Terms of Service

1. Who We Are

Leeshine Financials LLC is an independent life insurance agency. We help individuals and families compare and apply for life insurance products offered by third-party insurance carriers. We are not an insurance carrier and do not underwrite, issue, or pay claims on policies.

2. Informational Purposes Only

Content on the Site is provided for general informational purposes and is not insurance, legal, tax, or financial advice. Product descriptions are summaries only. Actual coverage, benefits, exclusions, premiums, and eligibility are determined solely by the issuing carrier and the policy contract. Nothing on the Site is an offer of insurance or a guarantee of coverage or approval.

3. Quotes and Applications

Quotes are estimates based on the information you provide and are subject to carrier underwriting, verification, and approval. Rates may change. You agree that the information you submit is accurate and complete, and that you are at least 18 years old and legally able to enter into an insurance contract.

4. Communications Consent

By submitting your contact information, you consent to be contacted by Leeshine Financials LLC by phone, text message, and email regarding your request, including through automated technology. Consent is not a condition of purchase.

SMS terms: Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Carriers are not liable for delayed or undelivered messages. Your mobile number will never be sold or shared with third parties for marketing. See our full SMS Terms & Conditions and Privacy Policy for how we handle your information.

5. Acceptable Use

• Do not submit false, fraudulent, or another person's information without authorization.
• Do not attempt to disrupt, scrape, reverse engineer, or gain unauthorized access to the Site.
• Do not use the Site for any unlawful purpose or in violation of insurance regulations.

6. Intellectual Property

The Site and its content, including text, graphics, logos, and the Leeshine Financials name and marks, are owned by Leeshine Financials LLC or its licensors and are protected by applicable law. Carrier logos remain the property of their respective owners. You may not copy or reuse Site content without our written permission.

7. Third-Party Links and Portals

The Site links to third-party websites, including insurance carrier portals, agent platforms, and licensing partners. We do not control and are not responsible for their content, availability, terms, or privacy practices. Your use of those sites is at your own risk.

8. Disclaimer of Warranties

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

9. Limitation of Liability

To the fullest extent permitted by law, Leeshine Financials LLC and its owners, agents, and employees are not liable for any indirect, incidental, special, consequential, or punitive damages, or lost profits or data, arising from your use of the Site or our services. Our total liability for any claim relating to the Site shall not exceed one hundred dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless Leeshine Financials LLC from claims, losses, and expenses, including reasonable attorneys' fees, arising from your misuse of the Site or violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Louisiana, without regard to conflict-of-law rules. Any dispute shall be brought in the state or federal courts located in Orleans Parish, Louisiana.

12. Changes to These Terms

We may update these Terms at any time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after changes means you accept the updated Terms.

13. Contact Us

Leeshine Financials LLC — New Orleans, Louisiana

Phone: (504) 442-9238
Email: leeshinefinancials@gmail.com