Welcome to the website of EternaTrust Insurance Group LLC ("Company," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website located at www.eternatrustgroup.com ("Website"), including any content, functionality, and services offered on or through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.

1. Using Our Site
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our Website solely for your personal, non-commercial use related to exploring or purchasing insurance products. You agree not to use the Website for any unlawful or prohibited purpose, including but not limited to:
•    Violating any applicable federal, state, local, or international law.
•    Impersonating another person or entity.
•    Interfering with the proper functioning of the Website.
•    Attempting to gain unauthorized access to any systems, networks, or customer information.

2. Consent to Doing Business Electronically
By accessing the Website, you agree to transact with us electronically. This includes receiving all notices, agreements, and disclosures related to insurance products electronically, rather than in paper form. You are responsible for ensuring that your electronic communication settings are accurate and up-to-date. You may withdraw your consent by discontinuing your use of the Website; however, doing so may limit your ability to purchase or manage insurance products.

3. Leaving www.eternatrustgroup.com
Our Website may contain links to third-party websites for additional resources or partner services. These links are provided for your convenience only, and we do not endorse or guarantee the content, services, or products offered on these external websites. You acknowledge and agree that we are not responsible for any losses or damages resulting from your use of these third-party websites. We encourage you to review their terms and privacy policies before proceeding.

4. EternaTrust Only Sells Insurance in Licensed States
EternaTrust Insurance Group LLC provides insurance products only in states where we are properly licensed. By using our Website, you confirm that you are located in a state where we are authorized to sell insurance. Misrepresentation of your location may result in termination of your access to the Website and related services.

5. Our Quote is Not the Final Price
Quotes provided on our Website are estimates based on preliminary information you provide. Final pricing for insurance products is determined by underwriting guidelines, additional information, and risk factors. The final policy terms, conditions, and premiums will be provided upon issuance of the policy.

6. EternaTrust Protects Its Brand and Assets
All trademarks, service marks, logos, and other intellectual property displayed on the Website are the property of EternaTrust Insurance Group LLC. Unauthorized use of these assets, including copying or reproducing content for commercial purposes, is strictly prohibited and may result in legal action. You may not use any of our trademarks in connection with any product or service without prior written consent.

7. Your EternaTrust Account
If you create an account with us to manage your insurance policies or applications, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You must notify us immediately of any unauthorized access or suspicious activity. We reserve the right to suspend or terminate your account if we detect fraudulent or unauthorized use.

8. Disclaimer of Warranties
The Website is provided on an "as-is" and "as-available" basis. EternaTrust Insurance Group LLC makes no representations or warranties regarding:
•    The availability, accuracy, or reliability of the Website or its content.
•    The merchantability or fitness of our insurance products for a particular purpose.
We do not guarantee uninterrupted or error-free access to the Website.

9. Indemnification
You agree to indemnify, defend, and hold harmless EternaTrust Insurance Group LLC, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, damages, liabilities, judgments, awards, or costs arising out of:
•    Your use of the Website.
•    Your violation of these Terms.
•    Misrepresentation of information during the insurance application process.

10. Limitation of Liability
To the fullest extent permitted by law, EternaTrust Insurance Group LLC and its affiliates shall not be liable for any:
•    Indirect, incidental, consequential, special, or punitive damages.
•    Loss of profits, revenue, or data.
Our total liability for any claims arising out of these Terms or your use of the Website will not exceed $100 or the amount you have paid us in the past 12 months, whichever is greater.

11. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any legal action arising under these Terms shall be brought exclusively in the courts located in Texas.

12. Arbitration Agreement
You agree that any dispute arising out of or relating to these Terms or the Website will be resolved through binding arbitration, conducted by a single arbitrator under the rules of the American Arbitration Association. Arbitration will take place in Texas, and the arbitrator's decision will be final and binding. By agreeing to arbitration, you waive your right to participate in a class action or jury trial.

13. Miscellaneous
(a) Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and EternaTrust Insurance Group LLC.
(b) Changes to Terms: We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website constitutes acceptance of the updated Terms.
(c) Force Majeure: We will not be held liable for delays or failures in performance resulting from causes beyond our reasonable control, including acts of God, natural disasters, or technical failures.

14. Our Terms Will Change as EternaTrust Evolves and Grows
We are committed to updating our Terms to reflect our evolving insurance services and customer needs. Please review these Terms periodically for updates.

15. Insurance Products
All insurance products described on the Website are subject to the terms and conditions of the applicable insurance policies issued by third-party insurers. Availability, eligibility, and policy terms may vary by state and are subject to underwriting guidelines.

16. Fees
We may charge fees for certain services offered on our Website, including processing fees for insurance applications. Any applicable fees will be disclosed prior to payment. Fees are non-refundable unless otherwise stated.

17. The Referral Program
If we offer a referral program, it will be governed by additional terms and conditions, which will be provided to participants. Referral rewards may be subject to taxation and reporting requirements.

18. Anti-Money Laundering (AML)
We comply with all applicable Anti-Money Laundering (AML) laws and regulations. Customers may be required to provide documentation to verify their identity and prevent fraud. Suspicious activity will be reported to the appropriate authorities.