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Terms & Conditions

Terms & Conditions

Last Updated: 09/25/25

Welcome to MyPinnacleLifeGroup.com (the “Site”). These Terms & Conditions (“Terms”) govern your use of the Site, your access to any services offered through the Site, and any content, tools, or information available via the Site. By accessing or using the Site, you agree to be bound by these Terms and any additional terms and conditions that may apply to specific parts of the Site or to services offered through the Site. If you do not agree with any of these Terms, you must stop using the Site immediately.

Terms & Conditions

Last Updated: 09/25/25

Welcome to MyPinnacleLifeGroup.com (the “Site”). These Terms & Conditions (“Terms”) govern your use of the Site, your access to any services offered through the Site, and any content, tools, or information available via the Site. By accessing or using the Site, you agree to be bound by these Terms and any additional terms and conditions that may apply to specific parts of the Site or to services offered through the Site. If you do not agree with any of these Terms, you must stop using the Site immediately.

1. Definitions

  • “Company,” “we,” “us,” or “our” refers to Pinnacle Life Group LLC.

  • “You,” “your,” or “user” means any individual or entity accessing or using the Site.

  • “Services” refers to any tools, life insurance products, quotes, consultations, or other offerings made available through the Site.

  • “Content” means all text, graphics, images, audio, video, data, information, and software made available through the Site.

  • “Policy” refers to an insurance contract or agreement that may be obtained via our Services.

2. Use of the Site & Eligibility

  1. Eligibility
    You must be at least 18 years old (or the legal age in your jurisdiction) to use the Site and Services. By using the Site, you represent and warrant that you meet this requirement.

  2. License to Use
    We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, noncommercial use, subject to these Terms.

  3. Prohibited Uses
    You agree not to:

    • Use the Site in any unlawful manner, or in a way that could damage or impair the Site.

    • Attempt to gain unauthorized access to the Site or its systems.

    • Use robots, spiders, scrapers, or automated means to access or harvest data from the Site.

    • Interfere with or disrupt the integrity or performance of the Site.

    • Use the Site to transmit any harmful content (viruses, malware, etc.).

    • Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

3. Insurance Services & Disclaimer

  1. Informational Purposes Only
    All content, information, materials, and Services provided through the Site are for general informational and educational purposes only and do not constitute legal, tax, investment, or insurance advice. Always consult a professional for your individual situation.

  2. No Guarantee of Policy Issuance
    We provide quotes and may facilitate applications, but we do not guarantee that any insurance company will issue you a policy. The insurer’s underwriting process (which may include health exams, reviews, etc.) may result in denial, modification, or rejection of your application.

  3. Third-Party Insurers & Carriers
    We may partner with third-party insurers, underwriters, or carriers. Your relationship with the insurer is governed by separate agreements and documents provided by the insurer (policy contract, privacy terms, etc.). We are not liable for actions or omissions of the insurer or third parties.

  4. Accuracy of Information
    You agree to provide true, accurate, current, and complete information in connection with any interactions or applications. You acknowledge that a false or misleading statement may result in policy denial or rescission.

  5. Regulatory Compliance
    Insurance products are subject to state and federal laws and may not be available in all jurisdictions. We reserve the right to limit or deny access to Services in certain jurisdictions based on regulatory constraints.

4. Account Registration & Security

  • If you create an account, you are responsible for maintaining the confidentiality of your login credentials.

  • You agree to notify us immediately of any unauthorized use or suspected breach.

  • We reserve the right to suspend or terminate your account or access if we suspect misuse, security breach, or fraudulent behavior.

5. Intellectual Property Rights

  • All Content on the Site (including text, graphics, logos, images, software) is protected by copyrights, trademarks, and other intellectual property laws and belongs to us or our licensors.

  • You may not copy, modify, distribute, sell, or lease any part of the Site or content without our prior written permission.

  • You may download or print portions of the Site for your own personal use, so long as you keep all copyright and other proprietary notices intact.

6. User-Generated Content & Feedback

  • If you submit comments, feedback, or suggestions (“User Content”), you grant us a nonexclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, publish, distribute, and otherwise exploit such User Content.

  • You represent and warrant that you own or have the rights to submit the User Content and that doing so does not violate any third-party rights.

  • We reserve the right (but do not promise) to monitor, review, or remove User Content at our discretion.

7. Third-Party Links & Services

  • We may provide links to third-party websites or services not controlled by us. We do not endorse, guarantee, or monitor those third parties. Your use of them is at your own risk.

  • We are not responsible for third-party content, products, or services, or any loss or damage you may incur through their use.

8. Disclaimers & Limitation of Liability

  1. DISCLAIMER OF WARRANTIES
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE PROVIDE THE SITE, CONTENT, AND SERVICES “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE (INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SITE WILL BE ERROR-FREE, UNINTERRUPTED, OR SECURE).

  2. LIMITATION OF LIABILITY
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE (OR OUR AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, LOST DATA, LOSS OF BUSINESS, OR DAMAGE TO COMPUTER SYSTEMS) ARISING OUT OF OR RELATING TO THE SITE, CONTENT, SERVICES, OR YOUR USE THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS IN ANY YEAR SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO US (IF ANY) IN THAT YEAR FOR THE SERVICES GIVING RISE TO LIABILITY.

  3. Insurance-Specific Assumption
    IN THE EVENT YOU SECURE A POLICY, ANY LIABILITY RELATED TO THE INSURER’S PERFORMANCE OR NONPERFORMANCE IS DIRECTLY YOURS TO PURSUE WITH THE INSURER, NOT US.

  4. Basis of the Bargain
    You acknowledge that the disclaimers and limitations in these Terms constitute essential elements of the agreement between you and us, and that absent such provisions, we would not provide access to the Site or Services.

9. Indemnification

You agree to defend, indemnify, and hold harmless Pinnacle Life Group LLC and its officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, losses, damages, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to (i) your breach of these Terms, (ii) your use or misuse of the Site or Services, or (iii) your violation of any third-party rights or applicable laws.

10. Termination & Suspension

  • We may suspend or terminate your access to the Site or Services at any time, with or without cause, and without prior notice.

  • Provisions of these Terms that by their nature should survive termination (e.g. disclaimers, indemnification, limitations of liability) will survive.

11. Governing Law & Dispute Resolution

  • These Terms shall be governed by and construed in accordance with the laws of the state in which Pinnacle Life Group is incorporated or maintains its principal place of business (without regard to conflict of laws rules).

  • Any dispute arising out of or relating to these Terms or the Site shall be resolved by binding arbitration (or in the alternative, small claims court) in the county and state of the Company’s headquarters, unless you and we agree otherwise in writing.

  • You agree to waive any right to a class action or consolidated arbitration.

12. Changes to These Terms

We may update or revise these Terms from time to time. When we do, we will post the updated Terms on this page and update the “Last Updated” date. Your continued use of the Site after such changes indicates your acceptance of the revised Terms.

13. Miscellaneous

  • Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

  • No Waiver: Our failure to enforce any right or provision under these Terms does not waive our right to enforce it later.

  • Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations without restriction.

  • Entire Agreement: These Terms constitute the entire agreement between you and us concerning the Site and Services, superseding any prior agreements or communications.

14. Contact Us

If you have questions or concerns about these Terms, please contact:

Pinnacle Life Group LLC
Address: 3022 Laurel Lakes Cove,
Phone: (205) 431-9006 Pinnacle Life Group
Email: [email protected] Pinnacle Life Group

(205) 431-9006

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