Terms & Conditions

By accessing or using the HR Life & Financial Solutions website ("Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, please discontinue use of the Site.

HR Life & Financial Solutions LLC is a licensed independent insurance agency. The Site provides general information about insurance products and allows you to request quotes, schedule consultations, and contact our professionals. The Site is not a solicitation of insurance in any jurisdiction where we are not licensed. All products are subject to underwriting and policy terms.

Information on this Site is general in nature and does not constitute legal, tax, or insurance advice tailored to your individual circumstances. Actual coverage, premiums, and eligibility depend on the carrier's underwriting process and the terms of the issued policy. Consult a licensed professional before making coverage decisions.

You agree not to:

• Use the Site for any unlawful purpose.
• Attempt to gain unauthorized access to any portion of the Site or its systems.
• Submit false, inaccurate, or misleading information through our forms.
• Interfere with or disrupt the Site, including our embedded third-party forms.

Our contact and booking features may use third-party form widgets and services. We are not responsible for the privacy practices or content of third-party providers. Links to external sites are provided for convenience and do not imply endorsement.

All content on this Site — including text, graphics, logos, and the HR Life brand mark — is owned by or licensed to HR Life & Financial Solutions LLC and is protected by intellectual property laws. You may not reproduce or distribute our content without prior written permission.

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, HR Life shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or any information obtained through it.

You agree to indemnify and hold harmless HR Life and its affiliates from any claims, damages, or expenses arising from your violation of these Terms or your misuse of the Site.

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any disputes shall be resolved in the state or federal courts located in Los Angeles County, California.

We may revise these Terms at any time. The most current version will always be posted on this page with an updated "last updated" date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Questions about these Terms? Contact us at legal@hrlifesolutions.com, call (626) 298-7448, or write to HR Life & Financial Solutions LLC, 300 East Colorado Boulevard, Suite 200, Pasadena, CA 91101.