These Terms & Conditions ("Terms") govern your use of ohanamarketingllc.com (the "Site"), operated by Ohana Marketing LLC ("Ohana Marketing," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Ohana Marketing LLC is an independent insurance marketing organization that helps individuals learn about and apply for mortgage protection life insurance products. We are licensed to solicit insurance in the states listed on our Site. We are not an insurance carrier, and we are not affiliated with, endorsed by, or acting on behalf of any government agency, mortgage lender, or loan servicer.
Content on the Site is provided for general informational purposes only and does not constitute insurance, legal, financial, or tax advice, and is not an offer or guarantee of coverage. Insurance products, rates, and availability vary by state, carrier, and individual underwriting. Any quote or illustration discussed with you is an estimate only; an actual offer of coverage can only be made after you complete an application and the carrier completes its underwriting review. Not everyone who applies will be approved, and not everyone will qualify for the rates discussed.
The Site allows you to schedule a call using a third-party scheduling tool (Calendly). Your use of that tool is also subject to Calendly's own terms of service. Booking a call does not obligate you to purchase any product.
If you submit your contact information through the Site and provide consent, you agree that we may contact you by phone and text message, including using an autodialer or prerecorded/artificial voice, as described in our Privacy Policy. Consent is not required as a condition of purchasing any product or service.
You agree not to: (a) use the Site for any unlawful purpose; (b) submit false or misleading information through our forms; (c) attempt to interfere with the security or proper functioning of the Site; or (d) scrape, copy, or reuse Site content without our permission.
All text, graphics, logos, and other content on the Site are the property of Ohana Marketing LLC or our licensors and are protected by applicable intellectual property laws. You may not reproduce or redistribute Site content without our prior written consent.
The Site may contain links to third-party websites or services (such as our scheduling tool) that are not owned or controlled by us. We are not responsible for the content, policies, or practices of any third-party site or service.
The Site and its content are provided "as is" and "as available" without warranties of any kind, either 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 secure.
To the fullest extent permitted by law, Ohana Marketing LLC and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or reliance on any information provided through it.
These Terms are governed by the laws of the State of [Insert State], without regard to its conflict of laws principles, unless otherwise required by applicable insurance regulations in your state of residence.
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
Questions about these Terms can be directed to:
Ohana Marketing LLC
[Insert Business Mailing Address]
Phone: (561) 282-7115
Email: blainealana.insurance@gmail.com