Effective Date: 3/24/2025
Welcome to Yolk Life Insurance. These Terms of Service (“Terms”) govern your access to and use of https://yolklifeinsurance.com (the “Site”) and any related services offered through our website or via chat, phone, or voice assistant technology.
Please read these Terms carefully before using the Site. By accessing or using any part of the Site or submitting your information, you agree to be bound by these Terms. If you do not agree, do not use the Site.
1. Services Offered
Yolk Life Insurance is a marketing platform that connects consumers with licensed insurance providers and resellers. We do not underwrite insurance policies. All quotes and coverage options are provided by third-party licensed professionals. Use of our Site does not guarantee coverage or acceptance.
2. Use of the Site
You agree to use the Site and any services offered through it only for lawful purposes. You must not:
- Submit false or misleading information.
- Interfere with the operation of the Site.
- Use automated systems to extract data or engage with our services unless explicitly authorized.
We reserve the right to refuse service, terminate accounts, or restrict access at our discretion.
3. Eligibility
You must be at least 18 years of age and reside in the United States to use our services. By using this Site, you represent and warrant that you meet these requirements.
4. Use of AI Technology
Our website may use artificial intelligence (AI) and automated agents to interact with users via chat or voice, assist with answering questions, collecting information, and connecting you to licensed insurance agents.
AI agents may be used to:
- Collect basic personal and policy information.
- Schedule appointments or calls.
- Initiate follow-ups via phone, text, or email.
All AI interactions may be monitored or recorded for quality assurance and compliance purposes.
5. Consent to Communications (TCPA)
By submitting your contact information, you expressly consent to being contacted via:
- Automated phone calls
- SMS messages
- Emails
- AI voice assistants or human agents
This contact may be for marketing purposes or to provide information about insurance products. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by:
- Texting “STOP” in response to an SMS.
- Emailing us at [[email protected]].
- Calling [Insert Phone Number].
6. Privacy
Your use of our Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including disclosures regarding cookies, retargeting pixels, and CCPA rights.
7. Third-Party Providers and Disclaimers
All quotes, applications, and policies are provided by third-party licensed insurance providers. Yolk Life Insurance makes no representations or warranties as to the terms, pricing, coverage, or availability of any policy or provider.
We do not guarantee:
- That you will qualify for any particular policy.
- That coverage offered will meet your needs.
- That the Site is error-free, timely, or secure.
All decisions related to insurance purchases are between you and the licensed provider.
8. Retargeting & Analytics
We use marketing pixels and analytics tools (e.g., Meta Pixel, Google Analytics) to improve our services and deliver targeted advertising. Your behavior on the Site may be tracked and used to show you relevant ads.
You may manage your preferences by visiting:
https://optout.aboutads.info/
For details, see our Privacy Policy.
9. Intellectual Property
All content on the Site, including logos, graphics, text, layout, and code, is the property of Yolk Life Insurance or its licensors and is protected under applicable copyright and trademark laws. You may not copy, modify, or redistribute any content without express written permission.
10. Limitation of Liability
To the fullest extent permitted by law, Yolk Life Insurance and its affiliates, officers, agents, and employees shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use or inability to use the Site or services, including but not limited to errors in information provided by third-party insurance providers.
11. Indemnification
You agree to defend, indemnify, and hold harmless Yolk Life Insurance and its partners from any claims, liabilities, damages, losses, and expenses arising from your use of the Site, violation of these Terms, or interaction with any third-party provider.
12. Modifications
We may modify these Terms at any time. Updates will be posted on this page with a revised effective date. Your continued use of the Site after such changes constitutes acceptance of the updated Terms.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles. Any disputes arising out of these Terms shall be resolved in state or federal courts located in [Insert County and State].
14. Contact Us
For questions about these Terms or our services, please contact us at:
Yolk Life Insurance
📧 Email: [email protected]
📞 Phone: 1-888-482-1479
