Effective Date: August 7th, 2025
Last Updated: August 7th, 2025
By accessing and using this website sleepy.website and/or scheduling a consultation through our services, you accept and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our services.
BINDING AGREEMENT: These Terms constitute a legally binding agreement between you and Garcia Life LLC, enforceable to the fullest extent permitted by law.
Garcia Life LLC ("we," "us," "our") operates as a licensed life insurance brokerage providing:
Educational content about life insurance and tax strategies
Life insurance consultations and illustrations
Connection services between consumers and licensed insurance professionals
Insurance product comparisons and recommendations
IMPORTANT: We are a lead generation and brokerage service. By using our services, you expressly consent to being contacted by multiple insurance agents and agencies.
By providing your information, you expressly consent to and understand that:
a) Multiple Agent Contact: Your information will be used with one or more licensed insurance agents who may contact you by:
Phone (including mobile)
Text message/SMS
Direct mail
Any other available communication method
b) Contact Frequency: You may be contacted multiple times by different agents. There is no limit to the number of agents who may contact you.
c) Contact Timing: You may be contacted immediately and for up to one (1) year after submitting your information.
d) Automated Dialing: You consent to receive calls and texts made using an automatic dialing system, pre-recorded messages, or artificial voice.
e) No Purchase Obligation: Your consent to be contacted is not a condition of purchasing any products or services.
f) Third-Party Distribution: Your information may be:
Sold or transferred to licensed insurance agents within our brokerage network
Sold or transferred to third-party insurance agencies and brokerages
Used with partner organizations for insurance-related offers
Used for matching you with appropriate insurance professionals
By providing your telephone number, you expressly consent to receive telemarketing calls and text messages from us, our agents, partners, and affiliated companies regarding insurance products and services. This express consent applies even if your phone number is on any Do-Not-Call list. Standard message and data rates may apply.
To opt-out of communications:
Text STOP to any text message
Email: [email protected]
YOU EXPRESSLY AGREE THAT USE OF OUR SERVICES IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU HEREBY RELEASE, WAIVE, DISCHARGE, AND COVENANT NOT TO SUE COMPANY_NAME, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, PARTNERS, SUCCESSORS, AND ASSIGNS FROM ANY AND ALL LIABILITY, CLAIMS, DEMANDS, ACTIONS, AND CAUSES OF ACTION WHATSOEVER ARISING OUT OF OR RELATED TO:
a) Any loss, damage, or injury (including death) that may be sustained by you
b) Any financial losses or tax consequences
c) Any insurance policy performance or non-performance
d) Any advice or information provided or not provided
e) Any technical issues, errors, or omissions on our website
f) Any actions of third-party insurance agents or companies
g) Any life changes, financial decisions, or outcomes
h) Any miscommunications or misunderstandings
i) Any regulatory changes or legal interpretations
j) Any direct, indirect, incidental, punitive, or consequential damages
THIS RELEASE INCLUDES CLAIMS BASED ON NEGLIGENCE, BREACH OF CONTRACT, BREACH OF WARRANTY, VIOLATION OF STATUTES, OR ANY OTHER LEGAL THEORY.
You acknowledge and agree that:
Life insurance and financial planning involve inherent risks
Tax laws and regulations can change without notice
Insurance products may not perform as illustrated
Financial decisions can result in losses
You are voluntarily assuming all such risks
You have been advised to seek independent professional advice
ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
WARRANTIES OF MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
ACCURACY OR COMPLETENESS OF INFORMATION
RESULTS OR OUTCOMES
WE EXPLICITLY DO NOT GUARANTEE:
Insurance approval or specific premiums
Tax savings or benefits
Investment returns or performance
Legal or regulatory compliance of strategies discussed
Suitability of any product for your situation
Accuracy of illustrations or projections
Future tax law treatment
NO FIDUCIARY, ADVISORY, OR PROFESSIONAL RELATIONSHIP EXISTS. WE ARE NOT:
Your financial advisor
Your tax advisor
Your attorney
Your fiduciary
Responsible for your financial decisions
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS COMPANY_NAME AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, SUPPLIERS, PARTNERS, SUCCESSORS, AND ASSIGNS FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, OBLIGATIONS, LOSSES, LIABILITIES, COSTS, DEBT, AND EXPENSES (INCLUDING ATTORNEY'S FEES) ARISING FROM:
a) Your use or misuse of our services
b) Your violation of these Terms
c) Your violation of any law or third-party rights
d) Any information you provide to us or insurance agents
e) Any financial decisions you make
f) Any tax positions you take
g) Any insurance claims or disputes
h) Any harm to third parties
i) Your negligence or willful misconduct
THIS INDEMNIFICATION SURVIVES TERMINATION OF THESE TERMS.
