1. Who Can Use the Site

You must be at least 18 years old and a resident of the United States to use the Site. By using it, you represent that you meet these requirements and that the information you provide is accurate.

2. What the Site Does — and Doesn't

The Site lets you compare estimated life insurance rates, use coverage calculators, browse coverage options by condition, and request to connect with a licensed, independent agent.

• Estimates, not offers. Rates shown are estimates generated from third-party data and the information you enter. They are not offers, guarantees, or binding quotes. Actual eligibility, coverage, and pricing are determined by the insurance carrier and are subject to underwriting and approval.
• Tools are illustrations. Our calculators are educational illustrations based on the inputs you provide. They are not financial, tax, legal, or insurance advice, and actual results will vary.
• We are not your agent until engaged. Velocity Pro is a technology platform. We are not your insurance agent, broker, or fiduciary unless and until a licensed agent formally agrees to act for you.

3. No Professional Advice

The content and tools on the Site are for general informational purposes only and are not a substitute for advice from a licensed insurance, financial, tax, or legal professional. You are responsible for your own decisions. Consider speaking with a licensed professional before purchasing any insurance product.

4. Connecting With Agents and Carriers

When you request a quote, book a call, or submit your information, you authorize us to share that information with licensed, independent agents and insurance carriers so they can prepare quotes and contact you about coverage — including by phone and email, and by text message if you have opted in (see Section 5). You can opt out of these communications at any time.

5. Text Messages (SMS)

If you opt in (for example, by checking the SMS consent box when booking), you agree to receive recurring text messages from Velocity Pro, such as appointment confirmations and reminders and messages about your quote or coverage. Message frequency varies, and message and data rates may apply. Reply STOP to opt out or HELP for help. Consent to receive text messages is not a condition of any purchase. See our Privacy Policy for how we handle your number.

6. Your Responsibilities

• Provide accurate, current, and complete information.
• Use the Site only for lawful, personal purposes.
• Do not attempt to disrupt the Site, access it through automated means or scraping, reverse engineer it, or use it to infringe the rights of others.

7. Intellectual Property

The Site, including its content, design, logos, and software, is owned by Velocity Pro or its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable license to use the Site for its intended purpose. All other rights are reserved.

8. Third-Party Services and Links

The Site relies on and links to third-party services and websites — including our quoting provider (Compulife), text-message provider (Twilio), advertising and analytics providers (such as Meta), and insurance carriers. We do not control and are not responsible for third-party services or content, and your use of them may be governed by their own terms.

9. Disclaimers

The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that rate estimates, tool results, or other information are accurate, complete, or current, or that the Site will be uninterrupted or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, Velocity Pro and its owners, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars (US $100). Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Velocity Pro and its owners, employees, and partners from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or the rights of a third party.

12. Dispute Resolution; Arbitration; Class-Action Waiver

Most concerns can be resolved by contacting us first, and we encourage you to do so. If a dispute cannot be resolved informally, you and Velocity Pro agree that any dispute arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court. You and Velocity Pro waive any right to a jury trial and to participate in a class or representative action. You may opt out of this arbitration agreement by notifying us in writing within 30 days of first accepting these Terms.

13. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to its conflict-of-laws rules, except where the Federal Arbitration Act governs the arbitration agreement above.

14. Changes; Termination

We may update these Terms or change or discontinue the Site at any time. When we update the Terms, we will revise the "Effective Date" above. Your continued use of the Site after an update means you accept the revised Terms. We may suspend or terminate access to the Site for any user who violates these Terms or misuses the Site.

15. Contact

Velocity Pro
Email: support@velocitypro.app
Phone: +1 (202) 294-6178