Acceptance of Terms

By accessing and using the American Family Advantage website (www.americanfamilyadvantage.com), including any pages, landing pages, funnels, or forms hosted on the Tractionify platform, you accept and agree to be bound by the terms and provisions of this agreement. American Family Advantage is a DBA (doing business as) of NEU Holdings Inc., a Delaware S-Corporation. If you do not agree to abide by these Terms, please do not use this service.

Use License

Permission is granted to temporarily access the materials on the American Family Advantage website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

Modify or copy the materials.

Use the materials for any commercial purpose or for any public display.

Attempt to reverse engineer any software contained on the website.

Remove any copyright or other proprietary notations from the materials.

Transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time.

Services Provided

American Family Advantage, a DBA of NEU Holdings Inc., provides educational information about Indexed Universal Life (IUL) insurance and other life insurance products, and connects American families with licensed insurance providers. We are not an insurance company and do not issue insurance policies. We act as an intermediary to help you find insurance products that may meet your needs.

Insurance products discussed on this website are underwritten by third-party carriers including, but not limited to, Mutual of Omaha, Americo, F&G (Fidelity & Guaranty Life), and Ethos. American Family Advantage does not guarantee the availability, terms, or pricing of any insurance product.

Our website, landing pages, funnels, forms, and certain communication features are hosted on and powered by the Tractionify platform. Your use of the Service includes interaction with Tractionify-hosted pages and tools, which are subject to these Terms.

No Insurance, Financial, or Tax Advice

The information provided on this website is for general informational and educational purposes only and does not constitute insurance, financial, legal, or tax advice. All policy illustrations, projected cash values, and growth rates referenced on this website are hypothetical and not guaranteed. Actual results may vary based on carrier, product, market conditions, and individual circumstances.

You should consult with qualified professionals regarding your specific insurance, financial, legal, or tax situation before making any decisions. Nothing on this website should be construed as a recommendation to purchase any specific insurance product.

User Accounts and Information

When you create an account, submit a quote request, complete a form, or provide information through our website or any Tractionify-hosted page, you agree to:

Provide accurate, current, and complete information.

Maintain and promptly update your information.

Maintain the security of your account credentials.

Accept responsibility for all activities that occur under your account.

Notify us immediately of any unauthorized use of your account.

Communications Consent

By providing your phone number or email address through the website or any Tractionify-hosted form, landing page, or funnel, you consent to receive communications from American Family Advantage, NEU Holdings Inc., and our partners, including phone calls, text messages (SMS/MMS), and emails regarding insurance products, quotes, and related services.

Calls and text messages may be sent using automated technology, including AI-powered chatbot assistants and automated communication workflows operated through the Tractionify platform. Standard carrier rates may apply.

You may opt out of receiving text messages at any time by replying "STOP." You may opt out of marketing emails by following the unsubscribe link in any email. You may request to be removed from phone contact by notifying our customer service team. Opting out of marketing communications will not affect service-related communications.

Prohibited Uses

You may not use our website:

In any way that violates any applicable federal, state, local, or international law or regulation.

To transmit any advertising or promotional material without our prior written consent.

To impersonate or attempt to impersonate the company, a company employee, another user, or any other person or entity.

In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful.

To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website.

To collect or harvest any personally identifiable information from the website.

To introduce any viruses, trojan horses, worms, or other malicious or technologically harmful material.

To attempt to gain unauthorized access to any portion of the website, the Tractionify platform, or any systems or networks connected to the Service.

Intellectual Property

The website and its original content, features, functionality, branding, and design are owned by NEU Holdings Inc. (operating as American Family Advantage) and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. The "American Family Advantage" name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of NEU Holdings Inc. You must not use such marks without our prior written permission.

The Tractionify platform, its name, logo, and technology are the intellectual property of their respective owners and are not owned by American Family Advantage or NEU Holdings Inc.

AI-Generated Content

American Family Advantage may use artificial intelligence tools to generate or assist in the creation of marketing content, video advertisements, written materials, chatbot conversations, and other communications. AI-generated content is for informational and illustrative purposes only. Characters, testimonials, or scenarios depicted in AI-generated content may be fictional and do not represent actual customers, experiences, or guaranteed outcomes.

Certain automated communications you receive from American Family Advantage, including chat messages and SMS, may be generated or facilitated by AI-powered systems operating through the Tractionify platform. These communications are designed to assist you but do not constitute professional insurance, financial, legal, or tax advice.

Disclaimer

The materials on the American Family Advantage website are provided on an "as is" and "as available" basis. American Family Advantage and NEU Holdings Inc. make no warranties, expressed or implied, and hereby disclaim and negate all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

American Family Advantage does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website. Policy illustrations and projected values are hypothetical examples only and should not be relied upon as predictions of future performance.

Limitations of Liability

In no event shall American Family Advantage, NEU Holdings Inc., or their officers, directors, employees, agents, or suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the American Family Advantage website or any Tractionify-hosted pages, even if American Family Advantage or an authorized representative has been notified of the possibility of such damage.

American Family Advantage and NEU Holdings Inc. shall not be liable for any decisions made or actions taken by you based on the information provided on this website, including but not limited to the purchase of any insurance product.

Indemnification

You agree to defend, indemnify, and hold harmless American Family Advantage, NEU Holdings Inc., and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of the website, your violation of these Terms, or your violation of any third-party rights.

Revisions and Errata

The materials appearing on the American Family Advantage website could include technical, typographical, or photographic errors. American Family Advantage does not warrant that any of the materials on its website are accurate, complete, or current. We may make changes to materials at any time without notice.

Links to Third-Party Sites

Our website may contain links to third-party websites or services that are not owned or controlled by American Family Advantage or NEU Holdings Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that American Family Advantage shall not be responsible or liable for any damage or loss caused by the use of any such third-party content, goods, or services.

Modifications to Terms

American Family Advantage may revise these Terms of Service at any time without prior notice. By continuing to use this website after any changes are posted, you are agreeing to be bound by the then-current version of these Terms. We encourage you to review these Terms periodically.

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.

Governing Law

These Terms and any disputes arising out of or related to these Terms or the website shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You irrevocably submit to the exclusive jurisdiction of the courts located in the State of Florida for the resolution of any such disputes.

Contact Information

If you have any questions about these Terms of Service, please contact us:
Email: [email protected]