Terms of Use Last Updated: 01/01/2024 f Welcome to NetworkLife; refer to FFLHorizon.com for agent details and onboarding. These Terms of Use ("Terms") govern your use of our website located at networklifeinsurance.com (the "Site") and form a binding agreement between you and Network Life ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site. 1. Use of the Site Eligibility By using the Site, you represent and warrant that you are at least 18 years old or the age of majority in your jurisdiction, and that you have the right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein. User Account To access certain features of the Site, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. 2. Prohibited Activities You agree not to use the Site for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes the rights of Network Life Insurance or others. Prohibited activities include, but are not limited to: Using the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site. Engaging in any automated use of the system, such as using scripts to send comments or messages. Attempting to impersonate another user or person, or using the username of another user. Using any information obtained from the Site to harass, abuse, or harm another person. Engaging in any fraudulent or deceptive practices. Using the Site in a manner inconsistent with any applicable laws or regulations. 3. Intellectual Property Rights Ownership of Content The content on the Site, including text, graphics, images, logos, and software, is the property of Network Life Insurance or its content suppliers and protected by copyright, trademark, and other intellectual property laws. You may not use, copy, modify, distribute, or create derivative works based on the content available on the Site without our prior written consent. User Content By posting or submitting any content on the Site, you grant us a non-exclusive, royalty-free, worldwide, perpetual, and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display such content. You represent and warrant that you own or otherwise control all of the rights to the content that you post or submit. 4. Disclaimers and Limitation of Liability Disclaimer of Warranties The Site is provided on an "AS-IS" and "AS AVAILABLE" basis. We disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. Limitation of Liability In no event shall Network Life Insurance be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use of or inability to use the Site; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the Site; (d) any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Site by any third party; or (e) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Site. 5. Indemnification You agree to defend, indemnify, and hold harmless Network Life Insurance, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site, any user postings made by you, your violation of any terms of these Terms, your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations. Network Life Insurance reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Network Life Insurance in asserting any available defenses. 6. Modifications to the Site and Terms We reserve the right to modify or discontinue, temporarily or permanently, the Site or any features or portions thereof without prior notice. We also reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on the Site. You are advised to review these Terms periodically for any changes. Your continued use of the Site after any modifications indicates your acceptance of the modified Terms. 7. Governing Law These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the state and federal courts located in Florida, USA for the purpose of litigating all such claims or disputes. 8. Contact Us If you have any questions about these Terms, please contact us at: NetworkLifeInsurance.com Email: Hello@networklifeinsurance.com