Terms of Service

Effective Date: January 15, 2026
Last Updated: February 5, 2026

1. Agreement to Terms

By accessing and using the website https://bexleylifehealth.com/ (the “Site”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to abide by these Terms, please do not use this service.

Bexley Life & Health (“we,” “us,” “our,” or “Company”) reserves the right to review and revise these Terms at any time. We will notify you of any material changes by updating the “Last Updated” date of these Terms of Service and, where required by law, by providing additional notice such as posting a prominent notice on our Site or sending you an email notification. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

2. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Bexley Life & Health’s Site 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 (commercial or non-commercial)
  • Attempt to decompile or reverse engineer any software contained on Bexley Life & Health’s Site
  • Remove any copyright or other proprietary notations from the materials
  • Transfer the materials to another person or “mirror” the materials on any other server
  • Use the Site or its content for any unlawful purpose or in violation of any applicable laws or regulations
  • Harass, abuse, or threaten other users of the Site
  • Spam or engage in fraudulent activity
  • Circumvent security measures or access controls
  • Scrape, crawl, or use automated tools to collect data from the Site without express written permission

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Bexley Life & Health at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer

The materials on Bexley Life & Health’s Site are provided on an ‘as is’ basis. Bexley Life & Health makes no warranties, expressed or implied, and hereby disclaims and negates 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.

Further, Bexley Life & Health does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Limitations of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, in no event shall Bexley Life & Health or its 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 Bexley Life & Health’s Site, even if Bexley Life & Health or an authorized representative has been notified orally or in writing of the possibility of such damage.

Maximum Liability: Our total liability to you for all claims arising out of or relating to these Terms or your use of the Site shall not exceed the greater of: (a) $100 USD, or (b) the amount you paid us in the past 12 months (if any).

Types of Damages Excluded: We shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to:

  • Loss of profits, revenue, data, use, or other intangibles
  • Business interruption
  • Loss of business opportunities
  • Reputational harm

California Residents: To the extent any of these limitations are found to violate California law, they are modified to comply with California law, including California’s Consumer Legal Remedies Act and Unfair Competition Law.

Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Accuracy of Materials

The materials appearing on Bexley Life & Health’s Site could include technical, typographical, or photographic errors. Bexley Life & Health does not warrant that any of the materials on its Site are accurate, complete, or current. Bexley Life & Health may make changes to the materials contained on its Site at any time without notice. However, Bexley Life & Health does not make any commitment to update the materials.

Bexley Life & Health has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Bexley Life & Health of the site. Use of any such linked website is at the user’s own risk.

We are not responsible for:

  • The content, accuracy, or opinions expressed on third-party websites
  • The privacy practices or terms of service of external sites
  • Any transactions or interactions you have on third-party sites
  • Any damages or losses caused by your use of third-party websites

We recommend reviewing the terms and privacy policies of any third-party sites before providing any personal information or engaging in transactions.

7. Insurance Quote Disclaimers

Nature of Service

Bexley Life & Health is a lead generation and quote comparison service, not an insurance broker, agent, or insurance company. We do not:

  • Provide insurance coverage
  • Determine insurance eligibility
  • Guarantee insurance approval
  • Underwrite insurance policies
  • Make final insurance decisions

Quote Accuracy and Limitations

Insurance quotes provided on our Site are estimates only and may not reflect actual insurance rates or coverage. You acknowledge and agree that:

  • Final rates and coverage terms are determined solely by insurance companies after underwriting and verification
  • Quotes expire and are subject to change without notice
  • Quotes may be subject to verification of information you provided
  • We do not guarantee that you will qualify for any quoted rate or coverage
  • Actual premiums may differ from quoted amounts based on underwriting review
  • Quotes are not binding offers of insurance coverage

Third-Party Insurance Providers

We connect you with third-party insurance providers. We are not responsible for:

  • The accuracy, completeness, or timeliness of information provided by insurance partners
  • The quality of service provided by insurance companies
  • Insurance underwriting decisions or policy denials
  • Premium adjustments after your initial quote
  • Claims handling or dispute resolution
  • The acts or omissions of insurance providers or brokers

You should review all insurance terms, conditions, coverage details, and exclusions directly with your insurance provider before purchasing any policy.

