Terms of Service

These Terms of Service (“Terms”) govern your use of platinumlifegroup.org (the “Site”), a marketing brand (Platinum Life Group) operated by Compass Point Ventures (“we,” “us,” or “our”). By using the Site or submitting a form, you agree to these Terms and to our Privacy Policy.

1. What we do

We operate lead-generation websites that let consumers request insurance quotes and connect with licensed insurance agents. We are not an insurance company, agency, or producer, and we do not sell, issue, bind, or offer insurance. Any quote, policy, or advice comes from the licensed agents or carriers you are connected with, not from us.

2. No guarantee of coverage or rates

Submitting a form does not guarantee that you will qualify for or be offered any coverage. Eligibility, coverage, and rates vary by state, age, health, and carrier underwriting. Any figures shown on the Site (for example, illustrative pricing) are estimates for general information only and are not an offer of insurance.

3. Consent to be contacted

When you submit a form and check the consent box, you agree to be contacted by Platinum Life Group (operated by Compass Point Ventures) and its licensed insurance agents by phone, text, and email as described in that consent and in our Privacy Policy. Consent is not a condition of purchase. You can opt out of texts by replying STOP and of emails via the unsubscribe link.

4. Your responsibilities

• You must be at least 18 years old to use the Site.
• You agree to provide accurate information and to submit only your own contact details.
• You agree not to misuse the Site, interfere with its operation, or use it for any unlawful purpose.

5. Intellectual property

The Site and its content are owned by Compass Point Ventures or its licensors and are protected by applicable laws. You may not copy, reproduce, or create derivative works without our permission.

6. Disclaimers

The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure. We are not affiliated with or endorsed by any government agency.

7. Limitation of liability

To the fullest extent permitted by law, Compass Point Ventures will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for the acts, omissions, products, or services of any third-party agent or carrier you are connected with through the Site.

8. Third-party links and services

The Site may link to or involve third parties (such as licensed agents and carriers). We are not responsible for their content, products, services, or privacy practices.

9. Changes to these Terms

We may update these Terms from time to time. Changes take effect when posted, and continued use of the Site means you accept the updated Terms.

10. Governing law

These Terms are governed by the laws of the state in which Compass Point Ventures is organized, without regard to its conflict-of-laws rules.

11. Contact us

Compass Point Ventures (operating as Platinum Life Group)
Email: support@platinumlifegroup.org