Terms of Service

By accessing or using the Ficus platform and website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Ficus provides a digital platform for life insurance beneficiary account management. Our services are designed for use by insurance carriers and their beneficiaries.

You agree to provide accurate information when using our services, maintain the confidentiality of any account credentials, and comply with all applicable laws and regulations.

All content, trademarks, and intellectual property on this website are owned by Ficus or its licensors. You may not reproduce, distribute, or create derivative works without our prior written consent.

To the maximum extent permitted by law, Ficus shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability shall not exceed the amounts paid by you, if any, for access to our services.

Our services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

We reserve the right to suspend or terminate your access to our services at any time for conduct that we determine violates these terms or is harmful to other users or our business.

These terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

We may modify these terms at any time. Continued use of our services after changes are posted constitutes acceptance of the revised terms.

For questions about these Terms of Service, please contact us at info@ficusplatforms.com.