Information provided on our Site is for informational purposes only and should not be considered as financial, legal, or insurance advice. We are not qualified to provide, and do not provide, professional advice regarding insurance suitability, coverage selection, or legal matters.

We strongly recommend consulting with:

  • A qualified insurance professional or licensed broker for advice tailored to your specific insurance needs
  • A licensed attorney for legal advice
  • A financial advisor for financial planning guidance

8. User-Provided Information & Data Collection

Information You Provide

By submitting information through our Site (including but not limited to your name, contact information, driving history, health information, or claims history), you represent and warrant that:

  • All information provided is accurate, complete, and truthful
  • You have the legal authority to provide such information
  • You understand your information may be shared with insurance providers and partners to process your quote requests
  • You consent to the collection and use of your information as described in our Privacy Policy
  • You are at least 18 years of age or have parental/guardian consent to use our services

False Information Warning: Providing false, inaccurate, or misleading information may:

  • Result in inaccurate quotes
  • Lead to policy denial or cancellation
  • Constitute insurance fraud, which is a crime
  • Result in termination of your access to our services

IMPORTANT NOTICE – TELEPHONE CONSUMER PROTECTION ACT (TCPA) DISCLOSURE:

By providing your phone number to Bexley Life & Health, you expressly consent to receive both marketing and non-marketing communications from Bexley Life & Health and our insurance partners via:

  • Text Messages (SMS and MMS)
  • Telephone Calls (including calls made using an automatic telephone dialing system or with an artificial or prerecorded voice)
  • Email communications

Your consent authorizes communications from Bexley Life & Health specifically. Each of our insurance partners must obtain separate, independent consent directly from you before contacting you. We operate under a strict one-to-one consent model.

Critical Disclosures

  • Consent is NOT required as a condition of purchase. You are not required to agree to receive marketing communications as a condition of using our quote comparison services or purchasing any insurance products.
  • Message frequency varies based on your interaction with our services and the quote requests you submit. You may receive multiple messages per week.
  • Message and data rates may apply. Standard messaging rates from your wireless carrier will apply to any text messages you receive from us. Check with your carrier for details.
  • Automated communications: Messages may be sent using an automatic telephone dialing system. Calls may include artificial or prerecorded voices.
  • Permitted calling hours: We will only contact you between 8:00 AM and 9:00 PM in your local time zone, as required by federal law.

Your Opt-Out Rights and Instructions

You have the right to revoke your consent at any time and stop receiving communications from us using any reasonable method, including but not limited to:

For SMS/Text Messages:

  • Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any text message from us
  • Send any other clear indication that you wish to stop receiving text messages

For Phone Calls:

  • Verbally request to be removed from our calling list during any call
  • Call us at +1 659-257-4851 to request removal

For All Communications:

  • Email us at hello@bexleylifehealth.com with your opt-out request
  • Send written notice to: Bexley Life & Health, 9150 Belvedere Road Suite 102 West Palm Beach FL 33411
  • Use any other reasonable method to clearly express your desire not to receive further communications

Processing Time: When you opt out, your request will be honored within 10 business days of receipt, as required by the TCPA. We may send you one final message to confirm your opt-out request, but this message will contain no marketing or promotional content.

Scope of Revocation

  • Marketing Communications: If you opt out of marketing communications, you will no longer receive promotional messages, but you may still receive important transactional or informational messages related to services you’ve specifically requested (such as quote confirmations or account updates).
  • All Communications: If you wish to opt out of all communications including transactional messages, please clearly state “opt out of all communications” in your request.
  • Effective Date (April 2026): Beginning April 11, 2026, under updated FCC rules, if you revoke consent for one type of communication, that revocation may apply to all communications from us unless you specify otherwise.

Do Not Call Registry Compliance

We respect the National Do Not Call Registry. However, calls based on an established business relationship or your express written consent are permitted under federal law. If you wish to stop receiving calls from us, you must explicitly opt out using one of the methods described above.

10. SMS Terms and Conditions (A2P 10DLC Compliance)

Program Description

By opting in to receive text messages from Bexley Life & Health, you can expect to receive:

  • Insurance quote updates and status notifications
  • Appointment reminders and scheduling confirmations
  • Promotional offers and marketing messages related to our insurance comparison services
  • Important service updates and account notifications

Message Frequency and Costs

  • Frequency: Message frequency varies based on your activity and quote requests. You may receive up to 4 messages per month, or more during active quote processes.
  • Costs: Message and data rates from your wireless carrier may apply to all messages sent to you from us and to us from you.
  • Carrier Liability: Mobile carriers are not liable for delayed or undelivered messages.

Opt-Out and Help Instructions

To Cancel (Opt-Out): You can cancel the SMS service at any time by texting “STOP” to any message from us. After you send “STOP,” we will send you a confirmation SMS message stating that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, simply sign up as you did the first time, and we will start sending SMS messages to you again.

For Help: If you are experiencing issues with the messaging program, you can reply with the keyword “HELP” for assistance, or contact us directly at:

  • Email: hello@bexleylifehealth.com
  • Phone: +1 659-257-4851

Supported Carriers

Our SMS service is supported by major U.S. wireless carriers including AT&T, T-Mobile, Verizon, Sprint, and many others. For a complete list of supported carriers, please contact us.

Privacy and Data Sharing

For information about how we collect, use, and protect your personal information, including your mobile number and text message data, please review our Privacy Policy.

Important A2P 10DLC Compliance Notice: We do not share, sell, or provide your mobile number or SMS opt-in data to third parties or affiliates for their marketing purposes. Information may only be shared with service providers who assist us in delivering SMS services to you (such as messaging platforms and customer service contractors), and these providers are contractually obligated to protect your information and use it only for authorized purposes.

By participating in our SMS program, you agree to these Terms of Service. Full terms are available at: https://bexleylifehealth.com/terms-of-service

11. California Privacy Rights (CCPA & CPRA)

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). Please review our Privacy Policy for comprehensive information about:

  • Your Right to Know what personal information we collect, use, and share
  • Your Right to Delete personal information we have collected from you
  • Your Right to Correct inaccurate personal information
  • Your Right to Opt-Out of the sale or sharing of your personal information (Note: We do not sell or share personal information)
  • Your Right to Limit Use of sensitive personal information
  • Your Right to Non-Discrimination for exercising your privacy rights
  • How to submit verifiable consumer requests
  • Our response timeframes (45 days, with possible 45-day extension)
  • Authorized agent procedures

To Exercise Your California Rights:

  • Email: hello@bexleylifehealth.com
  • Phone: +1 659-257-4851
  • Mail: 9150 Belvedere Road Suite 102 West Palm Beach FL 33411

California-Specific Additional Terms:

Right to Opt-Out of Communications: California residents have the right to opt out of marketing communications at any time without penalty or discrimination.

Attorney’s Fees: In any legal action where you are the prevailing party, you may be entitled to recover reasonable attorney’s fees and costs to the extent permitted by California law.

No Sale of Personal Information: We confirm that we do not sell your personal information as defined under the CCPA. You can find our “Do Not Sell or Share My Personal Information” notice in our Privacy Policy.

