Terms of service

Welcome to tierdlife.com (the “Website”), operated by Keyah Vinson, an independent licensed life insurance agent. By accessing or using this Website, you agree to these Terms of Use. If you do not agree to these terms, please discontinue use of the Website.

1. Informational Purposes Only
All content provided on this Website is intended for general educational and informational purposes only. Nothing on this Website constitutes financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.

2. No Client-Agent Relationship
Use of this Website or submission of your information through any forms does not create an agent-client relationship. A formal relationship is only established through a signed agreement and the appropriate application and licensing process.

3. Licensing and Availability
Insurance products and services discussed on this Website may not be available in all states. Services are offered only through individuals licensed in the applicable jurisdiction. Keyah Vinson is currently licensed to offer insurance in the following states:

CA, VA, TX, DE, NV, HI, WY, CT, RI, UT, KS, WI, NM, PA, MS, TN, OK, AR, AK, DC, ID, IA, LA, ME, MN, MT, NE, NJ, ND, OR, SD, WV

If you reside outside of these states, services may not be available to you.

4. No Guarantees or Warranties
While we strive to provide accurate and timely information, Tier’d Life makes no warranties or guarantees regarding the accuracy, completeness, or suitability of any content on the Website. All information is subject to change without notice. Your use of the Website is at your own risk.

5. Third-Party Links
This Website may include links to external or third-party websites. These links are provided for convenience only. Tier’d Life does not control and is not responsible for the content, accuracy, or privacy practices of third-party websites.

6. Intellectual Property
All content on this Website—including but not limited to text, graphics, images, branding, and layout—is the property of Tier’d Life or its content providers. You may not copy, distribute, reproduce, or use any content without prior written permission.

7. Privacy
Your use of this Website is also governed by our [Privacy Policy], which outlines how personal information is collected, used, and safeguarded. By using this site, you agree to the terms of that policy.

8. Limitation of Liability
To the fullest extent permitted by law, Tier’d Life and its representatives are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or reliance on, the content and services provided through this Website.

9. Modifications to Terms
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes are posted indicates your acceptance of the revised terms.