TERMS AND CONDITIONS

Last Updated: April 4th, 2025


1. ACCEPTANCE OF TERMS

Welcome to www.navigateltc.com ("Website"), operated by Amplify FA Inc. (Amplify Insurance Solutions), California Insurance License #6015463 ("we," "us," or "our"). By accessing or using our Website, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Website.

2. CHANGES TO TERMS

We reserve the right to modify these Terms at any time. We will post the modified Terms on this page and indicate the date of the most recent update. Your continued use of the Website after any changes constitutes your acceptance of the modified Terms.

3. CALIFORNIA INSURANCE LICENSE DISCLOSURE

Amplify Insurance Solutions operates under California Insurance License #6015463. All insurance-related activities conducted through this Website or resulting from contact initiated through this Website are performed by licensed insurance professionals in compliance with California Department of Insurance regulations.

4. WEBSITE USE AND SERVICES

4.1 Educational Content

Our Website provides educational content about long-term care insurance products, specifically asset-based insurance products. This content is for informational purposes only and should not be construed as comprehensive or applicable to all situations.

4.2 Insurance Consultations

We offer insurance consultation services. To request a consultation, you must submit information through our online forms. Submitting a form does not create an insurance contract or guarantee coverage. Any insurance coverage requires formal application, underwriting, and acceptance by an insurance carrier.

4.3 No Direct Sales

We do not sell insurance products directly through this Website. All insurance product purchases must be conducted through appropriate channels in compliance with insurance regulations.

5. DISCLAIMER OF WARRANTIES

5.1 Educational Content Disclaimer

The educational content on our Website is provided "as is" and "as available" without any warranties of any kind. We do not guarantee the accuracy, completeness, or usefulness of this information.

5.2 No Professional Advice

Information provided on our Website is for general informational purposes only and is not intended as legal, tax, investment, financial, or insurance advice. Always consult with qualified professionals regarding your specific situation.

5.3 No Guarantees

We make no guarantees about insurance products, coverage, rates, or carrier acceptability. Each insurance application is subject to individual underwriting and approval by the insurance carrier.

6. USER SUBMISSIONS

6.1 Information Submission

By submitting information through our Website forms, you represent that all information provided is truthful, accurate, and complete. You understand that providing false information in connection with an insurance inquiry may have legal consequences

6.2 No User-Generated Content

Our Website does not allow users to post comments, reviews, or other user-generated content. We do not offer forums or community features

7. INTELLECTUAL PROPERTY RIGHTS

7.1 Ownership

All content on this Website, including text, graphics, logos, images, and software, is the property of Amplify Insurance Solutions or its content providers and is protected by United States and international copyright and intellectual property laws

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes. This license does not include the right to:

- Modify, reproduce, distribute, or create derivative works based on the Website or its contents

- Use the Website for commercial purposes

- Remove any copyright or other proprietary notices

- Frame or utilize framing techniques to enclose any trademark, logo, or proprietary information

- Use any meta tags or other "hidden text" utilizing our name or trademarks

7.3 No Content Sharing

You may not copy, reproduce, distribute, republish, download, display, post, or transmit any content from our Website without our prior written permission.

8. PROHIBITED ACTIVITIES

You agree not to:

- Use the Website in any manner that could disable, overburden, damage, orimpair the site

- Use any robot, spider, or other automatic device to access the Website

- Introduce any viruses, Trojan horses, worms, or other harmful material

- Attempt to gain unauthorized access to any portions of the Website

- Interfere with or disrupt the Website or servers or networks connected to the Website

- Violate or attempt to violate the security of the Website.

9. THIRD-PARTY LINKS

Our Website may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We do not warrant the offerings of any of these entities/individuals or their websites.

10. LIMITATION OF LIABILITY

10.1 Limitation

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AMPLIFY INSURANCE SOLUTIONS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATED ENTITIES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE.

10.2 Exclusions

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Amplify Insurance Solutions, its officers, directors, employees, agents, and affiliated entities from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from your use of the Website or your violation of these Terms

12. DISPUTE RESOLUTION

12.1 Mediation

Any dispute arising from or relating to these Terms or your use of the Website shall first be submitted to mediation in California. The parties shall equally share the costs of mediation.

12.2 Legal Proceedings

If mediation is unsuccessful, any legal action shall be filed exclusively in the courts located in the State of California, and you consent to the personal jurisdiction and venue of such courts.

13. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions

14. INSURANCE COMPLIANCE

All insurance-related activities conducted through this Website comply with applicable California insurance laws and regulations, including but not limited to the California Insurance Code and regulations issued by the California Department of Insurance

15. SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision

16. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Amplify Insurance Solutions regarding your use of the Website and supersede any prior agreements between you and us relating to your use of the Website.

17. CONTACT INFORMATION

If you have questions about these Terms, please contact us at:

Email: [email protected]

Phone: 949-889-2001

Address: 23986 Aliso Creek Rd. PMB 420, Laguna Niguel, CA 92677

Amplify Insurance Solutions

CA License #6015463