12. Email Communications & CAN-SPAM Compliance

Promotional Emails

We comply with the CAN-SPAM Act of 2003. Our promotional emails include:

  • Clear identification as promotional or marketing material
  • Our valid physical business address: 9150 Belvedere Road Suite 102 West Palm Beach FL 33411
  • A clear and conspicuous explanation of how you can opt out of future emails
  • Accurate “From,” “To,” and “Reply-To” information
  • Honest subject lines that accurately reflect the content of the message

Opting Out of Email Marketing

To unsubscribe from our promotional emails, you may:

  • Click the “Unsubscribe” link at the bottom of any marketing email
  • Reply to any email with “UNSUBSCRIBE” in the subject line
  • Email us directly at hello@bexleylifehealth.com with your unsubscribe request
  • Call us at +1 659-257-4851
  • Send written notice to: 9150 Belvedere Road Suite 102 West Palm Beach FL 33411

Processing Time: We will process your opt-out request within 10 business days of receipt.

Transactional Emails: Please note that even if you unsubscribe from marketing communications, you may continue to receive transactional emails related to your account, quote requests, or services you have specifically requested (such as quote confirmations, account updates, or responses to your inquiries). These transactional emails are necessary to provide you with the services you have requested.

13. Use Restrictions and Prohibited Activities

You agree not to use the Site for any of the following prohibited activities:

Unlawful Activities:

  • Any unlawful purpose or in violation of any applicable local, state, national, or international laws or regulations
  • To commit or facilitate insurance fraud
  • To provide fraudulent information for quote purposes

Harmful Activities:

  • Submit false, inaccurate, or misleading information
  • Harass, threaten, abuse, defame, or harm any person or entity
  • Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
  • Spam, send unsolicited communications, or engage in fraudulent activity

Technical Violations:

  • Attempt to gain unauthorized access to the Site, user accounts, or related systems or networks
  • Use any automated means (including bots, scrapers, or crawlers) to access the Site or collect data without our express written permission
  • Reverse engineer, decompile, or disassemble any software on the Site
  • Circumvent, disable, or interfere with security features or access controls
  • Interfere with or disrupt the operation of the Site, servers, or networks

Intellectual Property Violations:

  • Violate any third-party intellectual property rights, including copyrights, trademarks, patents, or trade secrets
  • Copy, reproduce, distribute, or create derivative works from our content without permission

Violation Consequences: Violation of these restrictions may result in:

  • Immediate termination of your access to the Site
  • Legal action and prosecution to the fullest extent of the law
  • Reporting to law enforcement authorities
  • Liability for damages caused by your violations

14. Termination

Our Right to Terminate

We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including but not limited to:

  • Breach of these Terms
  • Providing false or misleading information
  • Engaging in fraudulent activity
  • Violating applicable laws or regulations
  • Abuse of our services or staff
  • Any other conduct we deem inappropriate or harmful

Effects of Termination

Upon termination:

  • Your right to use the Site ceases immediately
  • You must immediately destroy any downloaded or printed materials obtained from the Site
  • We may retain your information as required by law, for legitimate business purposes, or to defend legal claims
  • Sections of these Terms that by their nature should survive termination will continue to apply (including disclaimers, limitations of liability, indemnification, and dispute resolution provisions)

Your Right to Terminate

You may terminate your relationship with us at any time by:

  • Ceasing to use the Site
  • Requesting deletion of your account and data (subject to our legal retention obligations)
  • Following the opt-out procedures for communications

15. Intellectual Property Rights

Our Intellectual Property

The Site and all materials contained therein, including but not limited to text, graphics, logos, images, audio clips, video clips, digital downloads, data compilations, software, user interfaces, visual interfaces, trademarks, and service marks, are the property of Bexley Life & Health or its content suppliers and are protected by:

  • United States and international copyright laws
  • Trademark laws
  • Other intellectual property laws and treaties

Restrictions on Use

You may not, without our express written permission:

  • Reproduce, publish, transmit, distribute, display, or perform any materials from the Site
  • Modify, create derivative works from, or adapt any Site materials
  • Use any materials for commercial purposes
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices
  • Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information
  • Use any meta tags or other “hidden text” utilizing our name or trademarks

Trademarks

“Bexley Life & Health” and our logo are trademarks of Bexley Life & Health. All other trademarks, service marks, and trade names referenced on the Site are the property of their respective owners.

