terms and conditions

Last Modified: September, 2021

These Terms & Conditions (“Terms & Conditions” or “Agreement”) are undertaken between you (“user” or “customer”) and Spring Life Insurance (“Company”, “we”, “us” or “our”). These Terms & Conditions control & govern your approach to and use content, products and services of springlifeinsurance.com (“Website”). The Terms & Conditions will also remain active for the new services offered by us or through the Website in the future.

You are advised to read the entire Terms & Policies carefully before accessing our website features. All the services and products offered by us to you depend on the acceptance of yours and that is too without any alteration to the Terms & Conditions in the agreement. If you deny accepting these Terms, you are not allowed to use our website content or any services.

Spring Life Insurance may update Terms or revise any services in the Agreement, so make sure you frequently check Terms & Conditions page regularly. At the top of the page, you can see the effective date of changes along with the updated Terms. As soon we make the changes life, it becomes effective in accessing and using our services. By continuing our services and Web properties after the updating of Terms, you agree & accept the changes.

Table of Contents

  • Disclaimer of warranties

  • Limitation of liabilities

  • Your privacy and security on the Site

  • Using electronic signatures

  • Claims self-service

  • Intellectual property, trademarks, and copyrights

  • Hyperlinks

  • Using other aggregation websites

  • Information about the operation of the site

  • Submissions of unsolicited ideas

  • Important disclosures about Spring Life Insurance products

  • Read more information about this agreement

  • SMS and MMS Terms and Conditions of Use

  • RP SMS and MMS Terms and Conditions of Use

Disclaimer of warranties

All the content, information, materials and useful links available on the site including images, products & services are provided by Spring Life Insurance. There are no guarantee and warranties about the nature and accuracy of the content with the passage of time. 

We are not responsible for any kind of inaccurate content, false information, non-infringement, merchantability warranties or links available on our website of a third party. Spring Life Insurance does not endorse for the reliability and services offered by the third party at their own websites. We have just made a reference of the website at "Useful Link" for the convenience of our customers. 

If we see an inaccuracy, error or disclaim, infringement from the third party contents, we have no obligation for it. The information, links, software, trademark or services published on Spring Life Insurance of third party will not be liable to us. We reserve all the right to delete or remove the additional links to improve the authenticity of our website anytime without notice. 

We make no false promises that the website, page or services can be accessed continuously or without interruption. Also any opinion, statement and advice given by outside party other than Spring Life Insurance, we will not endorse it anyways.

Limitation of liabilities

In no case, Spring Life Insurance, its insurance agents, employees, officers, directors, and authority and service providers will be accountable to you for fulfilling direct, indirect, incidental or consequential damages. It may include any loss profits, lost chances, delayed benefits or claims by the third party to access the content, site links. This applies whether such claims are brought under any theory of law or equity.

Unconditional, our limitation of liabilities includes virus transmitted through unsecured network, User's system, system failure, damaged communication lines, unauthorized access, strikes or any force majeure.

Your liabilities

If you violate any of the Terms and Conditions (as determined by Spring Life Insurance in its sole discretion), Spring Life Insurance may deny you access and use of the Site and its Co. Spring Life Insurance reserves the right to seek all other remedies available at law and in equity. The Site is your property and you agree, at your own expense, to defend, indemnify and hold Spring Life Insurance harmless from any claim or demand (including reasonable attorneys' fees) by a third party in connection with (or arising out of your access to, or use of) the Site or any of its Content in a manner other than as expressly authorized by the Terms and Conditions. If you violate the Terms and Conditions, or any law or rights of a third party, you are in violation.

Your privacy and security on the site

Personal information

For us your privacy matters the most, therefore Spring Life Insurance does not disclose your personal information shared by you during the User Account setup to any other party or an individual. We take your privacy and online security very seriously

Updating your personal information

If you bought new SIM or a new house, it will be your sole responsibility to update the information with Spring Life Insurance team. You can email or directly contact us through website, mobile app, by calling or over emails. You must update your name, address, and email or telephone number to continue getting updates, Offers and payment notifications.

Spamming and solicitation

Sharing or spamming any piece of information is strictly prohibited at Spring Life Insurance.

Notice of applicability to children

Our life insurance services are not applicable for the children under 13 or younger. You will require a guardian or parent to access our services as nominee. 


Using electronic signatures

Online access

For the customer’s convenience Spring Life Insurance has provided few Online activities such as you can access computer, mobile or personal TAB to access the services of the our company. You need to have an internet connection for getting policies and products and to perform certain transactions as well.

