TERMS & CONDITIONS

SECTION 01

Acceptance of Terms

By accessing or using the TrueCrest Insurance Services website, submitting a quote request, or communicating with us via any channel including SMS, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please discontinue use of our site and services.

These terms apply to all users of the website and all prospects, clients, or individuals who engage with TrueCrest Insurance Services in any capacity.

SECTION 02

Description of Services

TrueCrest Insurance Services is a licensed independent insurance agency providing life insurance quote comparison, consultation, and policy placement services for individuals and families. Services offered include:

  • Term life insurance quotes and comparisons

  • Whole and universal life insurance consultation

  • Life insurance needs analysis using industry-standard methods

  • Follow-up consultations by phone, email, or SMS

  • Policy application assistance and carrier submission

All insurance recommendations and solicitations are made by TrueCrest's licensed affiliated insurance producers. No solicitations are made in any state where TrueCrest does not hold a valid license.

SECTION 03

SMS Messaging Terms

By submitting your phone number on our website and checking the SMS consent box, you expressly consent to receive text messages (SMS and MMS) from TrueCrest Insurance Services at the mobile number provided. These messages may include:

  • Life insurance quote information and follow-ups

  • Appointment reminders and scheduling confirmations

  • Policy updates and status notifications

  • General communications related to services you have requested

Message frequency: Message frequency varies based on your interactions with us. You may receive up to 5 messages per month.

Message and data rates may apply depending on your mobile carrier and plan.

To opt out at any time, reply STOP to any message. You will receive one final confirmation and no further SMS messages will be sent to your number.

To request assistance, reply HELP to any message or contact us directly at support@truecrestinsuranceservices.com or (949) 242-9599.

SMS consent is not a condition of purchasing any insurance product or service. You may receive a quote and full service without providing consent to SMS communications.

We do not sell, share, or transfer your mobile phone number or SMS opt-in consent to third parties for their marketing purposes.

SECTION 04

Permitted Use

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

  • Provide false or misleading information when requesting a quote

  • Attempt to gain unauthorized access to any portion of our systems

  • Use automated tools to scrape, crawl, or extract data from our Site

  • Impersonate any person or entity in connection with our services

SECTION 05

Disclaimer of Warranties

This website and its content are provided on an "as is" basis without warranties of any kind, either express or implied. TrueCrest Insurance Services does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

Insurance quotes provided through our site are estimates only and are subject to carrier underwriting, final application review, and approval. Rates and coverage terms may vary based on individual health, age, and other underwriting factors.

SECTION 06

Limitation of Liability

To the fullest extent permitted by law, TrueCrest Insurance Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including but not limited to loss of data, revenue, or coverage gaps resulting from reliance on information provided on this site.

SECTION 07

Privacy Policy

Your use of this website and our SMS program is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference. Please review our Privacy Policy to understand our data collection and use practices.

SECTION 08

Changes to These Terms

TrueCrest Insurance Services reserves the right to update or modify these Terms & Conditions at any time. Changes will be effective upon posting to this page with an updated effective date. Your continued use of our website or services constitutes acceptance of any modified terms.

SECTION 09

Contact Information

For questions about these Terms & Conditions, our SMS program, or to request support:

TrueCrest Insurance Services

Email: support@truecrestinsuranceservices.com

Phone: (949) 242-9599

Website: https://www.truecrestinsuranceservices.com

Mailing Address: 1 League #61502 Irvine, CA 92602

For SMS opt-out or HELP requests, you may also reply directly to any text message you receive from us.

SECTION 10

Licensing Disclosure

"TrueCrest" is a brand name used by TrueCrest Insurance Services. All insurance offers, solicitations, and recommendations made via this website are being made by TrueCrest's licensed affiliated insurance producers. No offers, solicitations, or recommendations are being made via this website in any state where one of those named TrueCrest licensees does not hold a valid license.