Rules for using Ethos.
Ethos makes life insurance very simple for people to buy online. This page outlines the rules and expectations that protect you and protect Ethos. Our goal is to keep them simple and easy to understand. If there's something you're not sure about, please reach out to us. Ethos is unrelated to [Ovid Life Settlements](/https://www.ovidlife.com) and is not involved in the business of life settlements.
What we mean
We use the term "Ethos Services" to refer to any of the products and services we sell online, any site information or Services provided on www.GetEthos.com or our affiliated sites, and the growing community of people who use our platform. We use the term your "Ethos Account" to mean where you can find data about your insurance policies, your contact information, and any additional data you choose to add such as videos, photos, and property listings. When we write "we", "our", "us", or "Ethos", we mean Ethos Technologies Inc., and Ethos Technologies Insurance Services Corp. And, any time we write "you" or "your", we mean the person who is using the Ethos Services (and reading these Terms.) Remember: if you buy insurance using Ethos, there are important rules, conditions, exceptions, and requirements that apply to you and your insurance carrier in your issued insurance policy. Your rights and responsibilities are explained there. Your insurance policy will be digitally mailed to you via Docusign after you sign and pay your first payment. It will also be available in your Ethos Account.
Using Ethos.
These Terms apply to you. You agree, as long as you continue to use the Ethos Services, to accept and follow these Terms, and to only use the Ethos Services in the ways we allow. You understand that Ethos sells insurance and should only be used by those who can legally buy an insurance contract where they live. Ethos is not for children.
Leaving www.EthosLife.com
Sometimes we may link to other companies or services, like an article, reference, referral, social media content, or promotion. We cannot guarantee these links since we don't manage content which is not on our site, and links can change after they're posted. Ethos isn't responsible for the practices of the sites or services to whom we link, including any of the content they show you. And, those sites are not acting or ruled by Ethos's site policies. The information you may share with any third parties, like the sites and Services we may link to, are controlled by them and their site policies and terms. You understand and agree that we don't have control of those sites and we are not responsible if you give any third-party access to your data. You own any risk yourself for sharing information or viewing content on other sites. This does not apply to sites we require you to visit in order to use the Ethos Services, like Services for filing claims which may be hosted separately from Ethos's main domain. Also, if any of the Ethos Services provided to you contain an open source license, there may be provisions in those licenses that expressly conflict with the Terms, in which case, the open source provisions will apply.
Ethos only sells insurance in states it's licensed to sell.
Ethos offers insurance products and services through its insurance agency licensed affiliate Ethos Technologies Insurance Services Corp. Ethos is not an insurance company, instead we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. Ethos is paid commissions and may receive other performance-based compensation for its services. You can find a list of Ethos insurance licenses at [this link](/licenses). The products we offer are only for people who live in the United States. We don't and don't intend to sell insurance products outside the United States, or anywhere Ethos isn't licensed.
Our quote is not the final price
Ethos generates quotes for life insurance products. These prices change based on your answers to our questions during your application, your choices for different products, or due to changes of insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don't pay for it that day, it can cost more a few days later --- since it's after your birthday and your price goes up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn't final and set until you sign and pay.
Ethos protects its brand and assets
© 2018 Ethos Technologies Inc. All rights reserved. Ethos and all of our logos and designs are trademarks and/or service marks of Ethos, Inc., a Delaware corporation, some of which are pending and/or registered in the United States. You may not use our images or logos without getting the okay from us.
Copyright Infringement
Everyone who uses Ethos should respect intellectual property rights. If something does not look right, you may send us copyright complaints. We will work quickly to remove the copyrighted material from Ethos identified by a valid complaint. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. The Copyright Group only reviews notices related to copyright infringement and for compliance with the DMCA. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorney's fees).
Ethos protects and owns its proprietary brand and process.
Detailed information related to how we respond to infringement claims and copyright rights generally is provided below. Ethos Services, our various logos, designs, business processes, and everything else that's part of our special process are protected by intellectual property rights including copyright, trademark, and other laws of the United States. Our Terms don't give you any right to use any of our intellectual property, other than while using the Ethos Services. Ethos is for your personal use, to learn about insurance, and to assist you in purchasing insurance products. You know the Ethos Services contain proprietary content, information, and material of Ethos and third parties, which is protected by applicable laws including copyright laws. You will honor Ethos's ownership rights to the Ethos Services and the rights of the other parties whose intellectual property is included in the Ethos Services. You will not misuse the Ethos Services or any third party intellectual property used along with the Ethos Services. You may not copy or reproduce any of the Ethos Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Ethos Services. You will not trespass, bypass, interfere with, disrupt anyone, host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Ethos Services. We are not granting you any right, title, or interest in the Ethos Services.