To enjoy the online access of our services and page, you need to accept the information in the form of SMS, Email notification or through calling which will be about your documentation, price quote, billing statements and digital signatures. Although it will not a compulsion for the Spring Life Insurance to update you electronically every time, Spring Life Insurance opt for sending your digital notification on its own sole discretion.

If you don’t want to receive any online notification, you can discontinue using Online Access features. To know more about the coverage cost, billing & transactions you can call Spring Life Insurance at +1 (305) 677-3952 or email us at spiring.lifeinsurance@gmail.com

Different country follow different insurance rules, so you can ask our team on call regarding the font size of the insurance documents. 

System requirements

To receive access and reply to applicable Communications, you’ll need: 

  • A personal computer or other access device with internet access

  • A web browser that is capable of supporting 128-bit SSL encryption

  • Software that lets you get and open Portable Document Format (PDF) files

  • The ability to download or print agreements and disclosures

 

System requirements to retain information

In order to keep the Communications you receive electronically for your records, your system must be able to download (for example, to your hard disk drive or a floppy diskette), print PDF files, or print web pages and embedded HTML files and sign Communications with a pen, and then return them to Spring Life Insurance according to the instructions on the document. For this purpose, you must have a functioning printer connected to your computer or other device that is able to print Communications and the instructions on plain, white 812-by-11-inch paper.


Claims Self-service terms and conditions

Using claims self-service will provide you with access to certain claims information. However, it will not replace communication with the claims adjuster or written correspondence with the claimant. For additional information concerning a claim, you should contact your assigned adjuster.

We do not confirm the accuracy of information presented within Spring Life Insurance's Claims Self-service or that we have completed our investigation of the claim. Contact your assigned adjuster if you have concerns or questions about the information displayed on Claims Self-service.

After you cancel your policy with Spring Life Insurance, you won't be able to access the Claims Self-service service for 30 days. Spring Life Insurance will continue to investigate and evaluate your claim in accordance with the terms and conditions of the policy and state law. 

It is your responsibility to inform your assigned adjuster in writing if you are represented by counsel and no longer wish to receive email correspondence from Claims Self-service. Please specify in your written correspondence that you wish to cease receiving emails from Claims Self-service. Once you are represented by counsel, you must discontinue using the Spring Life Insurance.com portal if you do not wish to receive online access to Claim Self-service.

As part of the Claims Self-service option, you can upload and submit your own photos and documents related to the incident. However, you should only upload photos and documents that relate to the claim and fall within one of the categories listed in the Photo & Documents option. Uploading correspondence, time-sensitive materials, or documents related to a personal injury claim (such as medical records, bills, and photographs of the injury) are not accepted. Please e-mail, mail, or fax any photos or documents that do not fit into one of the categories available through the Photo & Documents Upload feature to your claims representative. Spring Life Insurance will use the photos and documents you upload for purposes of investigation, evaluation and resolution of your claim, as well as for other business purposes.

You are not permitted to replace or modify your policy or policy declarations page with information displayed in Self-Service Claims. You should read your policy and policy Declarations Page for complete information on your coverage. When there's conflict between the policy, the policy Declarations Page, and the information listed on the Claim Self-service website, the policy and policy Declarations Page take precedence.


Intellectual property, trademarks and copyrights

Intellectual property

Copyrights, trademarks, service marks, treaties, and other proprietary rights, as well as the laws of the United States and other countries, protect intellectual property. Please make sure to abide by any additional trademark or copyright notices or restrictions included in the Terms and Conditions. Spring Life Insurance does not grant you any rights or interests in its intellectual property and the Terms and Conditions don't create any relationship between the two parties. You may address all inquiries concerning use of Spring Life Insurance's intellectual property to: Spring Life Insurance, Spring TX, +1 (305) 677-3952 (email address: spiring.lifeinsurance@gmail.com).

Trademark notice

The trademarks, service marks, slogans, logos, trade dress and other identifiers ("Marks") displayed on the Site are the property of Spring Life Insurance, unless otherwise disclosed. You’re prohibited from using any Marks for any purpose (including, but not limited to, use on other materials, in presentations, as domain names or as Meta tags), without the written permission of Spring Life Insurance.

Copyright notice

© 2021 Spring Life Insurance.  All rights reserved. 

You’re prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of Spring Life Insurance.

Designated agent (Digital Millennium Copyright Act)

If you are a copyright owner or an agent thereof of a work protected by a United States copyright has been linked to, posted or stored on the Site without authorization and you believe that any content on the Site infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent, with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

  • An authorized signatory to an exclusive right that's allegedly infringed on either a physical signature or an electronic signature.

