Terms of Service

1. Acceptance of Terms and Age Verification

By accessing and using this website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.

Age Requirement: By using this website or submitting a form, you certify and represent that you are at least 18 years old. D1 Life services are intended only for individuals age 18 and older. We reserve the right to verify age and deny service to anyone under 18.

Right to Modify Terms: D1 Life reserves the right to make changes to these Terms at any time. Your continued use of the website will mean you accept those changes. We will update the "Last Updated" date to reflect significant modifications.

2. License to Use Website

D1 Life grants you a limited, non-exclusive license to access and use this website for personal, non-commercial purposes. You agree not to:

• Modify, copy, or distribute any content without permission.
• Use automated tools or scripts to scrape data from our website.
• Engage in any illegal activity or violate any laws.
• Harass, threaten, or abuse our staff or other users.
• Attempt to gain unauthorized access to our systems.

2A. SMS Messaging - Message Use, Frequency, and Rates

SMS Message Purpose & Use: By providing your phone number, you consent to receive SMS messages from D1 Life (operated by Liam Patrick Mulroy) regarding your inquiry, including appointment reminders, follow-up communications, appointment scheduling, reminders, and service notifications related to your final expense insurance inquiry.

Message Frequency and Rates:

• Message Frequency: Message frequency may vary. You may receive multiple messages depending on your inquiry and follow-up needs.
• Message & Data Rates: Message and data rates may apply. Standard message and data rates from your wireless carrier will be charged to your account. Contact your wireless carrier for details on your plan's messaging and data rates.

Opt-Out Instructions:

You can opt out at any time by replying "STOP" to any message. For assistance, text "HELP" to +1 717-873-4272 or contact us at liam@d1.life. Your opt-out request will be processed within a reasonable timeframe. After opting out, you will not receive further SMS messages from D1 Life, though you may still receive service-related communications via other methods.

Consent:

By providing your phone number and agreeing to these Terms, you explicitly consent to receive SMS messages from D1 Life (operated by Liam Patrick Mulroy) for the purposes stated above. This consent is not a condition of purchasing any goods or services. You may withdraw consent at any time using the opt-out instructions above. Mobile carriers are not liable for delayed or undelivered messages.

3. Use of Forms and Lead Generation Services - TCPA Consent

When you submit a form or request information from D1 Life:

• You represent that all information provided is true, accurate, and complete.
• TCPA Consent: By providing your phone number and submitting a form, you expressly consent to receive calls and SMS text messages from D1 Life (operated by Liam Patrick Mulroy), our licensed agents, and our insurance carrier partners regarding your insurance inquiry. This includes both automated and non-automated calls and messages.
• You acknowledge that you are the owner of the phone number and email address you provide.
• You agree to our Privacy Policy and any disclosures regarding call recording, monitoring, TCPA compliance, and text messaging.
• You authorize us to share your information with licensed insurance agents, carriers, and service providers to process your inquiry.
• You understand that consent to contact is not a condition of purchasing insurance—you may refuse to provide your phone number or opt-out at any time.

4. Marketing and Advertising Disclaimer

D1 Life may conduct marketing campaigns via Facebook, Google, email, and other platforms. When you see our ads:

• We may use targeted advertising based on your interests and demographics.
• Conversions and website visits may be tracked using pixels and cookies.
• Your information may be used to improve our advertising and marketing efforts.
• You may receive follow-up communications based on your ad interactions.

Special Ad Category Compliance:

Insurance products fall under Meta's "Special Ad Category" for financial products and credit. We comply with all Special Ad Category requirements, including:

• No Discriminatory Targeting: We do not target or exclude users based on protected characteristics (race, color, religion, sex, national origin, political affiliation, sexual orientation, or gender identity).
• Age-Restricted: Our ads are only shown to users aged 18 and older.
• Compliant Data Usage: We do not use sensitive personal attributes for targeting unless explicitly provided and consented to.
• Transparent Messaging: All ads and marketing materials comply with applicable insurance laws and regulations.

