Terms and Conditions

Terms of Use

Welcome to Symphony Cross Life Assurance Solutions LLC, where we, along with our subsidiaries and affiliates (collectively known as "Symphony Cross"), are committed to simplifying the process of buying life insurance for you by offering it online. These Terms of Use ("Terms") are designed to safeguard both you and Symphony Cross while maintaining simplicity and clarity. If you have any questions or concerns, don't hesitate to contact us.

When we talk about "Services," we mean all the products, services, information, and support we provide through our www.symphonycross.com website or affiliated sites (collectively known as the "Site") as well as our expanding community of users.

Please keep in mind that if you purchase insurance from any of our carriers, crucial laws, regulations, conditions, exceptions, and requirements will apply to both you and your insurance carrier concerning your issued policy. Your rights and responsibilities are outlined in your insurance policy received after signing and making your initial payment. 

You agree to abide by these Terms for as long as you use our Services. You will only use our Services in compliance with these Terms, acknowledging that Symphony Cross offers an insurance placement service exclusively for legally eligible individuals in their region. The Services are not intended for minors. By accessing or applying for our Services: (i) only the insured individual should be involved; (ii) you should be the policy owner and payer; (iii) the primary purpose must be family protection; individual protection, to secure a  death benefit, or illness or accident benefits  and (iv) at the time of application submission, no agreements must exist to assign or sell the applied-for policy.

Consent to Doing Business Electronically

By choosing our Services, you're joining us in our commitment to transact business electronically within digital means! All communication regarding our products and services, including insurance, will be conveniently sent to you via email, text messages, or accessed directly on our insurance carriers’ website. Plus, your electronic signature is just as legally binding as the traditional "wet ink" method, ensuring a smooth and efficient experience.

You agree that you can access, view, store, download, and print communications, documents, and hyperlinks we deliver or make available to you electronically through your computer or on your mobile device. You can find apps that support printing and saving electronic communications using your mobile device’s app store. If your mobile device does not have this functionality, you must access the Site through alternate means that provide you with the capability to print and save communications.

If you ever decide to step back from the digital world and revert to conventional communications and signatures, no problem! Just keep in mind that by doing so you should apply for products or services directly with our licensed independent agent. To withdraw your consent to conduct business electronically, kindly send a written notice to us by emailing (admin.support@symphonycross.com), Attn: Administrative offices “Legal”.

leaving www.symphonycross.com

In some cases, we may link to other companies or services. Such as Articles, references, recommendations, social media content or promotions. We cannot guarantee these links because we do not control the content that is not on our site and the links may change after they are posted. Symphony Cross is not responsible for the practices of any linked website or service, including the content displayed to you. In addition, these websites are not governed by or are governed by Symphony Cross Website Policy. Websites and services that we link to are subject to the control of those parties and the policies and terms of those websites. You understand and agree that we have no control over these websites and are not responsible if you allow third parties to access your information. You assume the risk of disclosing any information or displaying content on any other websites.

This does not apply to websites you need to access to use our services. Third Party Billing Services are Hosted Separately from Our Domain. In addition, if any of the Services provided to you contain open-source licenses, those licenses may contain terms that are expressly inconsistent with these Terms. In this case, open-source regulations apply. Symphony Cross Agents sells insurance only in the states in which they are licensed distributors. Our services are provided by our licensed insurance agents. Symphony Cross is not an insurance company. Instead, we offer products and services from certified insurance partners licensed to sell insurance in your state. Not all products are available in all states, and in some cases, you may not qualify for an insurance product.

Symphony Cross receives commissions and may receive other performance-based compensation for its services.

The products we offer are intended only for residents of the United States and Puerto Rico. The Company does not and does not intend to sell insurance products outside the United States or in territories not licensed by independent agents. 

Quote Offers are not the final price.

Symphony Cross creates quotes based on the products of multiple life insurance companies. These prices are subject to change based on the answers on questionnaires, and the information insurance carriers collect when you apply, your selection of different products, or changes of insurance underwriting guides. For example, if you purchase life insurance just before your birthday, or you qualified in a different underwriter’s level the premium could be even higher. As the final premium price takes into effect several factors such as age, gender, health suitability among other factors that may increase the initial quote offered after fully completing the online applications. Prices are subject to change if you apply prior to fully completing insurance carriers online applications. Prices are not finalized until you have contracted with an insurance company and paid your first premium.

Symphony Cross Protects Brands and Assets

©2020 Symphony Cross Life Assurance Solutions LLC. All rights reserved. Symphony Cross and all our logos and designs are trademarks and/or service marks of Symphony Cross Life Assurance Solutions LLC., a Delaware corporation. You may not use our images or logos without our prior written permission.

All persons using our services and visiting our website must respect the intellectual property laws and rights of Symphony Cross. If something doesn't look right on our website, or if you have concerns, please submit a question. If we become aware that third party copyrighted material has been displayed without a license from Symphony Cross, we will immediately investigate the question and remove the material from the site. Notifications must meet US requirements. Equivalent to the Copyright Act 17 U.S.C. 512(c)(3) and all statutes as amended (notification requirements), and/or specific requirements of the applicable Digital Millennium Copyright Act of 1998 (DMCA). If you improperly report copyright infringement, infringement, or proprietary rights, you may be held liable for damages (including reasonable costs and attorney's fees).

SymphonyCross names, logos, designs, business processes, and everything else that is part of our Services are protected by intellectual property rights, including copyrights, trademarks, trade secrets and other United States laws. Our Terms do not grant you a license to use our intellectual property except as necessary to assist you in using our services and purchasing insurance products that we offer to you.

You agree to respect Symphony Cross proprietary rights in connection with the Service and the rights of other parties whose intellectual property is included in the Service. You may not misuse the Service or third-party intellectual property used in connection with the Service. You may not copy or reproduce the Services in any form or by any means. You may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any 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 Services.

We are not granting you any right, title, license, or interest in the Services.

DISCLAIMER OF WARRANTIES

WE DO NOT MAKE ANY WARRANTIES REGARDING THE USE OF THE SERVICE, INCLUDING ANY SOFTWARE CONTAINED IN THE SERVICE, WHICH IS PROVIDED "AS IS". YOU USE OUR SERVICES AT YOUR OWN RISK, WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS OF ANY KIND. SYMPHONY CROSS DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. We are not responsible for any damage, loss or damage to you, your computer, or your data (or any third-party data or computers) resulting from your use of our services. SOME STATES DO NOT ALLOW THESE LIMITATIONS OF LIABILITY. IF YOU LIVE IN ONE OF THESE STATES, THESE WARRANTIES ARE LIMITED TO A LIABILITY LIMITATION OF ONE HUNDRED DOLLARS “$100.00 US AGGREGATE FOR ALL CLAIMS.

The Service contains information to help you decide which insurance is best for you. We are not a substitute for lawyers, financial advisors, or tax planning experts. We only provide information to help our customers consider their insurance choices.

Limitation of liability

IN NO EVENT SHALL (I) SYMPHONY CROSS 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 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 use of the Services are governed by the laws of the State of Pennsylvania, excluding dispute law principles. All claims arising out of or relating to these Terms, or your use of the Services shall be heard exclusively in the federal or state courts located in Philadelphia, Pennsylvania. We and you agree that subject venue and personal jurisdiction shall be Philadelphia, Pennsylvania.

You agree that these are the terms and conditions of use of the Service and that you have not entered into any other agreement related to your use of the Service. We do not have or create any third-party beneficiary rights through our Terms of Use. Our waiver or failure to enforce any of these Terms does not waive our right to enforce these Terms against you or others in the future. The rights granted hereunder may not be assigned to any third party and any attempted assignment shall be void. Symphony Cross may assign these Terms to any affiliate, subsidiary, or acquirer of substantially all Symphony Cross property or stock. If any provision of these Terms is held to be unenforceable, the remaining provisions of these Terms will remain in full force and effect and we will enforce such provisions to the extent most consistent with our intentions. Replaced with a stronger alternative clause.

As Symphony Cross evolves and grows, our terms change.

As Symphony Cross grows and the insurance industry evolves over time, we plan to change our terms. Your continued use of the Service after any change to these Terms constitutes your acceptance of these Terms, including any changes. If you no longer agree to these Terms, please stop using the Service.

Anti-Money Laundering (AML)

Symphony Cross will monitor, detect, and prevent transactions that may involve fraud, money laundering, terrorist financing, or other illegal activity and will report such situations where required by law. I am trying to Symphony Cross reserves the right to refuse service to anyone with reasonable cause to suspect that they are violating applicable law .