Terms of Service

Last updated: September 29, 2026

1. Agreement to these terms

By using gavirialifeinsurance.com, start.gavirialifeinsurance.com and related pages (the "Site") and our related services, you agree to these Terms. If you do not agree, please do not use the Site.

2. Changes

We may update these Terms from time to time. The date above shows the latest version. Continued use of the Site means you accept the updated Terms.

3. Our services

Gaviria Life Insurance Solutions provides information about life insurance and helps people compare and apply for coverage with insurance carriers through Kevin Gaviria, a Licensed Life Insurance Producer in New Jersey and Georgia. Submitting a request does not guarantee coverage, approval, availability, or a specific price. Coverage, benefits, exclusions and pricing are set by the insurance carrier and the policy itself.

4. Not legal, tax or financial advice

Content on the Site is general information, not legal, tax, financial or medical advice. Talk to a qualified professional about your specific situation.

5. Forms and contact

When you submit information through the Site, you agree we may use it to respond to your request and contact you about it, as described in our Privacy Policy. You agree the information you give is accurate to the best of your knowledge. Our chat and phone assistants may be AI assistants working on Kevin's behalf.

6. SMS program

Gaviria Life Insurance Solutions sends texts about your life insurance inquiry, appointment confirmations and reminders, and related follow-ups to people who opt in on our website. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. For support call (908) 560-6700. Carriers are not liable for delayed or undelivered messages. Consent is not a condition of purchase.

7. Acceptable use

You agree not to interfere with the Site's operation, attempt unauthorized access, submit false information, or misuse the Site or our services.

8. Intellectual property

The Site's content, including text, graphics and logos, belongs to us or our licensors. Please don't copy, distribute or modify it without our written permission.

9. Third-party links

The Site may link to other websites. We aren't responsible for their content or practices.

10. Disclaimers

To the maximum extent permitted by law, the Site is provided "as is" and "as available," without warranties of any kind. We don't promise the Site will be uninterrupted or error-free.

11. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, and our total liability for any claim related to the Site will not exceed $500.

12. Indemnification

You agree to indemnify and hold harmless Gaviria Life Insurance Solutions from claims arising from your misuse of the Site or violation of these Terms or applicable law.

13. Disputes and governing law

We'll try to resolve any dispute informally first. If that doesn't work, disputes will be resolved by binding arbitration in New Jersey to the extent permitted by law, except that either party may use small claims court. These Terms are governed by New Jersey law.

14. Contact

Gaviria Life Insurance Solutions · Rahway, NJ
Email: hello@gavirialifeinsurance.com · Phone: (908) 560-6700