Terms of Service

Acceptance of these terms

These Terms of Service ("Terms") govern your use of https://www.yeguard.com and the services offered by YeGuard LLC ("YeGuard," "we," "us"). By using the site, requesting a quote, or opting in to our text messages, you agree to these Terms.

Our service

YeGuard is an independent life-insurance agency. Life insurance is offered through Hernando Sierra, a licensed life and health insurance agent in the State of Florida (license #G117122, NPN 21156910). The products described on our site are underwritten by third-party insurance carriers.

Quotes are estimates only and are not an offer of insurance. Final eligibility and premiums are determined by carrier underwriting.

YeGuard SMS text-messaging program

YeGuard SMS delivers life-insurance quote follow-ups, appointment reminders, and service messages from YeGuard LLC to customers who have opted in through our website quote form or by sharing their phone number with Ye, our assistant.

You can cancel the SMS service at any time by replying STOP. After you send STOP, we will send you a final message to confirm that you have been unsubscribed, and you will no longer receive SMS messages from us. To rejoin, sign up again through our website or reply START.

If you experience issues with the messaging program, reply HELP for assistance, or contact us directly at info@yeguard.com or (863) 591-0309.

Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have questions about your text or data plan, contact your wireless provider.

If you have any questions regarding privacy, please read our Privacy Policy: https://www.yeguard.com/privacy

Ye, our AI assistant

Ye provides general educational information about life insurance. Ye is not a licensed agent and does not provide financial, legal, or tax advice. Recommendations and quotes are provided only by licensed agents.

Acceptable use

You agree to provide accurate information and to use the site and messaging services only for lawful, personal purposes.

Disclaimers and limitation of liability

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, YeGuard LLC is not liable for indirect, incidental, or consequential damages arising from your use of the site or messaging services.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.

Changes to these terms

We may update these Terms from time to time. Continued use of the site or messaging services after changes take effect constitutes acceptance.

Contact

YeGuard LLC — Florida, USA. Email: info@yeguard.com. Phone: (863) 591-0309.