Your Ethos Account
Your Ethos account keeps all of your details and content in the Ethos Services, like your policies, your key terms, and maybe a list of your insured property to make filing claims easier. We use industry-leading Services and processes to keep your information safe. The most sensitive part of data security is your password. We need to be able to assume that anyone using your Ethos Account as you, by using your password and credentials, is you. We'll never ask you for your password. Don't share it with anyone. Always use a unique, hard-to-guess password. Quickly ask to reset your password if any hint that your password and credentials are ever at risk. Also, by creating your Ethos Account, you agree that the information you share is true and accurate, and that you will keep your information up-to-date, complete, and accurate. This is important for both managing your insurance products and offering you exceptional service. For example, if you move to a new place, your policy will have to be updated since each state has different rules for insurance products and how they are priced within the state.
Respect the Ethos community
People deserve to feel safe when they are contributing to a larger community using their Ethos Account. If you act inappropriately, we have the right to delete your account.
Legal Liabilities and Terms
WE CANNOT PROVIDE YOU ANY WARRANTIES WITH RESPECT TO THE USE OF THE ETHOS SERVICES, INCLUDING ANY AND ALL SOFTWARE INCLUDED THEREIN, IT IS PROVIDED "AS-IS". YOU USE THE ETHOS SERVICES WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. ETHOS DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of the Ethos Services. Some states don't allow for these limitations of liability. If you live in one of these states, then these warranties will be limited and the limitation on liability will be $100.00 in the aggregate for any and all claims. The Ethos Services include information to help you think through what insurance is best for you. We aren't a replacement for your lawyer, financial advisor, or tax planning specialist. We simply provide useful information to help you think through your insurance decisions.
These are the rules for limitation of liability.
IN NO EVENT SHALL (I) ETHOS BE LIABLE TO YOU OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, AND (II) OUR LIABILITY FOR DAMAGES TO YOU OR ANY THIRD PARTIES EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES. YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE ETHOS SERVICES. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE. Some states do not allow for these limitations of liability. If you live in one of these states, these limits don't apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims. THE TERMS AND YOUR USE OF THE ETHOS SERVICES WILL BE GOVERNED BY CALIFORNIA LAW EXCEPT FOR ITS CONFLICTS OF LAWS PRINCIPLES. ALL CLAIMS ARISING OUT OF OR RELATING TO THE TERMS OR ANY USE OF THE ETHOS SERVICES WILL BE LITIGATED EXCLUSIVELY IN THE FEDERAL OR STATE COURTS RESIDING IN SAN FRANCISCO, CALIFONRIA. WE AND YOU EACH CONSENT TO VENUE AND PERSONAL JURISDICTION IN SAN FRANCISCO, CALIFORNIA. You agree that these are the Terms for your use of the Ethos Services, and you have not entered into any other agreement related to your use of the Ethos Services. We haven't and don't create any third party beneficiary rights by the Terms. If we waive or fail to enforce any of the Terms, it doesn't waive our right to enforce the Terms against you or someone else in the future. You may not assign any rights granted by the Terms to any third party, and any attempt to do so will be null and void. Ethos may assign the Terms to any affiliate, subsidiary, or any acquirer of substantially all of the assets or capital securities of Ethos. If a provision of the Terms is found unenforceable, the remaining provisions of the Terms will remain in full effect, and we will substitute a replacement enforceable term reflecting our intent as closely as possible. Business partners such as MunichRe, RGA, RGAX and Aon are not responsible or liable for anything related to Ethos' business.
Our Terms will change as Ethos evolves and grows.
We will change the Terms as Ethos and the insurance industry evolves and grows over time. Your continued use of the Ethos Services, after a change to the Terms, means you agree to the Terms, including any changes. If you don't agree with the Terms, please stop using the Ethos Services.
We partner with Legal & General America
Legal & General America life insurance products are issued by Banner Life Insurance Company, Urbana, MD. Banner products are distributed in 49 states and in DC. Banner products are not available in New York. The Legal & General America companies are part of the worldwide Legal & General Group. The Renewable Individual Term Life Insurance premiums quoted here are based on the information provided for this quote. The premium quoted is only an estimate and the actual premium and rate class will be determined after the underwriting and approval process is completed. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided by you on the application, exam results and specific underwriting requirements and criteria. Premium rates vary by gender, underwriting class, coverage amount and duration. Premiums quoted include a $70 annual policy fee. Premiums are guaranteed to stay level for the initial term period. The coverage amount has a one-time decrease occurring in the first year immediately following the initial term period. The premium in the first year immediately following the initial term period may increase or decrease, but subsequent premiums will increase annually to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Rates are as of 07.15.19. The Renewable Individual Term Life Insurance is policy form #ICC18-DT (and state variations). Policy form numbers, product features and availability may vary by state. An Accelerated Death Benefit Rider, policy form # ICC10 ADB and state variations, is included with all policies in states where approved. The product is currently not available in CA, DE, FL, MD, MO, MT, NY, NC, ND, OK, PA and SD. Two-year contestability and suicide provisions apply. Policy descriptions provided here are not a statement of contract. Please refer to the policy forms for full disclosure of all benefits and limitations. 19-152
The Referral Program
Ethos ("we", "Ethos" or "Company") may at times offer you the opportunity to refer friends via our referral program ("Program"). Using your personal link, you can refer friends, family members or colleagues whom you personally know ("Friends"). Every individual has a unique referral link ("Personal Link") that allows him or her to refer others to Ethos. Referred Friends must submit a life insurance application with Ethos as described in the referral message.
