Last updated: October 7, 2025
Welcome to N8closes Company. These Terms of Service (“Terms”) govern your use of our website, text messaging program, and any related services (collectively, the “Services”). By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our Services.
1. Company Information
N8closes
4701 Gazebo Street
Aubrey, TX 76227
Phone: (773) 550-5116
Email: [email protected]
We operate as a licensed life insurance agency helping clients obtain insurance coverage through various carriers. All quotes, coverage, and product availability are subject to underwriting approval and state regulations.
2. Eligibility
You must be at least 18 years old to use our Services. By using our Services, you represent that you are legally able to enter into binding contracts.
3. Use of Services
You agree to use our Services only for lawful purposes and in compliance with these Terms. You agree not to:
Use the Services in any way that violates applicable laws or regulations.
Provide false, misleading, or incomplete information.
Interfere with or disrupt our website or systems.
4. SMS/MMS and A2P Messaging Consent
By submitting your information through any of our web forms, scheduling pages, or lead forms, you consent to receive SMS and MMS messages from N8closes and its representatives for marketing, informational, or transactional purposes related to insurance services.
Message Frequency: Varies by user; typically up to 4 messages per month.
Message & Data Rates: May apply according to your wireless plan.
Opt-Out: You can opt out of text communications at any time by replying STOP to any message we send.
Help: Reply HELP for assistance or contact us at [email protected].
Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.
By opting in, you affirm that you are the owner or authorized user of the phone number provided and that you understand standard carrier rates may apply.
5. Privacy Policy
Your use of our Services is also governed by our [Privacy Policy], which explains how we collect, use, and protect your personal information. Please review it carefully. (If you do not have one yet, we can create a compliant version to accompany this.)
6. Insurance Disclaimers
All insurance quotes are estimates and do not guarantee coverage. Final eligibility and premiums are determined by the insurance carrier based on underwriting. Product availability may vary by state and carrier.
We do not provide tax, legal, or investment advice. Consult your licensed financial professional for guidance on how any insurance product may fit into your financial plan.
7. Intellectual Property
All content on our website—including text, graphics, logos, and materials—is owned by or licensed to N8closes and protected by copyright and trademark laws. You may not copy, reproduce, or distribute our materials without written consent.
8. Limitation of Liability
N8closes is not responsible for any damages arising from your use or inability to use the Services. We provide all Services “as is” without warranties of any kind, express or implied.
9. Indemnification
You agree to indemnify, defend, and hold harmless N8closes, its agents, and affiliates from any claims, damages, or expenses resulting from your use of our Services or your violation of these Terms.
10. Changes to These Terms
We may update these Terms from time to time by posting a new version on our website. Continued use of our Services after changes constitutes your acceptance of the new Terms.
11. Contact Us
For questions or concerns regarding these Terms or our messaging program, please contact us at:
N8closes
4701 Gazebo Street, Aubrey, TX 76227
Phone: (773) 550-5116
Email: [email protected]
By using our Services, you acknowledge that you have read, understood, and agree to these Terms of Service.