Terms of Service

Business: Vitality Wealth Solutions LLC
Effective Date: March 2, 2026
Last Updated: March 2, 2026

These Terms of Service (“Terms”) govern your access to and use of the Vitality Wealth Solutions LLC website (the “Site”) and any related forms, scheduling pages, and communications that link to these Terms (collectively, the “Services”). By using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Services Overview

Vitality Wealth Solutions LLC provides insurance brokerage and related services, which may include life insurance, health insurance, Medicare-related options, employee group benefits, supplemental/disability coverage, retirement planning support, workshops, and travel planning services through third-party providers (collectively, “Services”). Information on the Site is provided for general informational and educational purposes only.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site.

3. No Professional Advice

Content on the Site does not constitute legal, tax, medical, or individualized financial advice. You should consult qualified professionals for guidance specific to your situation.

4. No Guarantees

Quotes, illustrations, and estimates are not guarantees of coverage, approval, benefits, investment performance, or eligibility. Insurance coverage and pricing are subject to carrier underwriting, plan rules, availability, and applicable laws.

5. Requests for Quotes, Consultations, and Appointments

If you submit a request through the Site (including forms, embedded widgets, or scheduling links), you agree that the information you provide is accurate and complete to the best of your knowledge. We may contact you by phone, email, and/or text message to respond to your request, schedule a consultation, and provide information related to the options you asked about.

6. Communications and Text Messaging

If you provide a phone number, you consent to receive calls and/or text messages related to your inquiry, appointment reminders, service communications, and follow-ups. Message frequency may vary. Message and data rates may apply. You can opt out at any time by replying STOP. For help, reply HELP or contact us using the information in Section 14.

Carrier Liability Disclaimer: Wireless carriers are not liable for delayed or undelivered messages.

7. Third-Party Websites, Tools, and Providers

The Site may link to or use third-party tools and websites (for example, scheduling tools, quote platforms, analytics providers, payment processors, or partner services). Your use of third-party services is governed by their own terms and privacy practices. We are not responsible for third-party content, availability, security, or practices.

8. Privacy

Your use of the Site is also subject to our Privacy Policy. Please review it here: Privacy Policy.

9. Intellectual Property

The Site and its content (including text, graphics, logos, and design) are owned by or licensed to Vitality Wealth Solutions LLC and protected by applicable intellectual property laws. You may view, download, and print content for personal, non-commercial use only. You may not copy, reproduce, modify, distribute, or create derivative works without prior written permission.

10. Prohibited Uses

You agree not to:

• Use the Site for unlawful, harmful, misleading, or fraudulent purposes.
• Attempt to gain unauthorized access to the Site, servers, or related systems.
• Introduce malware, spam, scraping, or automated actions that could degrade Site performance.
• Misrepresent your identity or submit information you do not have the right to provide.

11. Disclaimer of Warranties

THE SITE AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VITALITY WEALTH SOLUTIONS LLC AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR SERVICES.

13. Changes to the Site or These Terms

We may update the Site and these Terms from time to time. The “Last Updated” date above reflects the most recent changes. Your continued use of the Site after changes become effective means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules. Any disputes will be resolved in the appropriate state or federal courts located in Illinois, unless applicable law requires otherwise.

15. Contact

Questions about these Terms? Contact us:
Vitality Wealth Solutions LLC
2104 W Moss Ave, Suite 102
West Peoria, IL 61604
Email: [email protected]

We reserve the right to modify these Terms at any time. Continued use of this Site constitutes acceptance of any updated Terms.