Referral Program Restrictions
Referrers cannot refer themselves, pay a Friend to apply to Ethos for coverage, create multiple or fake accounts with Ethos, or refer a person more than once. You may not use the Program to violate any law, infringe or violate the rights of any third party, or otherwise act in a manner that is deemed harassing, harmful, illegal, hateful, obscene or outside the spirit and intent of the Program. In addition, you may not (i) tamper with the Program, (ii) act in an unfair or disruptive manner, or (iii) use any system, bot or other device or artifice to participate or receive any benefit in the Program. This includes but is not limited to a general prohibition on posting of the referral codes on any website which offers the referral code to anyone other than Friends, i.e. individuals to whom you personally know. If we believe that a referral code associated with a User’s account was used in such a manner, we have the right to remove all credit associated with that account and remove the User from the Ethos Platform. No purchase necessary, and you need not be an existing Ethos customer to participate. The Program may be subject to additional restrictions in some states to comply with applicable law. When referring a Friend, you can tell them about Ethos and that we offer a great term life insurance product, but you should not discuss any details of the policies, coverage amounts, or rates. You also cannot pay a friend to apply for coverage.
Referral Program Rewards
By making a Valid Referral (defined below), you will receive a reward subject to the restrictions set forth below. In order to qualify as a “Valid Referral”, your Friend must not be an existing Ethos customer and must be a first-time applicant for a policy as a result of your referral. These rewards will be in the form of an Amazon Gift Card (or as otherwise determined by Ethos), which may be subject to the gift card issuer’s terms and conditions. Rewards are subject to verification. Ethos may delay a reward for the purposes of investigation. Ethos may also refuse to verify and process any transaction for any reason.
Referral Program Liability
YOU UNDERSTAND AND AGREE THAT THE INDEMNIFIED PARTIES (DEFINED BELOW) SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, ACTUAL, CONSEQUENTIAL, ECONOMIC, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR LOSS OF GOODWILL) ARISING UNDER, RELATED TO, AND/OR IN CONNECTION WITH THE PROGRAM, EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME. By participating in the Program, you agree to indemnify, defend, and hold harmless Ethos and its subsidiaries, affiliates, and its and their respective attorneys, officers, directors, employees, insurers, independent contractors, agents, successors and assigns (the “Indemnified Parties”) from and against any and all liabilities incurred in connection with (i) your breach or violation of this Agreement; (ii) your violation of any law, or the rights of any third party; and (iii) any content submitted by you or using your account to Ethos. You also agree to indemnify the Indemnified Parties for any Liabilities resulting from your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden on our infrastructure. Ethos reserves the right, in its own sole discretion, to assume the exclusive defense and control at its own expense of any matter otherwise subject to your indemnification. You will not, in any event, settle any claim or matter without the prior written consent of Ethos. TO THE FULLEST EXTENT POSSIBLE BY LAW, THE INDEMNIFIED PARTIES’ MAXIMUM LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE PROGRAM, REGARDLESS OF THE CAUSE OF ACTION (WHETHER IN CONTRACT, TORT, BREACH OF WARRANTY, OR OTHERWISE), SHALL BE $100.00.
Referral Program Bulk Distribution ("Spam")
Each Referrer is the actual sender of the emails and must comply with applicable law. Referrals must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and family members. Bulk Personal Link distribution, distribution to strangers, or any other use of the services described herein in a manner that is not promoted is expressly prohibited and may be grounds for further legal action. The Company has no obligation to monitor the Program or any communications you send to third parties; however, the Company may choose to do so and prohibit any use of the Program. Referrers who do not comply with the law, including anti-spam laws, are obligated to indemnify the Company against any liabilities, costs and expenses it incurs as a result of such spam.
Referral Program Right to Cancel, Modify or Terminate.
We reserve the right to cancel, modify or terminate the Program at any time for any reason with or without notice. We reserve the right to disqualify any User at any time from participation in the Program if we have a good faith belief that he/she has violated any of these Terms.