Permitted Use

You may view, download, and print materials from the Site solely for your personal, non-commercial use, provided you:

  • Do not modify the materials
  • Retain all copyright and proprietary notices
  • Do not use the materials in a manner that suggests an association with our products, services, or brands

Our Site contains links to third-party websites that are not operated, controlled, or maintained by us. We do not control, endorse, sponsor, recommend, or assume responsibility for:

  • The content, accuracy, or opinions expressed on linked websites
  • The privacy practices, terms of service, or data collection of third-party sites
  • Any products, services, or content available through external sites
  • Any transactions, interactions, or experiences on external sites
  • Security practices of third-party websites

Your use of third-party sites is entirely at your own risk and is governed by their respective terms and privacy policies. We strongly recommend reviewing the terms of service and privacy policy of any third-party site before providing any personal information or engaging in any transactions.

Our Site uses Google Ads and remarketing technologies to serve relevant advertisements. By using our Site, you consent to:

  • Google collecting data about your browsing activity through cookies and similar tracking technologies
  • Google using this data to serve you personalized advertisements based on your previous visits to our Site
  • Google Analytics tracking your interactions with our Site

Your Google Ads Choices:

To control personalized advertising, you may:

Additional Information:

Affiliate Relationships and Compensation

Transparency Disclosure: We may receive compensation, commissions, or other financial benefits from insurance providers, partners, or other third parties when you:

  • Click on certain links on our Site
  • Request quotes through our Site
  • Complete insurance applications or purchase policies through our partners
  • Engage with third-party services or products featured on our Site

Important Notes:

  • This compensation does not affect the quotes or rates you receive from insurance providers
  • We strive to provide objective, accurate comparisons regardless of compensation arrangements
  • Our recommendations are based on matching your needs with available options
  • We are transparent about these relationships to the extent required by applicable law

17. Indemnification

You agree to indemnify, defend, and hold harmless Bexley Life & Health and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, demands, liabilities, costs, losses, damages, judgments, settlements, and expenses (including reasonable attorney’s fees and court costs) arising from or relating to:

  • Your use or misuse of the Site
  • Your violation of these Terms
  • Your violation of any applicable laws, regulations, or third-party rights
  • Any information, content, or data you provide through the Site
  • Your breach of any representation, warranty, or covenant made herein
  • Any negligent or wrongful conduct by you
  • Any claim that your use of the Site caused damage to a third party

Defense of Claims: We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. You agree to cooperate with our defense of such claims.

18. Dispute Resolution & Arbitration

Informal Resolution

If you have any disputes, claims, or controversies with Bexley Life & Health, you agree to first attempt to resolve the matter informally by contacting us at:

  • Email: hello@bexleylifehealth.com
  • Phone: +1 659-257-4851
  • Mail: 9150 Belvedere Road Suite 102 West Palm Beach FL 33411

We will make reasonable efforts to resolve your concern within 30 days of receiving your notice.

Binding Arbitration (Except California Residents)

If you are NOT a California resident and a dispute cannot be resolved informally, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved through binding arbitration rather than in court, except as provided below.

Arbitration Terms:

  • Administrator: Arbitration will be administered by JAMS (Judicial Arbitration and Mediation Services) or the American Arbitration Association (AAA) under its applicable rules
  • Location: Arbitration will be conducted in a mutually agreed location, online, or via telephone conference
  • Arbitrator: A single neutral arbitrator will be selected according to the rules of the arbitration provider
  • Costs: Bexley Life & Health will pay all arbitration fees unless your claim is determined to be frivolous
  • Discovery: Discovery will be permitted to the extent allowed by the arbitration provider’s rules
  • Award: The arbitrator’s award will be final and binding, and judgment may be entered in any court of competent jurisdiction

Exceptions to Arbitration:

  • Small claims court actions (if the claim qualifies)
  • Claims for injunctive or equitable relief to protect intellectual property rights
  • Any claim related to, or arising from, allegations of theft, piracy, or unauthorized use

