Nova Life USA

Effective Date: March 4, 2026

These Terms of Service ("Terms") govern your use of the website located at novalifeusa.com and any services provided by NovaLifeCo LLC, operating as Nova Life USA ("Company," "we," "our," or "us").

By accessing this website or using any of our services, you agree to these Terms. If you do not agree, you should not use this website.

1. Company Information

Nova Life USA is operated by:

NovaLifeCo LLC
7907 W Atlantis Way
Phoenix, AZ 85043
Phone: 720-202-2652
Email: [email protected]

Nova Life USA operates as a licensed insurance agency offering life insurance and related protection products through licensed agents.

2. Services Provided

Nova Life USA provides:

Life insurance education and information

Insurance quote requests

Consultations with licensed insurance agents

Assistance with insurance applications

Insurance products are offered through licensed agents and are subject to underwriting approval by the issuing insurance carrier.

Nova Life USA does not guarantee policy approval, coverage availability, or specific pricing.

3. Eligibility

You must be at least 18 years old to use this website or request insurance information.

By using this website, you confirm that:

The information you provide is accurate

You are legally able to enter into agreements

You are using the website for lawful purposes

4. Insurance Disclosure

Nova Life USA is a licensed insurance agency operating under NovaLifeCo LLC. Insurance products are offered through licensed agents and independent contractors associated with the agency.

Insurance policies are issued by third‑party insurance carriers. Coverage availability, pricing, and eligibility are determined solely by the issuing carrier and are subject to underwriting approval.

Nothing on this website constitutes a guarantee of insurance coverage or policy approval.

5. Communications Consent

For additional details on how personal information is collected and used, please review our Privacy Policy available at: https://novalifeusa.com/privacy-policy

By submitting your contact information through this website, you agree that Nova Life USA and its licensed agents may contact you regarding insurance products or services.

Contact methods may include:

Phone calls

SMS text messages

Automated technologies such as automated dialing systems or messaging tools

Message and data rates may apply depending on your mobile carrier.

Wireless carriers are not liable for delayed or undelivered messages.

You may opt out of SMS communications at any time by replying STOP.

Consent to communications is not required as a condition of purchasing insurance.

6. Automated Systems and Artificial Intelligence

Nova Life USA may use automated technologies, including artificial intelligence, automated messaging systems, chat systems, or scheduling tools to assist with customer communication, appointment scheduling, and general inquiries.

These technologies may operate with limited or no human intervention.

By providing your information, you acknowledge and consent to such automated communications.

7. User Responsibilities

Users agree not to:

Provide false or misleading information

Attempt to interfere with website functionality

Attempt to gain unauthorized access to systems or data

Use the website for unlawful purposes

Nova Life USA reserves the right to deny service or terminate access for violations of these Terms.

8. Intellectual Property

All content on this website, including text, graphics, branding, logos, images, and design elements, is the property of NovaLifeCo LLC unless otherwise stated.

Content may not be copied, reproduced, distributed, or used without written permission from the Company.

9. Third‑Party Services

Insurance policies are issued by third‑party carriers. Nova Life USA is not responsible for the underwriting decisions, policy terms, or actions of any insurance carrier.

Our website may also contain links to third‑party websites. We are not responsible for the content, policies, or practices of external websites.

10. Limitation of Liability

To the fullest extent permitted by law, NovaLifeCo LLC shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

Use of the website

Reliance on information provided on the website

Insurance carrier underwriting decisions

Interruptions or errors in website functionality

Users access and use this website at their own risk.

11. Website Content Disclaimer

The information provided on this website is for informational purposes only and should not be considered financial, legal, or tax advice.

Users should consult licensed professionals before making insurance or financial decisions.

12. Modifications to These Terms

Nova Life USA reserves the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date.

Continued use of the website constitutes acceptance of any revised Terms.

13. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles.

14. Contact Information

If you have questions regarding these Terms, you may contact:

Nova Life USA
NovaLifeCo LLC
7907 W Atlantis Way
Phoenix, AZ 85043

Phone: 720-202-2652
Email: [email protected]