Terms & Conditions

1. Acceptance of these terms

These Terms & Conditions ("Terms") are an agreement between you and Surelii LLC ("Surelii," "we," "us," or "our"). By accessing or using our website, forms, AI-assisted tools, or related services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the services.

2. Eligibility and permitted use

You must be at least 18 years old and legally able to enter into an agreement to use our services. You agree to provide accurate, current information and to use the services only for lawful, personal purposes.

• Do not impersonate another person or provide false or misleading information.
• Do not interfere with the website, attempt unauthorized access, introduce malicious code, scrape content, or misuse our systems.
• Do not use the services in a way that violates law or another person’s rights.

3. Insurance services and disclosures

Surelii is not an insurance carrier. We provide technology, information, and access to licensed insurance agents who may help you explore products offered by third-party carriers. Information on this site is general and is not legal, tax, financial, or individualized insurance advice.

A quote, estimate, questionnaire response, or conversation with Surelii does not create coverage and is not an offer or guarantee of insurance. The applicable carrier alone determines eligibility, underwriting, approval, pricing, policy terms, availability, and coverage. Products and features vary by state and carrier. Coverage begins only when all carrier requirements are satisfied and a policy is issued and in force.

4. Communications consent

When you submit a form and provide the requested consent, you agree that Surelii and its licensed agents or service providers may contact you about your inquiry by telephone, email, or text message, including through automated technology where permitted. Message and data rates may apply. Consent is not a condition of purchasing insurance. You may revoke marketing consent by replying STOP to a text, using an unsubscribe link, or contacting us. Your carrier or agent may separately request consent under their own terms.

5. AI-assisted tools

Our AI-assisted features may provide general information and help route your questions. AI output can be incomplete, inaccurate, or unavailable and should not be relied on as professional advice or as a final statement of policy terms. Confirm important information with a licensed agent and review the actual carrier documents before making a decision.

6. Intellectual property

The website and its text, graphics, branding, software, design, and other content are owned by Surelii or its licensors and are protected by intellectual-property laws. We grant you a limited, revocable, nonexclusive, nontransferable license to use the services for their intended personal purpose. No other rights are granted.

7. Third-party services

Our services may connect to insurance carriers, agents, vendors, or third-party websites. We do not control and are not responsible for third-party content, availability, policies, products, or acts. Your dealings with a third party may be governed by separate terms.

8. Disclaimers

To the fullest extent permitted by law, the services are provided "as is" and "as available." Surelii disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and noninfringement. We do not warrant that the services will be uninterrupted, error-free, secure, or that any quote or insurance product will be available to you.

Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.

9. Limitation of liability

To the fullest extent permitted by law, Surelii and its officers, employees, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, data, goodwill, or opportunities arising from your use of or inability to use the services. Our total liability for any claim relating to the services will not exceed the greater of $100 or the amount you paid directly to Surelii for the services during the 12 months before the event giving rise to the claim.

Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

10. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Surelii and its officers, employees, and agents from claims, damages, liabilities, and expenses arising from your misuse of the services, violation of these Terms, or infringement of another person’s rights.

11. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Before filing a formal claim, you and Surelii agree to make a good-faith effort to resolve the dispute informally by written notice. Unless applicable law requires otherwise, any unresolved dispute will be brought exclusively in the state or federal courts located in Los Angeles County, California, and each party consents to their jurisdiction.

12. Changes, suspension, and termination

We may update the services or these Terms, or suspend or end access, as permitted by law. Updated Terms become effective when posted unless another date is stated. Your continued use after the effective date means you accept the revised Terms. Provisions that by their nature should survive termination will survive.

13. General terms

If a provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them as part of a business transaction or by operation of law. These Terms and the Privacy Policy are the entire agreement between you and Surelii regarding the services.

14. Contact us

Questions about these Terms may be sent to Surelii LLC at hello@surelii.com or (310) 704-1062.