Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") apply to www.pypprotectyourpeople.com and the forms, chat, text messages, emails, and events offered by PYP Protect Your People ("PYP," "we," "us," or "our"). By using our website or services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the website. We may update these Terms at any time by posting a new version on this page.

Use of the Website

You agree to use the website only for lawful purposes. You may not:

• Submit false information or impersonate another person
• Try to gain unauthorized access to any part of the website, including password-protected agent pages
• Copy or collect content or data from the website using bots, scrapers, or other automated tools
• Upload viruses or other harmful code, or interfere with how the website works

Educational Information, Not Professional Advice

Content on this website, including articles, FAQs, the coverage check tool, and event presentations, is for general educational purposes only. It is not tax, legal, investment, or medical advice, and it is not an offer or guarantee of coverage. Results from the coverage check are rough estimates. Talk with a licensed professional about your specific situation before making decisions.

Insurance, Annuity, and Debt Relief Services

• Insurance and annuity products are offered through licensed agents of PYP in the states where they are licensed. Coverage, terms, and pricing depend on the carrier, your state, and underwriting, and are governed by the policy or contract issued by the carrier.
• Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
• Debt settlement results are not guaranteed, may affect your credit, may involve fees, and forgiven debt may be taxable. Debt relief services may be provided by third-party partners under their own agreements.
• Submitting a form or booking a consultation does not create a policy, contract, or client relationship until an application is approved or an agreement is signed.

Appointments and Events

When you book an appointment or register for an event, please provide accurate contact information and let us know if you need to reschedule. Event dates, times, and locations may change, and we will do our best to notify you.

Text Message (SMS) Terms

• Program: PYP Protect Your People sends text messages about inquiries, appointments, event registrations, follow-ups, and related services to people who opt in.
• Consent: By checking the SMS consent box on our forms or texting us first, you agree to receive these messages at the number you provided. Consent is not a condition of purchase.
• Frequency: Message frequency varies.
• Costs: Message and data rates may apply.
• Opt out: Reply STOP at any time to stop receiving messages. Reply HELP for help, or contact us at (832) 615-4718 or [email protected].
• Carriers are not liable for delayed or undelivered messages.
• Your mobile information is handled as described in our Privacy Policy, and is not shared with third parties or affiliates for marketing or promotional purposes.

Agent Resources

The password-protected agent pages, training links, and materials are for PYP agents and recruits only. Do not share passwords, access codes, or materials with anyone who is not authorized. We may change or remove access at any time.

Intellectual Property

The website and its content, including text, graphics, logos, and the PYP name and shield, belong to PYP Protect Your People or its licensors. You may not copy, modify, distribute, or create works based on them without our written permission.

Third-Party Links and Services

Our website links to third-party sites and tools, such as booking calendars, carrier and licensing sites, training videos, and debt relief partners. We do not control those sites and are not responsible for their content, policies, or services. Your use of them is subject to their own terms.

Disclaimer of Warranties

The website and its content are provided "as is" and "as available." To the fullest extent allowed by law, we make no warranties, express or implied, that the website will be uninterrupted, error-free, or that its content is complete, current, or accurate.

Limitation of Liability

To the fullest extent allowed by law, PYP Protect Your People and its owners, agents, and partners will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the website or reliance on its content. Our total liability for any claim related to the website will not exceed one hundred dollars ($100).

Indemnification

You agree to defend and hold harmless PYP Protect Your People and its owners and agents from claims, losses, and expenses arising from your misuse of the website or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of Texas. Any dispute will be handled in the state or federal courts located in Harris County, Texas.

Termination

We may suspend or end your access to the website or any part of it, including the agent pages, at any time and without notice if you violate these Terms.

Contact Us

PYP Protect Your People
7676 Hillmont St #375
Houston, TX 77040
Phone: (832) 615-4718
Email: [email protected]