Effective Date: August 2, 2025

Welcome to American Family Life Insurance at https://www.americanfamilylifeinsurance.com (the “Website”). These Terms and Conditions (“Terms”) govern your use of the Website, including all services, content, and features, such as our AI chatbot “Carla,” appointment scheduling tools, and SMS communications. By accessing or using the Website or our services, you (“User,” “You,” or “Your”) agree to be bound by these Terms and our Privacy Policy (https://www.americanfamilylifeinsurance.com/privacy_policy). If you do not agree, please do not use the Website or services.

1. Acceptance of Terms

By accessing the Website or participating in our services (e.g., booking consultations, receiving SMS), you agree to these Terms, our Privacy Policy, and any additional guidelines or policies posted on the Website. These Terms form a legally binding agreement between you and Gregory Rainbolt - Life Insurance (“We,” “Us,” or “Our”), operating under Texas, USA jurisdiction. If you are under 18, you may only use the Website with the consent and involvement of a parent or legal guardian, who must agree to these Terms on your behalf.

2. Purpose of the Website

The Website provides information about life insurance products (e.g., term, whole, universal, and variable life insurance), educational resources, and tools like Carla to answer questions and facilitate consultations with licensed agents. Our goal is to help you protect your family’s financial future with care and confidence. The Website is for informational and scheduling purposes only and does not constitute financial advice. Insurance quotes or decisions require consultation with a licensed agent.

3. Use of the Website

Permitted Use:

Use the Website for personal, non-commercial purposes, such as learning about life insurance, completing our online survey (https://www.americanfamilylifeinsurance.com/survey), asking questions via Carla, or booking consultations.

Opt in to receive SMS communications (e.g., appointment confirmations, reminders, or promotional messages) as described in Section 6.

Prohibited Use:

Using the Website for illegal activities or in violation of applicable laws (e.g., insurance regulations, data protection laws).

Copying, reproducing, or distributing Website content without permission.

Using automated tools (e.g., bots, scrapers) to extract data or interfere with Website functionality.

Posting or transmitting harmful, offensive, or infringing content (e.g., viruses, defamatory material).

We reserve the right to suspend or terminate your access to the Website for any violation of these Terms.

4. AI Chatbot (“Carla”)

Functionality: Carla provides general information about life insurance and facilitates appointment scheduling. It is not a licensed insurance agent and does not provide binding advice or quotes.

Accuracy: We strive to ensure Carla’s responses are accurate but do not guarantee completeness or correctness. Consult a licensed agent for personalized advice.

Data Use: Information shared with Carla (e.g., name, contact details) is subject to our Privacy Policy and used to improve services or schedule consultations.

Limitations: We are not liable for decisions made based on Carla’s responses or for technical issues affecting its performance.

5. Appointment Scheduling

By booking a consultation through the Website (e.g., via https://www.americanfamilylifeinsurance.com/contact_us), you agree to provide accurate information (e.g., name, email, phone number). Consultations are with licensed agents who provide personalized insurance advice. We are not responsible for outcomes of these consultations, as they depend on third-party insurers and your circumstances. Cancellations or rescheduling must follow our policies, available during the booking process.

6. SMS Communications

Our SMS program delivers appointment confirmations, reminders, and promotional messages about life insurance products to users who explicitly opt in. By opting in, you agree to the following terms:

Opt-In Process: You provide explicit consent by checking a dedicated, un-checked box on our contact form (https://www.americanfamilylifeinsurance.com/contact_us) or paper forms during consultations, stating: “I agree to receive automated appointment confirmations, reminders, and promotional messages from American Family Life Insurance. Message frequency varies (e.g., 1-5 messages per month). Msg & data rates may apply.”

Confirmation: Upon opting in, you receive: “You are successfully opted in to receive messages from American Family Life Insurance. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out.”

Message Types: Examples include:

“Hi John, this is Gregory Rainbolt. Your appointment on July 20 at 11:00 AM is confirmed. Reply with questions or to reschedule. Text STOP to opt out.”

“Reminder: Your appointment with American Family Life Insurance is tomorrow at 9:00 AM. Reply with questions or to reschedule. Text STOP to opt out.”