  • A description of the allegedly infringed copyrighted work including a URL (if applicable). If more than one copyrighted work appears on a single online site, please provide a list of all of these works.

  • Identify the allegedly infringing material (or the activity that it is claimed is infringing) and provide information reasonably sufficient to permit the service provider to locate it.

  • A reasonable amount of information allowing the service provider to contact the complainant, such as an address, phone number, and email address.

  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law

  • The signature of a person authorized by the owner of an exclusive right that's allegedly infringed, confirming that the information in the notification is true and accurate (under penalty of perjury).

 

Please direct copyright infringement notifications to: 

Spring Life Insurance Company

Spring, TX, USA

+1(832)539-7576

info@springlifeinsurance.com (the “Copyright Agent”) 

You acknowledge that if you fail to comply with all of these requirements, your DMCA notice may not be valid. 

When you consider your content that was removed, or whose access was disabled, from the Site to not be infringing, or that you have permission from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the content, please contact us:

  • Your physical or electronic signature.

  • Identification of the content that has been removed (or to which access has been disabled) and the location where the content appeared before it was removed or disabled.

  • A statement that you have a good faith belief that the content was removed or disabled as a result of a mistake or a misidentification of the content.

  • Your name, address, telephone number and email address.

  • A statement that you consent to the jurisdiction of the federal court in spring, TX.

  • A statement that you will approve facilities of process from the person who provided alerts of the alleged infringement.

If a counter-notice is received by the Copyright Agent, Spring Life Insurance may send a copy of the counter-notice to the original complaining party informing them that we may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced (or access to it restored) in 10 to 14 business days. Replacing or restoring content is at Spring Life Insurance’s sole discretion and could take longer than 14 business days.

 

License and reproduction

Original materials of Spring Life Insurance posted on the Site are protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, and display and navigate the Site solely for your personal, non-public use. You’re also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of the Site or any of its Content is strictly prohibited without written permission from Spring Life Insurance.

Except as expressly provided above, no part of the Site, its Contents, or any copyright, trademark, trade name, service mark, or other proprietary information of Spring Life Insurance (collectively, the "Intellectual Property") displayed on the Site or in any of the Content may be reproduced, altered, removed, transmitted, published, or distributed (whether electronically, mechanically, by photocopy, recording, or otherwise) without the prior written permission of Spring Life Insurance TX. It is completely forbidden to use any Spring Life Insurance trademarks as Meta tags on any third-party website. Without Spring Life Insurance's prior written consent, you may not co-brand the Site or display it in frames (or any of the Content through inline links). "Co-brand" means your display of any of the Intellectual Property (or your taking of other means of attribution or identification of Spring Life Insurance) in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Site or any of its Content. You agree to cooperate with Spring Life Insurance in causing any unauthorized co-branding, framing or linking to immediately cease.


Hyperlinks

Spring Life Insurance may authorize linked websites to or from the Site from time to time. Third parties, not Spring Life Insurance, control and operate the linked websites. Spring Life Insurance makes no representations or warranties about the content or material available at those locations, the accuracy of information, or the quality of products or services provided or advertised on connected websites, and disclaims all liability in that regard. The fact that Spring Life Insurance approves linked websites does not imply that it endorses, authorizes, sponsors, or affiliates with the linked websites, their owners, sponsors, or providers..

Using other aggregation websites

Other companies may offer aggregation websites and services that allow you to consolidate your financial account information from all of the financial institutions you do business with so that you can view all your account information at one online location. To do this, an aggregation provider may request access to your financial information, usernames and passwords. Before you provide them with this information, you should use caution and ensure that the aggregator company has appropriate privacy and security exercise in place to secure the information you provides, or to which they are gaining access.

We’re not blameworthy for the usage or disclosure of any personal information obtains by any company or person to whom you provide your Site username and password. If you come up with your Site username, password or other information about your accounts with us to an aggregation website, we’ll regard that you’ve authorized all transactions or actions initiated by an aggregation website, whether you were aware of a particular transaction or action. If you opt to nullify the authority you’ve given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website can no longer access your account.


