Last modified: September 10, 2020
Fabric Insurance Agency, LLC (a subsidiary of Fabric Technologies, Inc.) is a New York agency (license #1442670) with additional licenses in Alabama (license #775904), Alaska (license #100138036), Arizona (license #1166890), Arkansas (license #100166524), California (license #0L42465), Colorado (license #524626), Connecticut (license #2543353), Delaware (license #3000042461), District of Columbia (license #3000043690), Florida (license #L098093), Georgia (license #192479), Hawaii (license #447371), Idaho (license #597072), Illinois (license #100789345), Indiana (license #3205930), Iowa (license #1002282982), Kansas (license #371832788), Kentucky (license #938009), Louisiana (license #715415), Maine (license #AGN279128), Massachusetts (license #2017049), Michigan (license #111281), Minnesota (license #40503125), Mississippi (license #15030658, Missouri (license #8394649), Montana (license #3000081868), Nebraska (license #100260480), Nevada (license #3205934), New Hampshire (license #2357749), New Jersey (license #1628509), New Mexico (license #100014875), New York (license #LA-1442670), North Carolina (license #1000506928), North Dakota (license #3000042571), Ohio (license #1132193), Oklahoma (license #0100278569), Oregon (license #0100300863), Pennsylvania (license #796854), South Carolina (license #210411), South Dakota (license #10019313), Tennessee (license #2352742), Texas (license #2150423), Utah (license #597406), Vermont (license #3233500), Virginia (license #140948), Washington (license #937533), West Virgina (license #100232984), Wisconsin (license #3000086472), and Wyoming (license #326855).
The New York licensed agent is Adam Erlebacher (license #1408467), with additional licenses in Alabama (license #761807), Alaska (license #100132423), Arizona (license #1149538), Arkansas (license #17816663), California (license #0L06546), Colorado (license #524626), Connecticut (license #2526385), Delaware (license #1409603), District of Columbia (#3093519), Florida (#W336321), Georgia (license #3084737), Hawaii (license #440995), Idaho (license #576167), Illinois (license #17816663), Indiana (license #3165051), Iowa (license #17816663), Kansas (license #17816663), Kentucky (license #918505), Louisiana (license #696580), Maine (license #PRN269719), Massachusetts (license #2005824), Michigan (license #771881), Minnesota (license #40479915), Mississippi (license #10437329), Missouri (license #8378839), Montana (license #0100154187), Nebraska (license #17816663), Nevada (license #3164903), New Hampshire (license #2344415), New Jersey (license #1613761), New Mexico (license #424519), New York (license #LA-1408467), North Carolina (license #17816663), North Dakota (license #0017816663), Ohio (license #1109518), Oklahoma (license #0100261287), Oregon (license #0017816663), Pennsylvania (license #778195), Rhode Island (license #2335102), South Carolina (license #819775), South Dakota (license #40421315), Tennessee (license #2336984), Texas (license #2106226), Utah (license #576087), Vermont (license #3165243), Virginia (license #995368), Washington (license #921890), West Virginia (license #17816663), Wisconsin (license #17816663), and Wyoming (license #314265).
The products and services described on the Service are only available for persons in those jurisdictions in which they may legally be sold. Nothing on the Service shall be considered a solicitation to buy or an offer to sell anything to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful.
The Service is designed for use in the United States, except for those other countries expressly supported as reflected in the Service.
Most of our Services are available on both the Site and our mobile application, but they may work differently due to the nature of their technologies. Certain portions of our Service may only be available through the Site, and other portions of our Service may only be available through the mobile application. We synchronize your information between our different platforms.
If you use the Service, you are responsible for maintaining the confidentiality of your account and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account. Further, by using the Service, you warrant that you are at least 18 years of age and possess the legal authority to use the Service. Fabric does not sell products to minors, but it sells them to adults. Fabric reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.
The logos, trademarks, and service marks used on the Service are pending or registered marks of Fabric. Nothing on the Service should be construed as granting, by implication, or otherwise, any license or right to use these marks without Fabric’s prior written permission specific for each such use. All goodwill generated from the use of Fabric’s marks shall be for the benefit of Fabric. All logos, trademarks and service marks not owned by Fabric that appear on the Site or our mobile application are the property of their respective owners.
Any and all (i) suggestions for correction, change and modification to the Service and other feedback (including but not limited to quotations of written or oral feedback), information and reports provided to Fabric by you (collectively “Feedback”), and all (ii) improvements, updates, modifications or enhancements, whether made, created or developed by Fabric or otherwise relating to the Service (collectively, “Revisions”), are and will remain the property of Fabric. You acknowledge and expressly agree that any contribution of Feedback or Revisions does not and will not give or grant you any right, title or interest in the Service or in any such Feedback or Revisions. All Feedback and Revisions become the sole and exclusive property of Fabric and Fabric may use and disclose Feedback and/or Revisions in any manner and for any purpose whatsoever without further notice or compensation to you and without retention by you of any proprietary or other right or claim. You hereby assign to Fabric any and all right, title and interest (including, but not limited to, any patent, copyright, trade secret, trademark, show-how, know-how, moral rights and any and all other intellectual property rights) that you may have in and to any and all Feedback and Revisions. At Fabric’s request, you will execute any document, registration or filing required to give effect to the foregoing assignment.
If you choose to use the Service to purchase insurance, such as life insurance, that Fabric is licensed to transact (“Insurance Services”), you agree to (i) designate Fabric as your agent of record, (ii) authorize Fabric to communicate such designation as agent of record to any insurance carrier, your prior insurance producer, and any other person or entity Fabric determines should be advised; (iii) work exclusively with Fabric for such Insurance Services unless we have expressly agreed to collaborate with another insurance agent, and (iv) permit Fabric to receive any commission or other form of compensation that any insurance carrier agrees to pay to Fabric in connection with the provision of Insurance Services.
For clarity, you should not cancel any existing insurance until you have received written confirmation from the insurance company to which you are applying that your new policy is effective. FABRIC CAN NOT AND WILL NOT BE HELD LIABLE FOR ANY DAMAGES THAT RESULT FROM YOUR FAILURE TO KEEP EXISTING POLICIES IN EFFECT.
Fabric provides Insurance Services only, and does not provide other forms of professional advice of the type that may require professional licensing, such as legal, medical, accounting, or tax advice. If we provide you any information in the course of providing the Service, it is for general informational purposes only and should not be construed as professional advice. No action should be taken based upon any such information without first seeking independent professional advice from a person who is licensed and/or qualified in the applicable area.
For clarity, you will be solely responsible for: (i) compliance with any and all applicable laws, rules, and regulations; and (ii) any use you may make of the Service to assist in complying with any such laws, rules, or regulations. The Service does not include any legal, regulatory, accounting, or tax advice, and you will rely solely upon your own advisors with respect to such advice.
As part of our Service, we may for your convenience offer “fill in the blank” wills or other legal forms and related information for your individual use (collectively, “Self-Help Materials”). We are not a law firm, are not licensed to practice law in any jurisdiction, and do not purport to provide any legal advice. No attorney-client, fiduciary or other special relationship is created between you and us by your use of our Self-Help Materials. Properly preparing a will and other documents with legal significance may require qualified legal and tax advice specific to your particular financial, tax, family and other circumstances. Our Self-Help Materials are not a substitute for the advice of an attorney or tax professional. All use of our Self-Help Materials is at your own risk.
Tax and estate laws change from time to time, may vary from jurisdiction to jurisdiction, and may be interpreted differently in different jurisdictions. We assume no obligation to update our Self-Help Materials. Any information you enter into our forms will appear exactly as entered by you. We do not review the information you enter into our forms for completeness, accuracy or sufficiency. You should contact your own attorney or tax professional to the extent that you wish to verify that the forms prepared using our Self-Help Materials are correct and legally sufficient in your jurisdiction and appropriate for your unique circumstances.