AGGREGATE LIABILITY CAP: IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00).
EXCLUSION OF DAMAGES: WE SHALL NOT BE LIABLE FOR:
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
LOST PROFITS, REVENUE, DATA, OR USE
ATTORNEY'S FEES OR LITIGATION COSTS
DAMAGES EXCEEDING THE ABOVE CAP
ESSENTIAL PURPOSE: THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS ITS ESSENTIAL PURPOSE.
ANY DISPUTE SHALL BE RESOLVED THROUGH INDIVIDUAL BINDING ARBITRATION, NOT IN COURT. This includes all claims, regardless of legal theory, including:
Contract claims
Tort claims (including negligence)
Statutory claims
Regulatory claims
Constitutional claims
YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS.
Claims must be brought individually.
YOU WAIVE ANY RIGHT TO A JURY TRIAL.
Claims properly filed in small claims court are exempt from arbitration.
YOU MUST BRING ANY CLAIM WITHIN ONE (1) YEAR OF THE EVENT GIVING RISE TO THE CLAIM. CLAIMS BROUGHT AFTER THIS PERIOD ARE FOREVER BARRED.
These Terms are governed by Florida law. Any permitted court proceedings must be brought in United States, Florida. You consent to personal jurisdiction and venue there.
If any provision is unenforceable, the rest remains in effect. Provisions regarding liability, indemnification, arbitration, and IP rights survive termination.
We are not liable for failures due to circumstances beyond our control, including but not limited to:
Acts of God
Natural disasters
Pandemics
Government actions
Internet or technology failures
Regulatory changes
Insurance agents contacted through our service are INDEPENDENT CONTRACTORS. We are not liable for their:
Representations or misrepresentations
Actions or omissions
Advice or recommendations
Policy servicing
Claims handling
You acknowledge that:
Insurance regulations vary by state
Products may not be available in your state
We make no guarantee of regulatory compliance
You are responsible for understanding applicable laws
Any disputes regarding insurance policies must be resolved directly with the insurance company. We are not a party to your insurance contract.
All content is protected by copyright, trademark, and other IP laws. Unauthorized use may result in:
Immediate termination
Legal action
Damages including attorney's fees
Injunctive relief
Your use is governed by our Privacy Policy. Key protections include:
Right to sell and use your data
No liability for data breaches beyond our control
Your assumption of risk in providing information
We may modify these Terms at any time. Continued use constitutes acceptance. We are not liable for any harm from changes.
These Terms and our Privacy Policy constitute the entire agreement and supersede all prior agreements.
BY USING OUR SERVICES, YOU ACKNOWLEDGE:
You have read and understood these Terms
You have had the opportunity to seek legal counsel
You voluntarily agree to all provisions
You are of legal age and capacity
You waive any claim that these Terms are unclear
Garcia Life LLC
8765 Warwick Shore Xing
Orlando, Florida 32829
Email: [email protected]
For California residents: You expressly waive California Civil Code Section 1542, which states: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."
NO ORAL MODIFICATIONS: These Terms may only be modified in writing.
NO WAIVER: Our failure to enforce any provision is not a waiver.
ASSIGNMENT: We may assign these Terms. You may not.
HEADINGS: Section headings are for convenience only.
INTERPRETATION: Ambiguities are not construed against the drafter.
BY USING OUR SERVICES, YOU EXPLICITLY ACKNOWLEDGE AND AGREE TO ALL TERMS, RELEASES, WAIVERS, AND LIMITATIONS CONTAINED HEREIN.
© 2025 Garcia Life LLC. All rights reserved.