Terms of Service.

By using the Valor New Hope Solutions website and services, you agree to be bound by these Terms of Service .  These terms form a legal agreement between you and Valor New Hope Solutions (“we,” “us,” “our”) and govern your use of our site.  If you do not agree to these terms, please do not access or use our site.

No insurance advice or guarantees: Valor New Hope Solutions is an independent life insurance brokerage.  We provide general insurance information and quote referrals, but do not give legal or financial advice.  All content on the site is for informational purposes and should not be relied upon as the sole basis for decisions.  We make no representations or warranties about the accuracy or completeness of any information here .  Quotes or estimated prices displayed on the site are estimates only; you may not receive an actual offer or coverage if you apply, due to eligibility requirements (such as health status, discounts, or state regulations) .  In other words, we do not guarantee that you will be approved for any insurance product.  Actual insurance coverage is issued by the carrier under its own policy terms .  You should review any insurance policy carefully to understand its terms and coverage.

Licensing: Valor New Hope Solutions is licensed as an insurance broker in multiple U.S. states, including Georgia .  Our agents and brokers hold whatever state licenses are required to offer and sell life insurance in the jurisdictions where we operate.  (If you apply for coverage, your purchase will be from the insurance carrier or agent, not directly through our site.)  We do not intend this site to be a solicitation of insurance in any jurisdiction where we are not licensed.

Your responsibilities: You agree to use our site lawfully and in good faith.  If you register for an account or submit applications, you must provide accurate, truthful information and keep any passwords or account credentials confidential.  You are responsible for all activities that occur under your account.  You may not misuse the site (for example, by attempting to hack it, scrape data without authorization, or impersonate others).  You must be at least 18 years old (or have legal guardian consent) to use this site.

Limitation of liability: To the fullest extent permitted by law, Valor New Hope Solutions (and our affiliates, officers, and employees) will not be liable for any damages arising from your use of the site or services . This includes any direct, indirect, incidental, or consequential damages (such as lost profits or data), even if we were advised of the possibility of such damages.  We do not guarantee that the site will be error-free, secure, or uninterrupted, and we are not responsible for any third-party content or websites linked from our site.  Some jurisdictions do not allow exclusion of certain warranties or liabilities, so some limitations may not apply to you.

Changes to terms: We may modify these Terms of Service at any time.  When we do, we will post the updated terms on the site.  The “Last Revised” date at the top will indicate when changes go into effect.  We encourage you to review these Terms periodically.  Your continued use of our site after any changes means you accept those changes .

If you have questions about these terms or our policies, please contact us at Valor New Hope Solutions.  Thank you for reviewing our terms and privacy practices.