Terms of Use
1. Acceptance of Terms
By accessing or using this website, you agree to these Terms of Use. If you do not agree, do not use this site.
2. Purpose of This Site
This website is an informational lead-generation site operated by licensed insurance producers John M. Brown (CA Lic. #4374779) and Joshua Brown (CA Lic. #4509549). It allows you to request information about mortgage protection life insurance and related term life insurance products. Submitting a request through this site does not obligate you to purchase any product and does not guarantee eligibility, approval, or any specific rate.
3. No Guarantee of Coverage or Rates
Any rates, coverage amounts, or product features discussed are illustrative only and subject to underwriting approval by the issuing insurance carrier. Nothing on this site is an offer of insurance or a binding quote.
4. Not Affiliated With Lenders or Government Agencies
This site and its operators are not affiliated with, endorsed by, or sponsored by any mortgage lender, loan servicer, or government agency.
5. Your Information
Use of your personal information is governed by our Privacy Notice, available at protect-mortgage.com/privacy.
6. Intellectual Property
All content on this site is provided for informational purposes and may not be copied or redistributed without permission.
7. No Warranty
This site is provided "as is" without warranties of any kind, express or implied, including as to accuracy, availability, or fitness for a particular purpose.
8. Limitation of Liability
To the fullest extent permitted by law, John M. Brown and Joshua Brown are not liable for any indirect, incidental, or consequential damages arising from your use of this site.
9. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.
10. Changes to These Terms
These Terms may be updated periodically. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.
11. Contact
Questions about these Terms can be sent to john.brown@centaurusenterprises.com.