Welcome, to the online Hub of...
Dominic Franchi
MPI Certified Advisor
Life Insurance Specialist
Terms and Conditions for Heritage Life Solutions Inc.
Terms and Conditions
Last updated: December 09, 2022
Please read these terms and conditions carefully before using Our Service.
Interpretation and Definitions Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have
the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions: Affiliated means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority. Country refers to: Illinois, United States Company(referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Heritage Life Solutions Inc., 1532 W. Richmond St, Arlington Heights, IL 60004.Devicemeans any device that can access the Service such as a computer, a cellphone or a digital tablet. Service refers to the Website. Terms and Conditions(also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. This Terms and Conditions agreement has been created with the help of the TermsFeed Terms and Conditions Generator. Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service. Website refers to Heritage Life Solutions Inc., accessible fromhttps://www.heritagelifesolutions.comYoumeans the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service. Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service. By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service. You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service. Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.
Links to Other Websites
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.
Termination
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.
Upon termination, Your right to use the Service will cease immediately.
Limitation of Liability
Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components. Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
Governing Law
The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.
Disputes Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.
For European Union (EU) Users
If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.
United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
Severability and Waiver Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Waiver
Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
Translation Interpretation
These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
Contact Us
If you have any questions about these Terms and Conditions, You can contact us:
By email:dominicf@heritagelifesolutions.com
Our licenses/lines of authority
People who give you advice and sell you insurance are required to be licensed by each state in which they do business. All solicitations to apply for insurance and applications for insurance are made through Heritage Life Solutions Inc. Inc. Dominic G. Franchi, National Producer Number 7318234 is individually licensed in the following states. This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.
IIL 7318234
ME PRN225539
MI 7318234
FL P230548
AZ 962170
NC 7318234
AR 7318234
UT 426527
OH 810907
LA 508209
CO 350919
PA 571817
GA 2702745
OR 7318234
NJ 1274416
OK 100156772
MN 40310128
TX 1715225
WV 7318234
SC 553858
MD 100035764
KS 7318234
IA 7318234
VA 765917
Web site Privacy Policy for Heritage Life Solutions Inc..
This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.
ARTICLE I– PRINCIPLES:
Section 1.01 -- Principles: We may gather and use information as follows:
(1) Notice: We may gather and use information as follows:
(a) Volunteered Information: We will receive and store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed. Typically you will provide information on the Web Site for the purchase of products or services or when you submit comments or questions for review by us.
(b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Web Site (“Cookie”). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Web Site creates.
(c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.
We may disclose information to third parties, or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by contacting us . To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.
When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.
Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.
We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.
(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:
(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.
(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.
(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user’s user name and password to receive personal information.
(4) Security: We protect the security of your personal information. We takes steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ ordering information, user name, and password. We encrypt users’ ordering information, user name, and password (including users’ credit card account number) using Secure Socket Layer (“SSL”) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users’ ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.
Section 2.01 -- User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.
Section 3.01 -- Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contact us to delete such information from our records.
Section 4.01 -- Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.
Section 5.01 -- Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us. If you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.
Section 6.01 -- Please be aware that Google Analytics Advertising Features may be tracking visitor data on this website. Google Analytics may use cookies to collect Demographics and Interest Reporting data, which is used to get a better general understanding of the type of individuals visiting the Web Site; to collect aggregated site-visitation statistics; and to improve marketing initiatives, such as display and remarketing advertising. This information will not be sold to third parties, and the data collected through Google Analytics Advertising Features - including Demographics and Interest Reporting - is not personally identifiable. If you'd like to opt-out of Google Analytics Advertising Features tracking, click here.
Welcome, to the online Hub of...
Alex Branning
Life Insurance Specialist
About Heritage Life Solutions Inc & Dominic Franchi...
We are an independent life insurance broker that relies on personal touch and service to help people just like you shop and compare the different life insurance options out there. You won't get lost in the shuffle or pushed through a giant sales engine. We'll take the time to understand what you're concerned about and help you find competitive solutions.
Dominic G. Franchi has 20+ years of experience in the insurance and financial services. He is married to his wonderful wife Jami and they have three daughters, ages 10, 8, 4. When he's not teaching them to ride bikes and roasting marshmallows in the backyard, they like to travel to water parks in the Midwest. Dominic is a big sports fan and enjoys a round of golf when he can fit it in.
We would like to thank you for allowing us the opportunity to work with you, we are truly grateful and will do our best to earn and keep your business.
My Services
Life Insurance
Final Expense
Reverse Mortgages
Term Life Insurance Quotes
Final Expense Quotes
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We've been looking for life insurance since our kids were born and are so glad we went to Dominic. He's extremely professional and had our best interests in mind. The whole process was way easier than I was expecting it to be and I would recommend him to anyone looking for life insurance for their family. Thanks again Dom!
– Tom R.
I purchased my first life insurance policy from Dominic at Heritage Life over 15 years ago and he’s been my family’s trusted adviser ever since. He’s guided us through some simple policies as well as complex ones, including converting term policies to whole life policies. Most recently for a new policy I had trouble in underwriting (related to a medical review) which would have caused the price to increase, and Dominic was able to work with the insurance carrier to fix the issue and get the policy in place at a discount. You can trust and count that Dominic and the Heritage Team will get the job done!
Martin F.
Dominic was helpful and knowledgeable. He was patient and listened to me. He talked to me about the different types of life insurance to help me figure out what policy was the best for me. Thank you Dominic.
– Kristi H.
My husband and I are very happy with the service and advice Dominic provided to us while looking for life insurance. He was so easy to work with and helped us at every step. I highly recommend him.
– Renee L.
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– Client's Name
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CONTACT ME
1532 W. Richmond St., Arlington Heights, IL 60004
dominicf@HeritageLifeSolutions.com
(847) 749-2933 (Main)
(847) 716-2388 (Other)
(847) 713-1616 (Other)
Mon-Fri 9am-5pm
Dominic G. Franchi - Heritage Life Solutions Inc. - All Rights Reserved - Terms of Use - Licensing - Privacy Policy
Our licenses/lines of authority - People who give you advice and sell you insurance are required to be licensed by each state in which they do business. All solicitations to apply for insurance and applications for insurance are made through Heritage Life Solutions Inc. Inc. Dominic G. Franchi, National Producer Number 7318234 is individually licensed in the following states. This website is not a solicitation to sell insurance in any jurisdiction in which we are not licensed.
IIL 7318234 ME PRN225539 MI 7318234 FL P230548 AZ 962170 NC 7318234 AR 7318234 UT 426527 OH 810907 LA 508209 CO 350919 PA 571817 GA 2702745 OR 7318234 NJ 1274416 OK 100156772 MN 40310128 TX 1715225 WV 7318234
SC 53858 MD 100035764 KS 7318234 IA 7318234 VA 765917