Terms and Conditions
Last updated: May 21, 2025
Welcome to LifeCarrierMatch.com, a website operated by Practical Accounting and Tax LLC (dba "Practical A.T."). By accessing or using this Site, you agree to the Terms below. If you do not agree, please discontinue use immediately.
1. Definitions
- "Company," "we," "our," or "us" - Practical Accounting and Tax LLC, owner of LifeCarrierMatch.com.
- "You," "user," or "client" - Any individual or entity accessing the Site or Services.
- "Service(s)" - refers to the website, Life Insurance consulting, communications, and any other offerings proviced by lifecarriermatch.com.
2. Services
We connect prospective clients with a licensed life-insurance and mortgage-protection agents brokers. Service offerings and availability may change without notice.
3. Consent to SMS Communication
By providing your phone number, you agree to receive recurring SMS messages from Practical A.T. for appointment confirmations, reminders, and policy-related updates. Message frequency varies. Message & data rates may apply. Consent to receive texts is not a condition of purchase.
Opt-out: Reply STOP to cancel further messages.
Help: Reply HELP or contact (623) 295-2525 or ben@lifecarriermatch.com.
Carrier disclaimer: Carriers are not liable for delayed or undelivered messages.
We never sell, rent, or share mobile numbers for third-party marketing.
4. Account Responsibilities
You are responsible for all activity under any account you create on our Site.
5. Payments & Refunds
Certain policy applications may require payment to the selected carrier. Fees are governed by carrier terms.
6. Intellectual Property
All Site content is owned by Practical A.T. or its licensors and may not be reproduced without written permission.
7. Prohibited Use
Do not use the Site or Services for unlawful purposes, including sending unsolicited SMS messages or misrepresenting your identity.
8. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Services.
9. No Guarantees
We make no guarantees regarding insurance approvals, coverage amounts, premiums, or financial outcomes.
10. Third-Party Links & Services
Our Site may reference third-party carrier portals or resources. We are not responsible for their content or privacy practices.
11. Governing Law
These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles.
12. Modifications
We may update these Terms at any time. Changes become effective when posted with a revised "Last updated" date.
13. Contact Us
Email: ben@lifecarriermatch.com
Phone/Text: (623) 295-2525
14. Privacy
See LifeCarrierMatch.com/privacy for our full Privacy Policy.