Information about the operation of the site

You can edit text on your website by double clicking on a text box on your website. Alternatively, when you select a text box a settings menu will appear. your website by double clicking on a text box on your website. Alternatively, when you select a text box

Spring Life Insurance operates the Site from its offices within the United States. Spring Life Insurance does not represent that Content on the Site is appropriate or applicable for use in any other country. Access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you’re accessing the Site on your own initiative and at your own risk. You’re responsible for compliance with all local laws. These Terms and Conditions shall be governed by (and construed in accordance with) the laws of the United States and the State of Ohio. You consent to exclusive jurisdiction and venue in Franklin County, Ohio and waive the defense of forum non convenient

Submissions of unsolicited ideas


Spring Life Insurance values your feedback. However, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services through the Site. Spring Life Insurance makes this request to avoid confusion in the future regarding the origin of the concept, product or service. 

If, despite our request that you not send us any creative materials, you still send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information shall be deemed by Spring Life Insurance to be (and shall remain) the property of Spring Life Insurance. None of the Information shall be subject to any obligation of confidence on the part of Spring Life Insurance. Also, Spring Life Insurance shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Spring Life Insurance shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever (commercial or otherwise), without compensation to the provider of the Information.

Visitor submissions

All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Site that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions." 

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that’s illegal, indecent, profane (either directly or indirectly through partially-obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to Spring Life Insurance's Privacy Policy or otherwise injurious to Spring Life Insurance or third parties. Visitor Submissions also should not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Spring Life Insurance), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you’re the individual identified by the address. If you wish to submit materials to the Site, you’re prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are (or purport to be) the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy. 

Visitor Submissions become the property of Spring Life Insurance. You grant Spring Life Insurance a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit and reformat Visitor Submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you’re also hereby granting to Spring Life Insurance the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission. 

Visitor Submissions used, displayed or propagated by Spring Life Insurance or others licensed by Spring Life Insurance to use Visitor Submissions may be attributed to you unless the visitor has expressly requested anonymity. Spring Life Insurance reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Spring Life Insurance's sole discretion and judgment. Spring Life Insurance otherwise reserves the right to remove Visitor Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so. 

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Spring Life Insurance.


Important disclosures about Spring Life Insurance products

(Please note: All products not offered by all companies in all states.)

Property and casualty insurance products

Products, coverage, discounts, insurance terms, definitions, and other descriptions are provided solely for the purpose of providing you with information. They do not alter or amend the definitions and content in your individual insurance contracts, policies, and/or declaration pages from Spring Life Insurance-affiliated underwriting companies, which are the only ones that matter. State-specific products, coverage’s, conditions, and savings may be available. There may be some exceptions.

Variable insurance products
Investing entails market risk, which might result in the loss of your money. There’s no assurance that you'll meet your investment goals. Prospectuses are used to sell variable products, and you should study them carefully before investing. Your investing professional can provide you with product and underlying fund prospectuses, and they may also be available online.
Consider the fund's investment objectives, risks, charges, and fees before investing. This and other essential information can be found in the product prospectus and the underlying fund prospectus

Securities products mentioned on this Site

No security or insurance product is offered or will be sold in any area where such an offer or solicitation would be prohibited by local law. In some states, some products, product features, or underlying investment possibilities may not be available.. 

Mutual funds
Spring Life Insurance Funds are only available to residents of the United States and are only marketed through a prospectus. Investing in mutual funds entails risk, including the potential for principal loss. Before investing in a mutual fund, investors should carefully analyze its investment objectives, risks, fees, charges, and expenses, as well as read the prospectus.

Spring Life Insurance Fund Distributors LLC distributes Spring Life Insurance Mutual Funds and Spring Life Insurance Variable Insurance Trust. For more information about Spring Life Insurance Funds, call 1-800-848-0920 and ask for a prospectus, or go to the prospectus website for Spring Life Insurance Funds. 

No offer

The information on the Spring Life Insurance Mutual Capital Site is not intended to be a solicitation, offer, recommendation, invitation, or inducement to purchase or sell any investment or to enter into or close any transaction.

Private equity investment

Private equity investments can be dangerous and illiquid. Investments and income from them can fluctuate in value, and money invested can be lost. Assessing and obtaining good information on investments and their value can be difficult. Current values or historical performance are not indicative of future values or performance..


Read more information about this agreement

Entire agreement

In short Spring Life Insurance set forth these Terms & Conditions to flow

Except to the extent otherwise set forth in the Terms and Conditions, these Terms and Conditions set forth the entire understanding between Spring Life Insurance and you with respect to your access to (and use of) the Site and its Content. These Terms and Conditions replace all prior or simultaneous understandings about access and use.

Severability

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the Terms and Conditions will remain in effect.

Waiver

Failure by Spring Life Insurance, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions