apex LLC is a marketing and lead generation service.

We:

- Connect individuals with independent licensed insurance professionals

- Facilitate introductions for life and mortgage insurance inquiries

We do NOT:

- Provide insurance policies

- Act as an insurance agency or carrier

- Offer financial, legal, or insurance advice

All services are provided by third-party licensed insurance professionals.

3. No Guarantee of Results

Lead Apex LLC does not guarantee:

- Insurance approval

- Coverage availability

- Pricing or policy terms

- Results from any insurance provider

All outcomes depend on the licensed agent and insurance carrier.

4. User Responsibilities

By using this website or submitting your information, you agree to:

- Provide accurate and truthful information

- Not submit false or misleading details

- Use this website only for lawful purposes

5. SMS Communication & Consent

By submitting your information and providing your phone number, you consent to receive SMS messages from Lead Apex related to your inquiry.

These messages may include:

- Coverage options

- Appointment reminders

- Follow-up communication

SMS Terms:

- Message frequency may vary

- Message & data rates may apply

- Reply STOP to opt out at any time

- Reply HELP for assistance or contact [email protected]

Consent to receive SMS messages is not a condition of purchase.

6. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

7. Eligibility

You must be at least 18 years old to use this website and services.

8. Third-Party Relationships

Lead Apex LLC works with independent licensed insurance agents and agencies.

We are not responsible for:

- Advice provided by third-party agents

- Insurance policies issued

- Service quality or outcomes

- Any agreements made between you and third-party providers

9. Testimonials & Content Disclaimer

Testimonials displayed on this website:

- Reflect individual experiences

- May include partners within our network

- Do not guarantee similar results

Lead Apex LLC does not claim responsibility for third-party service outcomes.

10. Limitation of Liability

To the fullest extent permitted by law, Lead Apex LLC shall not be liable for:

- Any indirect, incidental, or consequential damages

- Decisions made based on information provided

- Services rendered by third-party professionals

Your use of this website is at your own risk.

11. Intellectual Property

All content on this website, including text, branding, and design, is owned by Lead Apex LLC unless otherwise stated.

You may not copy, reproduce, or distribute content without permission.

12. Privacy

Your use of this website is also governed by our Privacy Policy.

13. Modifications to Terms

We reserve the right to update these Terms at any time.

Changes will be posted with an updated effective date. Continued use of the website constitutes acceptance of those changes.

14. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the United States and applicable state laws.

15. Contact Information

If you have any questions regarding these Terms, please contact:

Lead Apex LLC

Email: [email protected]