Non-Sharing of Mobile Numbers: Your mobile phone number is not shared with third parties for marketing purposes without your explicit consent. SMS communications are managed solely by American Family Life Insurance and its authorized service providers (e.g., SMS platform providers) for the purposes you’ve agreed to.

Opt-Out Instructions: Reply “STOP” to any SMS to unsubscribe from all SMS communications. You will receive a confirmation: “You have been unsubscribed from American Family Life Insurance messages. Reply HELP for assistance.” Alternatively, email [email protected] or call 832-346-5727 to opt out.

Help: Reply “HELP” to any SMS or email [email protected] for assistance.

Costs: Standard message and data rates may apply, as determined by your mobile carrier.

7. Intellectual Property

All content on the Website, including text, images, logos, the online survey, and Carla’s interface, is owned by Gregory Rainbolt - Life Insurance or its licensors and protected by copyright, trademark, and other laws. You may view content for personal use but may not copy, modify, distribute, or create derivative works without our written permission. The name “Carla Bot” and American Family Life Insurance logos are our trademarks and may not be used without consent.

8. Privacy and Data Security

Your use of the Website and SMS services is subject to our Privacy Policy (https://www.americanfamilylifeinsurance.com/privacy_policy), which outlines how we collect, use, and protect your information (e.g., contact details, health-related data shared with Carla). We comply with applicable data protection laws (e.g., GDPR, HIPAA where relevant) to ensure the security of your personal information. You are responsible for maintaining the confidentiality of any account credentials used on the Website.

9. Disclaimers

No Financial Advice: Information on the Website, including Carla’s responses and the online survey, is for general education only and not a substitute for professional financial or insurance advice. Consult a licensed agent for binding recommendations.

No Warranties: The Website and its services, including SMS communications, are provided “as is” without warranties of accuracy, completeness, or availability. We do not guarantee uninterrupted access or error-free performance.

Third-Party Links: The Website may link to third-party sites (e.g., insurance providers, calendar tools). We are not responsible for their content, terms, or privacy practices. You access these links at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Gregory Rainbolt - Life Insurance, its affiliates, officers, agents, and employees are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website, SMS services, or reliance on their content, including Carla or the online survey. This includes damages from errors, interruptions, or losses related to insurance decisions, SMS delivery failures, or data breaches, except where liability cannot be excluded by law (e.g., for negligence causing death or injury).

11. Indemnification

You agree to indemnify and hold Gregory Rainbolt - Life Insurance harmless from any claims, losses, or damages (including legal fees) arising from your violation of these Terms, misuse of the Website or SMS services, or infringement of third-party rights.

12. Amendments to Terms

We may update these Terms at any time by posting the revised version on the Website. Changes take effect immediately upon posting, and continued use of the Website or SMS services constitutes acceptance. We may notify you of significant changes via email, SMS, or Website notices. Review these Terms regularly.

13. Termination

We may suspend or terminate your access to the Website or SMS services at our discretion, with or without notice, for violations of these Terms or other reasons (e.g., suspected fraud, technical issues). You may stop using the Website or opt out of SMS communications at any time as described in Section 6.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of Texas, USA, without regard to conflict of law principles. Any disputes arising from these Terms, the Website, or SMS services will be resolved through binding arbitration in Texas, per the rules of the American Arbitration Association. You waive the right to participate in class action lawsuits. Exceptions: Claims that cannot be arbitrated by law (e.g., certain consumer protection claims) may be filed in a court of competent jurisdiction in Texas.

15. Contact Information

For questions about these Terms, the Website, or SMS services, contact us at:

Email: [email protected]

Phone: 832-346-5727

Address: 13531 Will Clayton Pkwy, Ste 300 #1107, Humble, TX 77346

Website: https://www.americanfamilylifeinsurance.com/contact_us

16. Miscellaneous

Entire Agreement: These Terms, along with the Privacy Policy and any referenced policies, constitute the entire agreement between you and Gregory Rainbolt - Life Insurance regarding the Website and SMS services.

Severability: If any provision of these Terms is found invalid, the remaining provisions remain enforceable.

No Waiver: Our failure to enforce any provision does not waive our right to enforce it later.

Assignment: You may not assign these Terms without our consent. We may assign them to affiliates or successors.