Effective Date: August 8, 2025

Terms & Conditions - Manoj Pagnis's Account

1. Acceptance of Terms

  • By using the website, services, or products, you agree to these Terms and Conditions.

  • If you do not agree, do not use the services.

2. Services Provided

  • Manoj Pagnis provides life insurance brokerage services.

  • Includes obtaining quotes, assisting with applications, and answering questions.

  • Services are subject to these Terms and Conditions.

3. User Responsibilities

Users agree to:

  • Provide accurate and complete information when requested.

  • Use services only for lawful purposes.

  • Respect intellectual property rights of all website content.

4. Limitation of Liability

  • Efforts are made to provide accurate and reliable services.

  • No responsibility for errors, inaccuracies, or omissions.

  • Liability is limited to the fullest extent permitted by law.

5. Intellectual Property

  • All website content (text, graphics, logos, software) belongs to Manoj Pagnis's Account or its licensors.

  • Protected by copyright and other intellectual property laws.

  • Content may not be used, reproduced, or distributed without prior written consent.

6. Privacy Policy

  • The Privacy Policy explains how personal information is collected, used, and safeguarded.

  • By using services, you agree to the Privacy Policy terms.

7. Changes to Terms and Conditions

  • Manoj Pagnis may update or modify Terms and Conditions at any time.

  • Changes will be posted here with an updated effective date.

  • Continued use of services means acceptance of updated terms.

8. Governing Law

  • Governed by U.S. laws.

  • Disputes will be handled under the exclusive jurisdiction of U.S. courts.

9. Contact Me

  • Company Name: Manoj Pagnis's Account

  • Agent Name: Manoj Pagnis

  • Address: 4100 Midway Rd # 1070, Carrollton TX 75007

  • Country: US

  • Email: [email protected]

  • Phone: (469) 790-0972

© Copyright Manoj Pagnis's Account 2025. All rights reserved.