Terms & Conditions
These Terms & Conditions ("Terms") govern your use of the website at https://porchlightprotection.com (the "Site"), operated by Porchlight Protection () ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. What we do
The Site lets homeowners request a quote for mortgage protection and other life insurance. When you submit a request, a licensed insurance agent will contact you to discuss your options.
We are not an insurance company. We do not issue policies, make underwriting decisions, or pay claims. We are not a mortgage lender, bank, or government agency, and we are not affiliated with your mortgage lender or servicer.
2. No guarantee of coverage or price
Any quote, price, or estimate is for information only and is not an offer of insurance. Coverage is subject to the insurance carrier's underwriting, approval, and policy terms. Plan features, riders, and availability vary by carrier and state. We do not guarantee that you will qualify for any product or any particular price.
3. Eligibility and accurate information
You must be at least 18 years old and a U.S. resident to use the Site. You agree that the information you submit is true, accurate, and your own, and that the phone number you provide belongs to you or you are its authorized user.
4. Consent to be contacted
By checking the consent box and submitting the quote form, you give your express written consent for Porchlight Protection, operated by , and its licensed insurance agents to contact you at the phone number and email you provided about life and mortgage protection insurance. This includes calls and text messages that may use an automatic telephone dialing system or an artificial or prerecorded voice, even if your number is on a federal, state, or company Do Not Call list. Your consent is not a condition of any purchase. You may revoke consent at any time by replying STOP to a text, telling the agent on a call, or emailing [email protected].
Text messaging is also governed by our SMS Terms.
5. Information, not advice
Content on the Site is general information about insurance. It is not legal, tax, or financial advice. Statements about taxes, such as the general income-tax treatment of life insurance benefits, may not apply to your situation. Talk with a qualified professional about your circumstances.
6. Privacy
Our Privacy Policy explains how we collect, use, and share your information, and is part of these Terms.
7. Acceptable use
You agree not to submit false information or another person's information, interfere with the Site's operation, use automated tools to access or submit forms on the Site, or use the Site for any unlawful purpose.
8. Intellectual property
The Site's content, design, and trademarks belong to us or our licensors. You may view the Site for personal, non-commercial use. You may not copy, modify, or distribute its content without our written permission.
9. Third-party links
The Site may link to websites we don't control. We are not responsible for their content or practices.
10. Disclaimer of warranties
The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars ($100). Some states do not allow these limitations, so they may not apply to you.
12. Indemnification
You agree to indemnify and hold us harmless from claims arising from your violation of these Terms or your submission of false or unauthorized information.
13. Disputes and governing law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. If you have a concern, please contact us first so we can try to resolve it informally.
14. Changes
We may update these Terms from time to time. Updated Terms take effect when posted on this page with a new effective date.
15. Contact us
Porchlight Protection
Email: [email protected]