Terms of Service

1. Agreement to Terms

By accessing or using the VANTA website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Services.

These Terms constitute a legally binding agreement between you and VANTA. We reserve the right to modify these Terms at any time, and your continued use of the Services constitutes acceptance of any changes.

2. Description of Services

VANTA provides information, tools, and services related to:

• Max-Funded Indexed Universal Life (IUL) insurance products
• Mortgage protection insurance
• Financial planning and wealth architecture strategies
• Insurance quotes and application processing
• Educational resources and calculators

Our Services are informational and educational in nature. We act as an intermediary between you and licensed insurance carriers. Final insurance products are issued by third-party insurance companies.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Be a resident of the United States
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Responsibilities

Account Information

You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account

Prohibited Conduct

You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Transmit viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Services
• Impersonate any person or entity
• Collect or harvest information about other users
• Use automated systems to access the Services without permission

5. Insurance Products and Services

No Guarantee of Coverage

VANTA does not guarantee that you will qualify for any insurance product or that any application will be approved. Insurance carriers make final underwriting decisions based on their own criteria.

Not Financial Advice

The information provided through our Services is for educational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.

Illustrations and Projections

Any illustrations, projections, or hypothetical examples provided are not guarantees of future performance. Actual results may vary significantly based on market conditions, policy performance, and individual circumstances.

6. Intellectual Property

All content on our website, including text, graphics, logos, images, software, and other materials, is the property of VANTA or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.

7. Third-Party Services

Our Services may integrate with or link to third-party websites, services, or insurance carriers. We are not responsible for:

• The content, accuracy, or practices of third-party services
• Products or services provided by insurance carriers
• Any transactions between you and third parties
• Privacy practices of external websites

8. Disclaimers and Limitations of Liability

Service Availability

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the Services will be uninterrupted, secure, or error-free.

Limitation of Liability

To the maximum extent permitted by law, VANTA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Business interruption
• Loss of goodwill or reputation
• Cost of substitute services

Our total liability for any claims arising from your use of the Services shall not exceed the amount you paid to us in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless VANTA, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights.

10. Privacy

Your use of our Services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11. Termination

We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Requests by law enforcement or government agencies
• Discontinuation of the Services

Upon termination, your right to use the Services will immediately cease. Provisions that by their nature should survive termination shall remain in effect.

12. Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law provisions.

Arbitration

Any dispute arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits.

Exceptions

Either party may seek injunctive relief in court to protect intellectual property rights or confidential information.

13. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and VANTA regarding the Services.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

14. Contact Information

If you have questions about these Terms, please contact us: