Terms of Service

1. Acceptance of Terms

Welcome to Peak Life Coverage (the “Site”), accessible at peaklifecoverage.com and operated by BlackShark Systems Inc. (“we,” “us,” or “our”). By accessing or using the Site, you (“you” or “user”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the Site.

2. Description of Service

Peak Life Coverage is a lead generation service that connects consumers seeking life insurance with licensed insurance professionals, including agents, brokers, and carriers. Our service facilitates introductions — we collect information about your insurance needs and share it with qualified, licensed professionals who can assist you.

3. No Guarantee of Coverage or Rates

We make no representations, warranties, or guarantees regarding:

• Your eligibility for any insurance product or coverage
• The availability of specific insurance products in your area
• Specific premium rates, policy terms, or coverage amounts
• The number of agents or carriers who may contact you
• The quality or suitability of any insurance product offered to you

Insurance eligibility, rates, and availability are determined solely by the insurance carrier based on their underwriting criteria and applicable state regulations.

4. Eligibility and User Responsibilities

To use our Site and services, you must:

• Be at least 18 years of age
• Provide accurate, truthful, and complete information in all forms and communications
• Have the legal capacity to enter into these Terms
• Use the Site only for lawful purposes related to seeking insurance information

You agree not to:

• Provide false, misleading, or fraudulent information
• Use the Site for any purpose other than seeking legitimate insurance information
• Attempt to interfere with the proper functioning of the Site
• Reproduce, duplicate, copy, or exploit any portion of the Site without our written permission
• Use automated scripts, bots, or other means to access the Site

5. Consent to Be Contacted

By submitting your information through our Site, you expressly consent to be contacted by Peak Life Coverage, BlackShark Systems Inc., and our network of licensed insurance professionals regarding your insurance inquiry. This contact may occur via:

• Telephone: Including calls to the phone number you provided, which may include autodialed or prerecorded calls
• Email: To the email address you provided
• SMS/Text Messages: To the mobile phone number you provided

You understand that this consent is not a condition of purchasing any goods or services. You may receive communications from multiple licensed insurance professionals based on your inquiry.

6. SMS/Text Messaging Terms

If you opt in to receive SMS/text messages from us:

• You may receive messages related to your insurance inquiry, appointment reminders, and follow-up communications.
• Message frequency varies depending on your interactions and inquiry status.
• Message and data rates may apply as determined by your mobile carrier.
• You can opt out at any time by replying STOP to any message.
• For assistance, reply HELP or email us at [email protected].
• Supported carriers include all major U.S. carriers. Carriers are not liable for delayed or undelivered messages.
• Your consent to receive text messages is not required as a condition of purchasing any insurance product or service.

7. Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and share your personal information. By using the Site, you acknowledge that you have read and understood our Privacy Policy.

8. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, software, and the overall design and layout, is the property of BlackShark Systems Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Site without our prior written consent. The Peak Life Coverage name, logo, and all related trademarks are the property of BlackShark Systems Inc.

9. Disclaimer of Warranties

THE SITE AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, BLACKSHARK SYSTEMS INC. DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT ANY INSURANCE PROFESSIONAL YOU ARE CONNECTED WITH WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BLACKSHARK SYSTEMS INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SITE OR SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify, defend, and hold harmless BlackShark Systems Inc. and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any information you provide through the Site.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in the State of Delaware, and you consent to the personal jurisdiction of such courts.

13. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall first be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Arbitration shall take place in the State of Delaware. The arbitrator’s decision shall be final and binding. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

14. Termination

We reserve the right to suspend or terminate your access to the Site at any time, with or without cause and with or without notice, at our sole discretion. Upon termination, your right to use the Site will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

15. Modifications to Terms

We may revise these Terms at any time by posting the updated version on the Site with a new effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BlackShark Systems Inc. regarding your use of the Site and supersede all prior agreements and understandings, whether written or oral.

18. Contact Us

If you have any questions or concerns about these Terms of Service, please contact us: