Terms & Conditions.

1. Acceptance of Terms

By accessing or using this website, operated by Protected With Love, LLC ("we," "us," "our"), you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the website.

2. Age Requirement

You must be at least 18 years old to submit information through this website or request quotes and services.

3. Changes to These Terms

We may revise these Terms at any time. The effective date above reflects the latest version, and continued use after changes constitutes acceptance.

4. Website Use and Availability

The website is provided for your personal, non commercial use. We work to keep it available and accurate but do not guarantee uninterrupted or error free operation.

5. Intended Use

Content here is general information about insurance products and tax services. It is not individualized financial, legal, investment, or tax advice until you engage us directly, and it is not an offer of coverage.

6. No Guarantee of Coverage or Results

Submission of information through the website does not guarantee approval, coverage, pricing, or issuance. All insurance is subject to carrier underwriting, eligibility, and policy terms. Tax outcomes depend on your complete and accurate information and applicable law.

7. SMS and Electronic Communications

By providing your phone number and opting in, you consent to receive calls and text messages related to your inquiry, including via automated systems. Message frequency varies and message and data rates may apply. Text HELP to (954) 231-3457 for help and reply STOP to opt out at any time. Consent is not a condition of purchase.

8. Intellectual Property

All content on this website, including text, graphics, logos, and design, belongs to Protected With Love, LLC or its licensors and is protected by law. You may not copy, reproduce, or distribute it without written permission.

9. Prohibited Uses

You agree not to misuse the website, including submitting false information, interfering with its operation, attempting unauthorized access, or using content for competitive or unlawful purposes.

10. Reliance on Information

Any reliance you place on website content is at your own risk. Verify important details with us directly before making decisions.

11. Privacy

Your use of the website is also governed by our Privacy Policy, which describes how personal information is collected and used.

12. Geographic Scope

Insurance services are offered where Krystal Londono holds active licenses (all 50 states, NPN 16261381). Products and availability vary by state.

13. Disclaimer of Warranties

The website and all content and services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non infringement.

14. Limitation of Liability

To the fullest extent permitted by law, Protected With Love, LLC is not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the website.

15. Indemnification

You agree to indemnify and hold harmless Protected With Love, LLC and its principals from claims arising out of your misuse of the website or violation of these Terms.

16. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, and any disputes are subject to the exclusive jurisdiction of the state and federal courts located in Florida.

17. Time to File Claims

Any claim arising from use of this website must be filed within one year after it arises, or be permanently barred, to the extent permitted by law.

18. Severability and Entire Agreement

If any provision is found unenforceable, the remainder stays in effect. These Terms and the Privacy Policy are the entire agreement regarding website use.

19. Insurance Disclosure

Krystal Londono is an independent licensed life insurance agent (NPN 16261381). Quotes compare products from multiple carriers; guarantees are backed by the issuing insurance company. Life insurance benefit payments are generally income tax free to beneficiaries; consult a tax professional about your specific situation.

20. Contact and Support

Questions about these Terms: (954) 231-3457 (SMS support line), (561) 786-7171 (office), or the contact form.