Terms of Service

1. Agreement to terms

These Terms of Service ("Terms") govern your use of dwclife.com (the "Site"), operated by Dads Who Care Life ("DWC Life," "we," "us," or "our"). By using the Site or submitting a quote request, you agree to these Terms. If you don't agree, please don't use the Site.

2. What DWC Life is — and isn't

DWC Life is a marketing and insurance lead referral service. We are not an insurance company, agent of record, or broker for any specific policy, and we do not sell, underwrite, or issue insurance policies ourselves. When you submit a quote request, we connect you with independent, licensed insurance agents and/or carrier partners who may contact you about coverage. Any insurance you ultimately purchase is a contract between you and that carrier — not with DWC Life.

3. Eligibility

You must be at least 18 years old and a legal resident of a U.S. state in which we or our partners operate to submit a quote request. By submitting the form, you represent that this is true.

4. Quote requests and consent to be contacted

When you submit our quote form, you're asking to be contacted about life insurance options. If you check the consent checkbox, you agree that DWC Life and our licensed insurance partners may contact you by phone (including autodialed or prerecorded calls and texts) and email, using the contact details you provided, even if your number is on a Do Not Call list. This consent isn't required to buy anything, and you can withdraw it at any time — see our Privacy Policy for how.

Depending on how leads are matched at the time of your submission, your information may be sent to a single agent (an exclusive lead) or to more than one agent or carrier (a shared or "ping-post" lead). You may hear from more than one licensed agent as a result.

5. No guarantee of coverage, rates, or savings

Any pricing, coverage examples, or estimates shown on the Site are for illustration only. We do not guarantee that you will qualify for coverage, receive a specific rate, save money compared to your current plan, or be approved by any carrier. Final rates, terms, and approval are determined solely by the underwriting carrier.

6. Acceptable use

You agree not to:

• Submit false, misleading, or someone else's personal information without their permission;
• Use the Site for any unlawful purpose or in violation of these Terms;
• Attempt to interfere with, disrupt, or reverse-engineer the Site or its underlying systems; or
• Scrape, harvest, or resell data from the Site without our written permission.

7. Third-party partners and links

The Site may link to, or share your information with, third-party insurance carriers, agents, and service providers. We aren't responsible for the content, privacy practices, sales conduct, or policies of those third parties. Any dealings you have with a carrier or agent after a referral are solely between you and them.

8. Intellectual property

The Site's content, design, logos, and branding — including the "Dads Who Care Life" name and mark — are owned by DWC Life or its licensors and may not be copied, reproduced, or used without our written permission.

9. Disclaimer of warranties

The Site and any quotes, referrals, or content provided through it are offered "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. We don't warrant that the Site will be uninterrupted, error-free, or secure.

10. Limitation of liability

To the fullest extent permitted by law, DWC Life and its owners, employees, and partners won't be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, your interactions with any referred agent or carrier, or any insurance decision you make. Our total liability for any claim arising from these Terms or the Site is limited to $100 or the amount (if any) you paid us directly, whichever is greater.

11. Indemnification

You agree to indemnify and hold DWC Life harmless from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your misuse of the Site, your violation of these Terms, or information you submit that is false or misleading.

12. Governing law

These Terms, and any dispute arising from your use of the Site or our services, are governed by the laws of the State of Oregon, without regard to its conflict-of-law principles.

13. Agreement to arbitrate

You and DWC Life agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services — including disputes about whether a claim is subject to arbitration — will be resolved by binding, individual arbitration rather than in court, except that either party may bring a qualifying dispute in small claims court instead.

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. Unless you and DWC Life agree otherwise, the arbitration will be conducted in the county where DWC Life's LLC is registered in Oregon, or remotely by phone, video, or written submission where the AAA rules allow it. Each party is responsible for its own attorneys' fees unless the arbitrator decides otherwise or applicable law requires fee-shifting.

Class action waiver: You and DWC Life agree that any arbitration or proceeding will be conducted only on an individual basis, and not as a class, consolidated, or representative action. The arbitrator has no authority to combine claims from more than one person.

Your right to opt out: You may opt out of this arbitration agreement by emailing [email protected] within 30 days of first accepting these Terms, with your name and a clear statement that you wish to opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in Oregon, and you and DWC Life each waive any right to a jury trial to the fullest extent permitted by law.

14. Severability

If any provision of these Terms — including any part of the arbitration agreement above — is found unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full effect.

15. Entire agreement

These Terms, together with our Privacy Policy, make up the entire agreement between you and DWC Life regarding the Site and supersede any earlier agreements on the same subject. Our failure to enforce any part of these Terms isn't a waiver of our right to do so later.

16. Changes to these terms

We may update these Terms from time to time. We'll post the revised version here with an updated "Last updated" date. Continuing to use the Site after changes take effect means you accept the updated Terms.

17. Contact us

Questions about these Terms? Reach us at [email protected].