Terms of Service

Last Updated: 5/5/2025

Welcome to Luminary Life. Please read these Terms of Service (“Terms”) carefully before using our website. These Terms govern your access to and use of the Luminary Life websites and services, located at www.luminarylife.com and www.luminarylife.org (the “Site”), operated by Luminary Life.

By using the Site, you confirm that you are at least 18 years old and agree to be bound by these Terms. If you do not agree, you must not use our Site or Services.

1. Use of Services

Luminary Life is a licensed life insurance agency based in Austin, Texas, providing life insurance services to residents of all U.S. states except New York. Our Services include:

Insurance education and informational content
Instant or agent-assisted quoting tools
Licensed agent consultations and sales
Policy application and processing support

You may be contacted via phone, email, or SMS by a licensed agent of Luminary Life or a trusted partner in response to your interest.

Disclaimer: All quotes are non-binding. Final policy terms and pricing are determined by the issuing insurance carrier after application review and underwriting.

2. Modifications

We reserve the right to revise these Terms at any time. All changes will be posted on this page. Continued use of the Site indicates your acceptance of the current Terms.

3. Prohibited Conduct

You agree not to:

Violate any applicable law
Transmit spam or malicious code
Interfere with the Site’s operation
Impersonate other individuals or entities
Scrape, crawl, or reverse-engineer the Site
Engage in any fraudulent, unlawful, or abusive behavior

4. Intellectual Property

All content on the Site—including text, graphics, logos, and images—is the property of Luminary Life or its licensors and is protected by U.S. copyright and trademark law.

You may not:

Use our trademarks without express written permission
Copy, modify, or distribute Site content for commercial purposes
Remove copyright or ownership notices from materials

5. Third-Party Services

The Site may contain links to external websites or services, including insurance carriers and tools. Luminary Life does not control or endorse these sites and is not responsible for their content or operations. Your use of such third-party services is at your own risk and subject to their respective terms and privacy policies.

6. No Warranties

The Site and all Services are provided “as is” and “as available” without warranties of any kind. We do not guarantee:

Accuracy or completeness of content
Continuous operation or availability
That the Site will be free from viruses or errors

Luminary Life makes no representations regarding the insurance products of third-party carriers beyond facilitating access to them through licensed means.

7. Limitation of Liability

To the maximum extent permitted by law, Luminary Life is not liable for:

Indirect, incidental, or consequential damages
Loss of profits, data, or business opportunities
Site downtimes or technical issues
Any third-party insurance product decisions

Your sole and exclusive remedy for dissatisfaction with the Site is to discontinue its use.

8. Indemnification

You agree to defend, indemnify, and hold harmless Luminary Life, its employees, affiliates, and licensors from any claims or damages arising from:

Your use or misuse of the Site or Services
Your violation of these Terms
Any breach of applicable law or third-party rights

9. Privacy

Use of this Site is also governed by our Privacy Policy, which explains how we collect and handle personal data. Please review it before submitting any information.

10. Termination

We reserve the right to suspend or terminate your access to the Site at any time for any reason, including violations of these Terms, without prior notice or liability.

11. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. All disputes shall be resolved exclusively in the state or federal courts located in Travis County, Texas.

12. Contact Us

If you have any questions or need to get in touch, please contact:

Luminary Life
8407 Wall St #450, Austin, TX 78754
(877) 800-0450
support@luminarylife.com
www.luminarylife.com | www.luminarylife.org