During your initial on-boarding to our Service and from time to time while you are using the Service, we may suggest you consider opening a 529 College Savings Plan. If you are interested in learning more about 529 Plans or would like to open an account, our Service will take you to a website operated by our partner Saving For College, LLC. Saving For College, LLC is an independent company that is not related to Fabric.
For certain services provided directly to you by third parties chosen by you, such as insurance products from an insurance company, Fabric may highlight certain providers for you. Fabric holds its partners to high standards and is selective in establishing external partnerships with providers, provided, however, that the listing of any provider is not a recommendation or endorsement of that provider and is not a guarantee of that provider's quality, competency, or character. You are solely responsible for selecting a provider that meets your requirements. You acknowledge that Fabric may receive compensation from such providers by virtue of your use of the Service, purchase of insurance products and/or purchases of our partners' goods and services.
We use a third party service provider, Plaid Inc., to assist us in providing Fabric Vault.
The Service is provided on an “as is” and “as available” basis. Use of the Service is at your own risk. To the maximum extent permitted by applicable law, the Service (and all information, content, materials, or products included in the Service) is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information, whether oral or written, obtained by you from Fabric or through the Service will create any warranty not expressly stated herein. Without limiting the foregoing, Fabric, its subsidiaries, its affiliates, and its licensors do not warrant that the information, content, materials, or products included in the Service are accurate, reliable, up-to-date, or correct; that the Service will meet your requirements; that the Service will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Service or Fabric’s servers or emails are free of viruses or other harmful components. Any content or data downloaded or otherwise obtained through the use of the Service is downloaded at your own risk and you will be solely responsible for any damage to your computer system or loss of data that results from such download or your use of the Service.
Fabric does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Service or any hyperlinked website or service, and Fabric will not be a party to or in any way monitor any transaction between you and third-party providers of products or services, except in those circumstances in which Fabric expressly agrees to be a party to a transaction between you and third-party providers of products or services. Obligations under insurance policies are the sole responsibility of the issuing insurance company, and are not the responsibility of Fabric.
Certain results of the Service will be based on preliminary data provided by you and received by Fabric, without independent verification. Further, the amount of insurance coverage you need may differ from the results depending on information we did not request of you. These results should not be interpreted as a recommendation that you buy or forgo any insurance product or apply for particular amounts of coverage or obtain coverage with particular limits without doing further independent research.
To the maximum extent permitted by applicable law, Fabric, its affiliates, agents, directors, employees, suppliers and licensors shall not be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to the use of, or inability to use, the Service. Under no circumstances will Fabric be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Service or your account or the information contained therein.
To the maximum extent permitted by applicable law, Fabric assumes no liability or responsibility for any (i) errors, mistakes, or inaccuracies of the Service or any information, content, materials, or products included in the Service; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of the Service; (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; (iv) any interruption or cessation of transmission to or from the Service; (v) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our Service by any third party; (vi) any errors or omissions in the Service or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service; and/or (vii) incorrect account information supplied by you or any account information you failed to update; and/or (viii) the defamatory, offensive, or illegal conduct of any third party. Fabric, its affiliates, agents, directors, employees, suppliers, and licensors shall not be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an aggregate amount exceeding the commissions earned by Fabric hereunder in the twelve (12) months preceding the claim that gave rise to the liability.
This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Fabric has been advised of the possibility of such damage. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
In accordance with California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Program of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210.
Accidental Death Insurance policies (Form VL-ADH1 with state variations where applicable) and Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by The Penn Insurance and Annuity Company of New York (NY only). Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.
All sample pricing is based on a 25-year old F in Excellent health for the coverage amount shown. All samples are for a 10-year term policy, unless otherwise stated. Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT. Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.
A.M. Best uses letter grades ranging from A++, the highest, to F, companies in liquidation. Vantis Life’s A+ (Superior) rating, which was reaffirmed in April 2020, ranks the second highest out of 16 rankings. An insurer’s financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.
Plan like a parent. is a trademark of Fabric Technologies, Inc.