These Terms of Service ("Terms") govern your access to and use of the website kevinloveladybroker.com and the life insurance brokerage services offered by Kevin Lovelady ("we," "our," or "us"), located at 6510 South Hazelton Lane 112, Tempe, AZ 85283. By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
Kevin Lovelady is an independent licensed life insurance professional. We provide educational information, consultations, quotes, and policy placement services for life insurance products from multiple carriers. We are compensated by insurance carriers when a policy is placed; we do not charge consumers directly for consultations.
You must be at least 18 years old and have the legal capacity to enter into a binding contract to use our services. By using our website, you represent and warrant that you meet these eligibility requirements.
Information provided on this website or during consultations is for general informational purposes only and does not constitute insurance, legal, tax, or financial advice. Insurance products discussed may not be suitable for every individual. You should consult with qualified professionals regarding your specific situation before making insurance decisions.
Kevin Lovelady is a licensed life insurance professional. State licensing information is available upon request. All insurance policies are issued by licensed insurance carriers, not by Kevin Lovelady directly.
Consent to Receive Messages: By providing your phone number through our website chat widget and opting in to receive SMS communications, you expressly consent to receive text messages from Kevin Lovelady regarding your life insurance inquiry, quotes, policy information, and related communications.
Message Frequency: Message frequency varies based on your conversation and the status of your inquiry.
Message and Data Rates: Message and data rates may apply according to your mobile carrier's plan.
Opt-Out: You may opt out at any time by replying STOP to any message. You will receive a confirmation message, and no further messages will be sent unless you opt in again.
Help: For assistance, reply HELP to any message or contact us at (928) 642-5198.
Supported Carriers: SMS services are supported on major U.S. carriers. Carriers are not liable for delayed or undelivered messages.
No Information Sharing: Mobile phone numbers and SMS consent information will not be shared with third parties or affiliates for marketing or promotional purposes.
By providing your contact information, you consent to receive communications from Kevin Lovelady by phone, email, and text message regarding our services. You may opt out of marketing communications at any time by contacting us directly.
You agree to use our website only for lawful purposes and in a manner that does not infringe on the rights of others or restrict their use of the website. Prohibited activities include but are not limited to those listed in Section 9.
You agree not to:
All content on this website, including text, graphics, logos, images, and software, is the property of Kevin Lovelady or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Any information you provide to us must be accurate, current, and complete. You are responsible for maintaining the confidentiality of any login credentials or account information and for all activities that occur under your account.
Our website may contain links to third-party websites or content. We are not responsible for the content, privacy practices, or policies of any third-party websites. Your use of third-party websites is at your own risk and subject to their respective terms and policies.
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
We do not guarantee the approval of any insurance application or the issuance of any insurance policy. All insurance decisions are made by the insurance carriers based on their underwriting criteria.
TO THE FULLEST EXTENT PERMITTED BY LAW, KEVIN LOVELADY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our total liability for any claim arising out of or related to these Terms or our services shall not exceed one hundred dollars ($100).
You agree to indemnify, defend, and hold harmless Kevin Lovelady and its affiliates, employees, agents, and representatives from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the website or services, your violation of these Terms, or your violation of any rights of a third party.
We reserve the right to terminate or suspend your access to our website or services at any time, with or without cause, and with or without notice. Upon termination, your right to use the website and services will immediately cease.
These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of such courts.
In the event of any dispute arising out of or related to these Terms or our services, the parties agree to first attempt to resolve the dispute informally through good-faith negotiations. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue any remedies available at law or in equity, subject to the governing law and jurisdiction provisions in Section 18.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kevin Lovelady regarding your use of our website and services and supersede all prior agreements and understandings.
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms at any time without notice.
We may update these Terms from time to time. The updated version will be effective as soon as it is posted on this page with a revised effective date. Your continued use of our website or services after any changes constitutes acceptance of the updated Terms.
If you have questions or concerns about these Terms, please contact us:
Kevin Lovelady
6510 South Hazelton Lane 112
Tempe, AZ 85283
Phone: (928) 642-5198
Email: [email protected]
Website: kevinloveladybroker.com
These Terms of Service are effective as of May 27, 2026.