Terms of Service

Effective Date: 01/10/2025

These Terms of Service (“Terms”) govern your use of veterans-life.com (the “Site” or “Platform”), which is owned and operated by Twenty Four Hour, LLC (“Twenty Four Hour, LLC,” “Company,” “we,” “our,” or “us”).

By accessing or using this Site, submitting information, or interacting with our services, you agree to be bound by these Terms.
If you do not agree, do not use the Site.

1. About Our Services

veterans-life.com is a consumer marketing and lead-generation platform operated by Twenty Four Hour, LLC.

We are not an insurance company, carrier, or agency.
We do not underwrite insurance policies, quote premiums, or make eligibility determinations.

Our role is to collect consumer inquiries and connect users with licensed third-party insurance agents, brokers, agencies, or marketplaces who may offer insurance products or services.

All insurance products and services are provided solely by third-party providers and are subject to their own terms, underwriting rules, and availability in your state.

2. Eligibility

You must be at least 18 years old to use this Site.

By submitting information, you represent and warrant that:

  • You are legally able to enter into these Terms

  • The information you provide is truthful and accurate

  • You are submitting your own contact details

3. Consent to Contact

By submitting your information through forms or phone calls, you expressly consent to be contacted by Twenty Four Hour, LLC, veterans-life.com, and our marketing and insurance partners via:

  • Telephone calls

  • Text messages (SMS)

  • Email

  • Artificial or prerecorded voice

  • Automated dialing systems

This consent applies even if your number appears on any state or federal Do-Not-Call registry.

Consent is not a condition of purchasing insurance.

Message and data rates may apply.
You may opt out of text messages by replying STOP.

4. Acceptable Use

You agree to use the Site only for lawful purposes.

You may not:

  • Provide false or misleading information

  • Attempt to interfere with Site security or operations

  • Copy, scrape, harvest, or misuse Site data

  • Upload malicious code

  • Circumvent safeguards or tracking systems

We may suspend or restrict access for violations.

5. No Guarantee of Quotes or Coverage

Submitting your information does not guarantee:

  • That you will be contacted

  • That you will receive quotes

  • That coverage will be offered

  • That you will qualify for any product

Coverage decisions, pricing, and availability are controlled exclusively by licensed insurance providers.

6. Intellectual Property

All Site content—including text, graphics, logos, layout, design, and software—is owned by or licensed to Twenty Four Hour, LLC and protected by intellectual-property laws.

You may not reproduce, distribute, modify, or exploit any portion without written permission.

7. Third-Party Links and Services

The Site may include links to third-party websites.

We do not control or endorse those sites and are not responsible for their content, policies, or privacy practices.

Use third-party services at your own risk.

8. Privacy

Your use of the Site is governed by our Privacy Policy, which explains how we collect, use, and share personal information.

By using the Site, you consent to those practices.

9. Disclaimer of Warranties

The Site and services are provided on an “as-is” and “as-available” basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:

  • Merchantability

  • Fitness for a particular purpose

  • Non-infringement

  • Availability or accuracy

We do not guarantee uninterrupted or error-free service.

10. Limitation of Liability

To the fullest extent allowed by law:

Neither Twenty Four Hour, LLC, veterans-life.com, nor their affiliates, officers, employees, or partners shall be liable for indirect, incidental, consequential, special, or punitive damages.

Our maximum total liability for any claim related to your use of the Site shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Twenty Four Hour, LLC, veterans-life.com, and their affiliates, employees, agents, and partners from any claims, losses, damages, liabilities, or expenses (including attorneys’ fees) arising from:

  • Your use of the Site

  • Your violation of these Terms

  • Your submission of inaccurate information

  • Your violation of third-party rights

12. Governing Law & Venue

These Terms are governed by the laws of the State of California and applicable federal law.

Any dispute must be brought exclusively in the state or federal courts located in San Diego County, California.

You waive any right to participate in class actions or jury trials relating to disputes with us, to the extent permitted by law.

13. Changes to These Terms

We may modify these Terms at any time.

Updates will be posted with a new Effective Date.

Continued use of the Site after changes constitutes acceptance.

14. Contact Information

For questions regarding these Terms:

Twenty Four Hour, LLC
Operating veterans-life.com
Phone: +1 (833) 822-3284