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Terms & Conditions

Effective date: August 3, 2026

These Terms & Conditions (“Terms”) govern your use of this website (the “Site”), operated by LegacyLife Partners LLC, doing business as Keeper Mortgage Protection (“Keeper,” “we,” “us”). By using the Site or submitting a form, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.

1. Who we are — and what we are not

Keeper is an independent insurance agency. We provide educational information about mortgage protection and term life insurance and connect consumers with licensed insurance agents who can present options from third-party insurance carriers.

2. Eligibility

The Site is intended for residents of the United States who are at least 18 years old. By using the Site you represent that you meet these requirements and that all information you submit is accurate to the best of your knowledge.

3. Quotes and estimates

Any figures shown or discussed before a carrier issues a policy are estimates only. Actual availability, rates, and terms depend on the carrier’s underwriting, your application, your state, and other factors, and may differ from any estimate. Coverage exists only when an insurance carrier issues a policy and any required premium is paid.

4. Not professional advice

Site content is for general education. It is not insurance, financial, legal, tax, or investment advice, and it is not a recommendation of any specific product. Insurance advice is provided only by licensed agents in states where they are licensed. Consult qualified professionals about your specific situation.

5. Consent to be contacted; SMS terms

Submitting the quote form with the consent box checked constitutes your electronic signature and your consent to be contacted as described in the form’s consent language, including by automated dialing systems and prerecorded, artificial, or AI-generated voice, and by SMS. Consent is not a condition of purchase.

SMS program: message frequency varies; message and data rates may apply; reply STOP to cancel and HELP for help. Mobile carriers are not liable for delayed or undelivered messages. You can also revoke any communication consent by emailing support@keepermortgageprotection.com.

6. Automated systems and AI

Some interactions with Keeper may involve automated systems, including AI-generated voice on calls, automated text messages, and AI-assisted chat or drafting tools. Where disclosure is required by law, automated interactions will be identified as such. You may request a live, licensed human agent at any time, and all insurance recommendations and coverage decisions are made by licensed humans and issuing carriers — not by automated systems.

7. Acceptable use

You agree not to: submit false or third-party information without authorization; use the Site for any unlawful purpose; scrape, harvest, or copy Site content or data by automated means; interfere with Site security or operation; or reverse-engineer any portion of the Site.

8. Intellectual property

The Site and its content — including the Keeper name, logo, design, text, graphics, and illustrations — are owned by LegacyLife Partners LLC or its licensors and protected by intellectual-property laws. You may not use them without our prior written permission, except for personal, non-commercial viewing.

9. Third-party services and links

The Site may reference or link to third-party websites and services (including insurance carriers). We do not control and are not responsible for their content, policies, or practices.

10. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT CONTENT (INCLUDING AI-ASSISTED CONTENT) IS FREE OF INACCURACIES.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KEEPER AND ITS OWNERS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some states do not allow certain limitations, so parts of this section may not apply to you. Nothing in these Terms limits rights you may have under an issued insurance policy, which is governed by its own terms.

12. Indemnification

You agree to indemnify and hold harmless Keeper and its owners, employees, and agents from claims, damages, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or your misuse of the Site.

13. Dispute resolution — arbitration agreement and class action waiver

Please read this section carefully. It affects your legal rights.

Informal resolution first. Before filing any claim, you agree to contact us at support@keepermortgageprotection.com and give us 30 days to resolve the dispute informally.

Binding arbitration. Any dispute or claim arising out of or relating to these Terms, the Site, or communications you receive from or on behalf of Keeper — including claims under the Telephone Consumer Protection Act (TCPA) or similar state telemarketing laws — will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs this agreement. Judgment on the award may be entered in any court of competent jurisdiction.

Class action and jury waiver. YOU AND KEEPER EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. Claims may be brought only in an individual capacity, and the arbitrator may not consolidate claims of multiple parties.

Carve-outs. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for intellectual-property misuse.

30-day opt-out. You may opt out of this arbitration agreement by emailing support@keepermortgageprotection.com within 30 days of first accepting these Terms, with your name, phone number, and a statement that you opt out of arbitration. Opting out does not affect any other provision of these Terms.

Claims deadline. Any claim must be filed within one (1) year after it arises, unless a longer period is required by applicable law.

14. Governing law

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs Section 13.

15. Changes to these Terms

We may revise these Terms at any time by posting an updated version with a new effective date. Continued use of the Site after changes constitutes acceptance.

16. Severability; entire agreement

If any provision of these Terms is found unenforceable, the remainder stays in effect (and, for Section 13, an unenforceable provision will be severed without affecting the rest of the arbitration agreement, except that if the class action waiver is found unenforceable, the entire arbitration section is void). These Terms, the Privacy Policy, and the Consumer Disclosures are the entire agreement between you and Keeper regarding the Site.

17. Contact

LegacyLife Partners LLC dba Keeper Mortgage Protection
525 E Big Beaver Rd, Troy, MI 48083
support@keepermortgageprotection.com · (586) 980-1150