Last Updated: April 6, 2026 · Effective Date: April 6, 2026
By accessing or using the website rateguardlife.com (the "Site") and any services provided by RateGuard Life ("we," "us," or "our"), a brand operated by BlackShark Systems, Inc. (the "Company"), you ("you" or "User") agree to be bound by these Terms of Service (the "Terms"). If you do not agree to these Terms, do not use the Site or our services.
RateGuard Life is an educational content and rate comparison website operated by BlackShark Systems, Inc., a lead generation company. We are not an insurance company, agent, broker, or adjuster. We do not sell, solicit, negotiate, or bind insurance policies. Our services include:
We make no guarantees regarding the availability, pricing, approval, or suitability of any insurance product. Any insurance product you ultimately purchase will be subject to the terms and conditions of the issuing carrier.
You must be at least 18 years of age and a legal resident of the United States to use our services. By using the Site, you represent and warrant that you meet these eligibility requirements.
By using our Site, you represent and warrant that:
Nothing on this Site constitutes insurance advice, financial advice, legal advice, or a recommendation to purchase any particular insurance product. The information provided on our Site is for general informational and educational purposes only. Rate comparisons are illustrative and may not reflect current pricing. You should consult with a licensed insurance professional and/or financial advisor before making any insurance purchasing decisions.
All content on the Site, including text, graphics, logos, images, software, and the overall design and layout, is the property of BlackShark Systems, Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.
THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
We do not warrant that: (a) the Site will be uninterrupted, secure, or error-free; (b) the results obtained from use of the Site will be accurate or reliable; (c) any insurance product will be available, approved, or suitable for your needs; or (d) any defects in the Site will be corrected.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BLACKSHARK SYSTEMS, INC., RATEGUARD LIFE, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
You agree to indemnify, defend, and hold harmless BlackShark Systems, Inc., RateGuard Life, and their respective officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights.
Our Site contains links to third-party websites, including affiliated insurance quote sites. We are not responsible for the content, privacy practices, or terms of service of these websites. Your interactions with third-party sites are governed by their respective terms and policies.
You and BlackShark Systems, Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services shall be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring an individual action in small claims court if the claim qualifies.
YOU AND BLACKSHARK SYSTEMS, INC. AGREE THAT EACH MAY BRING DISPUTES AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first accepting these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
If you have questions about these Terms of Service, contact us at:
BlackShark Systems, Inc.
Email: [email protected]
Website: rateguardlife.com