Terms & Conditions

PLEASE READ THIS USER AGREEMENT AND ALL OTHER AGREEMENTS AND POLICIES REFERENCED HEREIN COLLECTIVELY DEFINED BELOW AS THE "TERMS AND CONDITIONS" CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS

This User Agreement (this "Agreement") is a contract between you ("you" or "User") and Avila insurance and financial services DBA Empire Insurance,("we," or "us"). To the extent expressly stated, you must read, agree to, and accept all of the terms and conditions contained in this Agreement to be a User of our website. You (website "user") understand and recognize that Avila insurance and financial services DBA Empire Insurance is not a party to any agreement, contract or contractual relations, of any nature, entered into between the users of its website.

YOU UNDERSTAND THAT BY USING THE SITE AFTER THE EFFECTIVE DATE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS IN ITS ENTIRETY, YOU MUST NOT ACCESS OR USE THE SITE AFTER THE EFFECTIVE DATE EXCEPT AS PERMITTED BY THE SITE TERMS OF USE.

About Choose Wisely

Our mission at Avila insurance and financial services DBA Empire Insurance is to make the families we protect and the families of our agents our number one priority. Trust and loyalty is not given, it is earned and all of us here will give everything we have to earn it with our clients and our agents.

We specialize in mortgage protection life insurance, final expense life insurance, retirement planning through universal life policies and retirement protection through the use of fixed index annuities. We have multiple insurance carriers inclusive of Americo, Mutual of Omaha and various others that we work with in order to be able to meet all the client's needs.

Definitions

"Avila insurance"
"T&Cs"

"Services"

"Website"

Scope

These Terms are intended to supplement and not to replace any existing agreements between you and Avila insurance and financial services DBA Empire Insurance regarding services offered.

Your use of the Website is at user's discretion and sole risk. Avila insurance and financial services DBA Empire Insurance is not responsible for any harm that may result or arise out of use of the platforms.

Ownership

All rights to this Website, the content, information herein and other services and materials made available on this Website, including software application, copyright information and proprietary notices that may be provided, (collectively the "Materials") are proprietary to Avila insurance and financial services DBA Empire Insurance, its subsidiaries, or third parties from which Avila insurance and financial services DBA Empire Insurance have gotten permission from and are protected by worldwide copyright laws as well as other intellectual property laws.

Data Security Policy

Avila insurance and financial services DBA Empire Insurance will take the appropriate and reasonable measures to ensure that data transported electronically to us through the website or otherwise and stored by Avila insurance and financial services DBA Empire Insurance or otherwise is not accessed by an unauthorized third party/parties. We do not store credit or debit card details on our site.

Choice of Law

These Terms and Conditions of Use shall be governed by and construed in accordance with applicable United States federal law, without reference to "conflicts of laws" provisions or principles.

Changes to Terms

Avila insurance and financial services DBA Empire Insurance reserves the right to update and change these Terms and Conditions of Use from time to time at its sole discretion. Please check the Terms and Conditions of Use periodically for changes. Your continued use of this Website following the posting of any changes to the Terms and Conditions of Use will confirm your acceptance of those changes.