Book Gaviria Life Insurance Solutions | Best Life Insurance Agent in Rahway, NJ

Effective Date: [March 30, 2026]
Last Updated: [March, 30, 2026]

1. Agreement to Terms
By accessing or using the website at https://gavirialifeinsurance.com (the “Site”) and any related services (collectively, the “Services”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site or Services.

2. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date will reflect the most recent changes. Your continued use of the Site after the updates are posted means you accept the updated Terms.

3. Description of Our Services
Gaviria Life Insurance Solutions (“we,” “us,” or “our”) provides information related to life insurance and may help connect you with licensed professionals or insurance carriers, where applicable.
The Site is for informational purposes and to submit requests for information. Submitting a lead request does not guarantee coverage approval, availability, pricing, or a quote.

4. No Legal/Financial Advice
The information on the Site is provided for general informational purposes only and does not constitute legal, financial, tax, or medical advice. Any insurance coverage, benefits, exclusions, or terms are determined solely by the applicable policy and the relevant insurance provider.

5. Eligibility / Age Requirement
You must be able to form a legally binding agreement. Users under the age of 18 may use the Site only with the involvement and supervision of a parent or legal guardian. We do not knowingly collect personal information from individuals under 18.

6. Lead Forms and Contact
If you submit information through the Site (including via forms), you agree that we may use the information to respond to your request and contact you regarding your inquiry.
By submitting a request, you represent that the information you provide is accurate to the best of your knowledge.

7. SMS / Text Message Communications
If you provide a mobile number and/or consent to receive SMS communications, you agree that we may send appointment-related text messages (for example, scheduling or reminders) using service providers including Voximplant and/or GoHighLevel.
You understand that message frequency may vary and that standard message and data rates may apply.
Opt out: You can opt out of SMS messages by following the opt-out instructions provided in the messages (for example, replying “STOP” where supported). Opt-out applies to SMS communications from us.

8. Acceptable Use
You agree not to use the Site to:
a) advertise or offer to sell goods and services; or
b) sell or otherwise transfer your profile (if a profile is created).
You also agree not to interfere with the Site’s operation, attempt to gain unauthorized access, or misuse the Services in any way.

9. Intellectual Property
The Site and its content, including text, graphics, logos, and other materials, are owned by us or licensed to us and are protected by applicable intellectual property laws. You may not copy, distribute, modify, or create derivative works from our content without our prior written permission.

10. Third-Party Links
The Site may include links to third-party websites or services. We do not control and are not responsible for those third parties or their content, policies, or practices.

11. Termination
We may suspend or terminate your access to the Site or Services at any time, including if we believe you have violated these Terms or engaged in harmful or unlawful activity.

12. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted or error-free.

13. Limitation of Liability
To the maximum extent permitted by law:
a) Any limitations in these Terms must be reasonable and not one-sided.
b) Our total liability for any claims arising out of or related to the Site or Services will not exceed $500.
c) We will not be liable for indirect, incidental, special, consequential, or punitive damages.

14. Indemnification
You agree to indemnify, defend, and hold harmless Gaviria Life Insurance Solutions, its affiliates, officers, agents, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site, your violation of these Terms, or your violation of any applicable laws or regulations.

15. Dispute Resolution
You and we agree to resolve disputes informally first. Before filing a claim, you agree to notify the other party and attempt to resolve the dispute through good-faith informal negotiations.
If the dispute is not resolved, it will be resolved through binding arbitration to the extent permitted by law. Any arbitration will be conducted in New Jersey under rules applicable to arbitration proceedings, and the parties agree to the jurisdiction of the applicable arbitration forum.
Nothing in this section prevents either party from seeking relief in small claims court where available.

16. Governing Law
These Terms are governed by the laws of the State of New Jersey without regard to conflict of law principles.

17. Industry-Specific Compliance Disclaimer
This section is intended for customization only after consultation with an attorney. By including an industry-specific clause, you understand that you are solely responsible for maintaining the information in this clause as required under applicable law.

18. Contact Us
If you have questions about these Terms, contact:
Gaviria Life Insurance Solutions
Email: gavirialifeinsurance@gmail.com
Phone: 908-560-6700
Address: 372 West Scott Ave, Rahway, NJ 07065
Website: https://gavirialifeinsurance.com