Welcome to the website of PROEHL CAPITAL LLC (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, forms, communications, and services related to life insurance inquiries, quotes, consultations, applications, payment requests, and customer support.

By accessing or using this website, submitting your information, requesting a quote, making a payment, or otherwise interacting with us, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use this website or our services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use this website and any related services. By using this website, you represent and warrant that you meet these requirements.

2. Use of Website

You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You may not:

• Use the website in any way that violates applicable laws or regulations

• Submit false, misleading, or incomplete information

• Attempt to gain unauthorized access to the website, servers, or systems

• Interfere with the operation, security, or integrity of the website

• Use the website for fraudulent, abusive, or deceptive purposes

We reserve the right to restrict, suspend, or terminate access to the website or services at our discretion if we believe a user has violated these Terms or engaged in improper conduct.

3. No Guarantee of Coverage or Approval

Any information provided through this website is for general informational purposes only and does not constitute a binding offer, guarantee of coverage, guarantee of eligibility, or guarantee of policy issuance.

Any life insurance quote, estimate, illustration, or preliminary information provided through this website or by our team is subject to change and may depend on additional information, underwriting review, product availability, carrier requirements, and applicable law.

Final coverage terms, premiums, eligibility, and policy approval, if any, are determined by the applicable insurance carrier and the formal policy documentation.

4. No Financial, Tax, or Legal Advice

Content on this website is provided for general informational purposes only and should not be construed as legal, tax, financial, medical, or other professional advice. You should consult your own qualified advisors before making decisions regarding life insurance, estate planning, taxes, or any related matter.

5. Services and Product Availability

Our services and any insurance-related offerings referenced on this website may not be available in all jurisdictions or to all individuals. Availability may vary based on location, age, health, underwriting criteria, carrier guidelines, and other eligibility factors.

We reserve the right to modify, suspend, limit, or discontinue any aspect of the website, services, products, or offerings at any time without prior notice.

6. User Information and Submissions

By submitting information through this website, including through contact forms, quote requests, consultations, or application-related forms, you represent that the information you provide is true, accurate, current, and complete.

You are solely responsible for the accuracy of the information you submit. We are not responsible for delays, denials, pricing changes, or other outcomes resulting from inaccurate, incomplete, or outdated information.

7. Electronic Communications

By contacting us, submitting a form, or otherwise providing your email address or phone number, you consent to receive communications from us electronically, including by email, phone call, and text message, to the extent permitted by applicable law.

These communications may include responses to inquiries, service updates, application-related communications, payment notices, follow-up messages, appointment coordination, and customer support communications.

You are responsible for any message or data charges imposed by your mobile carrier.

8. Payments

If payment functionality is made available through our website or services, you agree that:

• All payments must be authorized by the account holder or cardholder

• Payment information submitted must be valid and accurate

• Payments may be processed through authorized third-party payment providers

• You authorize the applicable charge to your designated payment method for approved transactions

We reserve the right to refuse, delay, or cancel any transaction where fraud, unauthorized use, inaccurate payment information, or legal/compliance concerns are suspected.

9. Refunds and Chargebacks

Unless otherwise expressly stated in writing, payments made for services, consultation-related fees, administrative fees, or other authorized charges are non-refundable.

If you believe a charge was made in error, you must contact us promptly at the contact information listed below so the matter can be reviewed. Unauthorized or improper chargebacks, payment disputes made in bad faith, or fraudulent reversal attempts may result in suspension of services and further action where appropriate.

10. Third-Party Providers and Links

This website may contain links to third-party websites, tools, platforms, carriers, or payment processors. We may also rely on third-party vendors to support website hosting, communications, analytics, payment processing, or insurance-related workflows.

We do not control and are not responsible for the content, terms, privacy practices, availability, or performance of third-party websites, services, or systems. Your use of third-party platforms is at your own risk and may be subject to separate terms and policies.

11. Intellectual Property

All content on this website, including but not limited to text, branding, logos, graphics, layouts, design elements, icons, images, downloads, and other materials, is the property of PROEHL CAPITAL LLC or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may not copy, reproduce, modify, distribute, republish, display, transmit, or exploit any website content without our prior written consent.

12. Disclaimer of Warranties

This website and all content, information, and services made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, PROEHL CAPITAL LLC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, availability, and uninterrupted operation.

We do not warrant that the website will be error-free, secure, uninterrupted, or free of viruses or other harmful components.

13. Limitation of Liability

To the fullest extent permitted by applicable law, PROEHL CAPITAL LLC, its owners, officers, employees, contractors, affiliates, and service providers shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of, or inability to use, this website or services.

This includes, without limitation, damages related to delays, service interruptions, loss of data, loss of profits, unauthorized access, third-party actions, underwriting decisions, policy issuance decisions, or reliance on information made available through the website.

In all cases, our total liability to you for any claim arising out of or relating to the website or services shall not exceed the amount, if any, you paid directly to us for the specific service giving rise to the claim.

14. Indemnification

You agree to defend, indemnify, and hold harmless PROEHL CAPITAL LLC, its affiliates, officers, employees, contractors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from:

• Your use of the website or services

• Your violation of these Terms

• Your violation of any law, regulation, or third-party right

• Any false, misleading, or incomplete information you submit

15. Privacy

Your use of this website is also subject to our Privacy Policy, which describes how we collect, use, and protect personal information. By using this website, you also acknowledge our Privacy Policy.

16. Compliance With Applicable Law

You agree to use this website and related services only in compliance with all applicable local, state, federal, and international laws and regulations. Nothing on this website shall be construed as an offer or solicitation in any jurisdiction where such offer or solicitation is not authorized or lawful.

17. Modifications to These Terms

We reserve the right to update, revise, or modify these Terms at any time without prior notice. Any changes will become effective upon posting the updated version on this website with the revised effective date. Your continued use of the website after any such changes constitutes your acceptance of the updated Terms.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles, except to the extent superseded by applicable federal or state insurance laws or regulations.

19. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

PROEHL CAPITAL LLC
Email: proehlcapital@gmail.com
Phone: +1 786-961-1954