California Residents – Right to Court

If you are a California resident, you have the right to pursue any dispute in California state or federal court rather than through arbitration. However, you agree that:

  • Any claim must be brought within one (1) year of when the claim arose or be forever barred
  • Venue shall be in the state or federal courts located in Palm Beach County, Florida, or the county where you reside
  • You waive any objection to venue or claims that the action has been brought in an inconvenient forum (to the extent permitted by California law)

Class Action Waiver

Important: You agree that any dispute resolution proceeding, whether in arbitration or court, will be conducted only on an individual basis and not as a class action, representative action, or consolidated proceeding. You expressly waive your right to:

  • Participate in class action lawsuits against Bexley Life & Health
  • Serve as a class representative or class member in any class action
  • Consolidate claims with claims of other individuals

California Residents Exception: If you are a California resident, class action waivers are unenforceable to the extent prohibited by California law. California residents retain all rights under California’s consumer protection statutes, including the right to participate in class actions where permitted by law.

Limitation on Time to Bring Claims

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or these Terms must be filed within one (1) year after such claim or cause of action arose, or be forever barred.

19. Governing Law and Jurisdiction

Governing Law

These Terms and your use of the Site are governed by and construed in accordance with:

  • The laws of the State of Florida
  • The laws of the State of California (with respect to California-specific provisions)
  • Applicable federal laws of the United States

All provisions are to be interpreted without regard to conflict of law principles.

Jurisdiction and Venue

For California Residents: California residents may bring legal actions in the state or federal courts located in California. You agree that:

  • California courts have jurisdiction over disputes arising from these Terms
  • To the extent permitted by California law, you consent to personal jurisdiction in California courts
  • You waive any objection to venue in California courts (to the extent permitted by law)

For All Other Users: You irrevocably submit to the exclusive jurisdiction of the state and federal courts located in Palm Beach County, Florida for resolution of any disputes. You agree that:

  • You consent to personal jurisdiction and venue in these courts
  • You waive any objection to the venue of such courts or claim that such courts are an inconvenient forum

20. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be:

  • Modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its intent
  • If modification is not possible, severed from these Terms

The remaining provisions shall continue in full force and effect and shall not be affected by the invalid, illegal, or unenforceable provision or its severance.

21. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and Bexley Life & Health regarding your use of the Site and supersede all prior or contemporaneous:

  • Negotiations
  • Discussions
  • Agreements
  • Representations
  • Warranties
  • Understandings

Whether written or oral, between you and Bexley Life & Health relating to the subject matter herein.

22. Waiver

The failure of Bexley Life & Health to enforce any right or provision of these Terms shall not constitute a waiver of:

  • Such right or provision
  • Our right to enforce such provision in the future
  • Any other right or provision

Any waiver of any provision of these Terms will be effective only if:

  • Made in writing
  • Signed by an authorized representative of Bexley Life & Health
  • Specifically references the provision being waived

23. Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. Any attempted assignment in violation of this provision is void.

We may assign these Terms, in whole or in part, to any person or entity at any time without your consent, including in connection with:

  • A merger or acquisition
  • Sale of assets
  • Corporate reorganization
  • Other business transfers

24. Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to:

  • Acts of God (earthquakes, floods, fires, storms, natural disasters)
  • War, terrorism, civil unrest, or riots
  • Government actions, laws, regulations, or orders
  • Labor disputes or strikes
  • Telecommunications or internet failures
  • Cyberattacks or data breaches affecting third-party services
  • Pandemics or public health emergencies
  • Supplier or vendor failures

25. Contact Information

For questions about these Terms of Service, to exercise your rights, report violations, or for general inquiries, please contact:

Bexley Life & Health
9150 Belvedere Road
Suite 102
West Palm Beach FL 33411

Phone: +1 659-257-4851
Email: hello@bexleylifehealth.com

Response Time: We will respond to all inquiries within 45 days as required by applicable law (or within 10 business days for general inquiries not subject to specific legal timeframes).

Last Updated: February 5, 2026