By engaging with our ads or submitting a form, you confirm that you are 18 years or older and not subject to legal restrictions preventing you from purchasing insurance products.

5. D1 Life Business Model and Disclaimer of Warranties

What We Do: D1 Life is operated by Liam Patrick Mulroy and operates as both a marketing platform and a licensed insurance producer. We connect consumers with licensed insurance agents and insurance carriers for the purpose of obtaining life insurance quotes and services. We do not directly provide insurance products or underwrite insurance policies.

How We Operate: You may be contacted by Liam Patrick Mulroy (licensed producer) directly or by licensed partner agents and insurance carriers. All agents and carriers involved are licensed and regulated by their respective state insurance departments.

Disclaimer: The website and services are provided "as is" without warranty of any kind, expressed or implied. We disclaim all warranties, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose.
• Warranties that the website will be error-free or uninterrupted.
• Warranties regarding the accuracy or completeness of information provided.
• Warranties that any defects will be corrected.

6. No Guarantee of Insurance Coverage, Pricing, or Approval

D1 Life does not guarantee insurance approval, coverage availability, pricing, savings, or any insurance outcomes. All results depend on individual eligibility, carrier underwriting, state regulations, and carrier policies. Specifically, we do not guarantee:

• That you will qualify for insurance coverage from any carrier.
• Specific rates, premiums, pricing, or policy terms.
• That any insurance company will issue a policy.
• That coverage will remain available from specific carriers.
• Specific coverage amounts, benefits, or exclusions.
• That you will achieve any particular savings or financial outcome.

Insurance quotes, rates, and coverage terms are subject to underwriting and final approval by the insurance carrier. Availability and terms vary based on your health, age, location, and other underwriting factors. Carrier availability and products vary by state and individual eligibility.

7. Licensing, Compliance, and Government Affiliation Disclaimer

D1 Life is operated by Liam Patrick Mulroy, a licensed insurance producer:

Government Affiliation Disclaimer: D1 Life is a private entity and is NOT affiliated with, endorsed by, or associated with Medicare, Medicaid, Social Security, the Department of Health and Human Services, or any federal, state, or local government agency. We are not a government program or government-sponsored entity. All insurance products are offered through private insurance carriers only.

All insurance products are subject to state insurance regulations and carrier policies. Product availability and terms vary by state and individual eligibility. Please verify licensing with your state's insurance department if desired.

10. Educational Disclaimer and Call Recording Disclosure

Educational Disclaimer: All information provided on the D1 Life website and through communications is for educational and informational purposes only and should not be considered financial advice, legal advice, tax advice, or insurance advice. The information provided is general in nature and may not apply to your specific situation. Before making any financial, insurance, or legal decisions, please consult with a qualified financial advisor, attorney, or tax professional.

Call Recording: By providing your phone number or contacting D1 Life, you acknowledge and agree that phone calls may be recorded for quality assurance, training, compliance, and customer service purposes. In two-party consent states, your continued communication indicates consent to recording.

11. Limitation of Liability

To the fullest extent permitted by law, D1 Life shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, even if advised of the possibility of such damages. Our total liability shall not exceed the fees paid to us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify and hold harmless D1 Life, its officers, agents, and employees from any claims, damages, or legal proceedings arising from your use of this website, violation of these terms, or violation of any applicable law or third-party rights.

13. Governing Law and Jurisdiction

These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflicts of law provisions. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Pennsylvania.

14. Dispute Resolution

Before initiating formal legal proceedings, we encourage you to contact us to resolve any disputes. If a dispute cannot be resolved, you may pursue available legal remedies in accordance with the governing law section above.

15. Modification or Discontinuation of Services

D1 Life reserves the right to modify, suspend, or discontinue any part of our website or services at any time, with or without notice. We shall not be liable for any such modification or discontinuation.

16. Contact Information

For questions about these Terms of Service, please contact us: