Last updated: March 2026
1. Acceptance of Terms
By accessing or using this website located at cleverinsurance.info and any related pages, forms, booking links, or content (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”).
If you do not agree to these Terms, you must not use this Site.
2. About Us
This Site is owned and operated by Evolutions Ins Group LLC, an independent insurance agency offering life insurance and annuity products.
Our principal place of business is in Sunnyvale, California, County of Santa Clara.
You can contact us at:
Email: [email protected]
3. Informational Purposes Only – No Professional Advice
The content on this Site is provided for general informational and marketing purposes only and does not constitute legal, tax, accounting, or investment advice.
Any insurance descriptions, examples, or summaries are general in nature and may not apply to your specific situation or to any particular policy or carrier.
You should not make decisions solely based on information on this Site.
Before making any decision, you should consult directly with a licensed insurance professional, tax advisor, legal counsel, or other qualified professional as appropriate.
4. No Guarantee of Coverage or Rates
Submitting a form, requesting a quote, booking a call, or communicating with us through this Site does not guarantee:
That coverage will be placed.
That you will be approved by any insurance carrier.
Any specific premium, benefit amount, product, or policy terms.
All insurance products are subject to the terms, conditions, underwriting guidelines, and decisions of the issuing insurance carriers.
Any quotes or illustrations are provided as estimates only and are subject to change.
5. No Agency, Carrier, or Product Endorsement
References to specific insurance companies or products, if any, are for informational purposes only and do not constitute an endorsement or recommendation of any particular insurer or product by this Site.
Carrier availability, product options, and features may vary by state and by individual circumstances.
6. Eligibility, Licensing, and State Limitations
Our ability to offer or place insurance coverage may depend on our licensing status and carrier appointments in your state.
We do not represent that we are licensed in every jurisdiction or that every product mentioned is available in your state.
Nothing on this Site is a solicitation to buy any product in any state or jurisdiction where such solicitation or sale would be unlawful.
7. User Responsibilities
You agree that all information you submit through this Site (including forms to request quotes or book calls) is accurate, complete, and not misleading.
You agree not to use this Site for any unlawful, harmful, or fraudulent purpose.
You are responsible for maintaining the confidentiality of any communication channels you use to interact with us and for any activity that occurs through your devices or email accounts.
8. Intellectual Property
All text, graphics, logos, images, videos, and other content on this Site, excluding any carrier materials or third‑party content, are owned or licensed by Evolutions Ins Group LLC and are protected by applicable intellectual property laws.
You may view and print content for your personal, non‑commercial use only.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Site without our prior written consent, except as otherwise permitted by law.
9. Third‑Party Links
This Site may contain links or references to third‑party websites, tools, or services that are not owned or controlled by us.
We are not responsible for the content, privacy practices, products, or services of any third‑party sites.
Your use of any third‑party site is at your own risk and subject to the terms and policies of that third party.
10. Communications, Consent, and Lead Forms
By submitting your contact information through this Site (for example, to request a quote or book a call), you consent to be contacted by Evolutions Ins Group LLC and its representatives via phone, email, text message (SMS), or other electronic means using the information you provide.
Your consent to receive communications is not a condition of any purchase of goods or services.
Standard message and data rates may apply depending on your wireless plan.
You can opt out of marketing text messages at any time by replying STOP, and you can opt out of marketing emails by using the unsubscribe link in those emails.
11. No Warranties
This Site and all content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied.
We do not warrant that the Site will be uninterrupted, error‑free, secure, or free of viruses or other harmful components.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non‑infringement.
12. Limitation of Liability
To the fullest extent permitted by law, Evolutions Ins Group LLC and its owners, members, managers, employees, and agents will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, this Site or any content on it.
This limitation applies whether the alleged liability is based in contract, negligence, tort, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.
If any part of this limitation of liability is found to be invalid or unenforceable, our total liability for any claim will not exceed one hundred dollars (100 USD) or the amount you paid to us for the services at issue, whichever is greater.
13. Indemnification
You agree to indemnify, defend, and hold harmless Evolutions Ins Group LLC and its owners, members, managers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:
Your use of the Site.
Your violation of these Terms.
Your violation of any rights of a third party.
14. Privacy
Our collection and use of your personal information through this Site are governed by our Privacy Policy, which is separate from these Terms.
By using this Site, you also agree to the terms of our Privacy Policy.
15. Changes to the Site and Terms
We may update, modify, or discontinue any part of this Site or these Terms at any time without prior notice, as allowed by applicable law.
The “Last updated” date above reflects the most recent change to these Terms.
Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms.
16. Governing Law and Venue
These Terms and your use of the Site are governed by the laws of the State of California, without regard to its conflict of law principles.
Any disputes arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Santa Clara County, California, and you consent to the personal jurisdiction of those courts.
17. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.
18. Entire Agreement
These Terms constitute the entire agreement between you and Evolutions Ins Group LLC regarding your use of this Site and supersede any prior or contemporaneous understandings or agreements, whether written or oral, relating to such subject matter.ph Font