Introduction – Welcome to Patriots Insurance! These Terms of Service govern your access to and use of our services related to financial products, including our Single Premium Fixed Indexed Annuities. By using our services, you agree to comply with these terms and all applicable laws.
Acceptance of Terms – By accessing or using Patriots Insurance's services, you agree to be bound by these Terms of Service. If you do not agree, you may not use our services.
User Responsibilities – You are responsible for maintaining the confidentiality of your account details and all activities that occur under your account. You agree to provide accurate information and comply with all applicable laws when using our services.
License Grant – Patriots Insurance grants you a non-exclusive, non-transferable license to access and use our services for personal or business use in accordance with our operational policies.
Prohibited Activities – You agree not to engage in illegal activities, misuse of services, distribution of malware, or harassment.
Limitation of Liability – Patriots Insurance’s liability is limited to the maximum extent permitted by law. We are not responsible for any indirect, incidental, or consequential damages.
Indemnification – You agree to indemnify, defend, and hold harmless Patriots Insurance and its affiliates, officers, agents, and employees from any claims or legal fees resulting from your use of the services.
Termination – We may suspend or terminate your access at any time without notice for violations of these terms or to protect our services.
Governing Law – These Terms are governed by the laws of North Carolina.
Dispute Resolution – Any disputes will be resolved through binding arbitration under the American Arbitration Association.
Modifications – Patriots Insurance may update these Terms at any time, with notice provided for significant changes.
Custom Clause 1 – Guaranteed lifetime income from annuities may vary by contract and premium amount.
Custom Clause 2 – Additional information and electronic document delivery available upon request.
Custom Clause 3 – We support understanding long-term care options and applicable death benefits.
Custom Clause 4 – We ensure transparency regarding life insurance options and death benefits.
Custom Clause 5 – We assist clients in understanding health insurance options and related benefits.
.png)