1. Acceptance of Terms These Terms of Service ("Terms") constitute a legally binding agreement between you and MPD INVESTMENT GROUP LLC, doing business as (DBA) Pinnacle Life Agency ("Company," "we," "us," or "our"). By accessing or using the website located at www.pinnaclexyz.com (the "Site"), you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.
2. Services Provided Pinnacle Life Agency connects consumers with insurance information and quotes. We are a licensed insurance agency. We provide estimates based on the information you submit, but we do not underwrite the insurance policies ourselves. Final approval and premium pricing are determined solely by the respective insurance carriers.
3. TCPA Consent & Communications (Important) By submitting your information on our Site (clicking "Get Quote," "Submit," or similar buttons):
Consent to Contact: You expressly authorize Pinnacle Life Agency, our licensed agents, and field underwriters to contact you regarding insurance products (including Mortgage Protection, Life Insurance, and Final Expense) via phone call, text message (SMS/MMS), or email using the contact details you provided.
Automated Technology: You acknowledge that these communications may be initiated using automated dialing technology or pre-recorded voice messages, even if your number is listed on a Do Not Call registry.
No Obligation: You acknowledge that consent to receive these communications is not a condition of purchasing any goods or services.
Opt-Out: You may opt-out of text messages at any time by replying "STOP." For help, reply "HELP." Standard message and data rates may apply.
4. Nature of Insurance Quotes
Estimates Only: Quotes provided on this Site are non-binding estimates.
Underwriting Required: To provide an accurate policy offer, a licensed agent will need to collect additional information, including health, employment, and age verification.
Final Approval: Insurance companies reserve the right to conduct underwriting to determine eligibility. Quotes may change based on verification of medical history or other risk factors. No coverage is bound until approved in writing by the carrier.
5. Restrictions and Prohibited Use Your use of this Site is conditioned on your compliance with these Terms. You agree strictly NOT to:
Use the Site for any unlawful purpose.
Solicit, collect, or harvest personally identifying information about other users.
Transmit viruses, malware, or harmful software.
Use automated scripts, bots, or scrapers to access or copy Site content.
Frame or mirror any part of the Site without our express written consent.
6. Intellectual Property All content on this Site, including text, graphics, logos, and software, is the property of MPD INVESTMENT GROUP LLC or its content suppliers and is protected by United States and international copyright laws.
7. Disclaimer of Warranties ("As Is") The Site and its services are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind. Pinnacle Life Agency disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. We do not guarantee that the Site will be error-free, secure, or uninterrupted.
8. Limitation of Liability To the fullest extent permitted by law, MPD INVESTMENT GROUP LLC and Pinnacle Life Agency shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of or inability to use the Site or for the cost of procurement of substitute services.
9. Indemnification You agree to indemnify and hold harmless MPD INVESTMENT GROUP LLC, Pinnacle Life Agency, its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including legal fees) arising out of your use of the Site or your violation of these Terms.
10. Governing Law and Jurisdiction These Terms shall be governed by the laws of the State of Michigan, without regard to its conflict of law principles. Any legal action or proceeding related to this Site shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Michigan.
11. Changes to Terms We reserve the right to modify these Terms at any time. Your continued use of the Site after any changes indicates your acceptance of the new Terms.
12. Contact Us If you have any questions regarding these Terms, please contact us:
Entity: MPD INVESTMENT GROUP LLC (DBA Pinnacle Life Agency)
