Terms Of Service

1. Company Information

Kyle Kirschbaum
Sole Proprietor
54-327 Kamehameha Highway
Hauula, Hawaii 96717
Phone: 702-677-1497
Email: [email protected]
Website: integralifegroup.com

2. Use of Website

You agree to use our website only for lawful purposes.
You may not attempt to interfere with or disrupt the site, its servers, or its security.

We do not guarantee:

That the website will be error-free

That content will always be up to date

That the website will always be available

Information on this site is provided for general informational purposes only and does not constitute a binding insurance contract or guarantee of coverage.

3. Insurance Information & Service Descriptions

Any insurance-related information, illustrations, or product descriptions presented on this website or via communication are informational only until confirmed by a licensed insurance carrier.

Coverage availability, pricing, and eligibility may vary by state and are subject to underwriting approval.

Submitting information does not guarantee policy issuance or specific premium rates.

4. Consultation Scheduling

Consultation timelines are estimates only and may vary based on availability and client responsiveness.

Scheduling is confirmed only after communication between both parties.

5. Professional Advice Disclaimer

Information on this website (including guides, articles, or FAQs) is not legal, tax, accounting, or investment advice.

You should consult licensed professionals before making financial decisions.

6. User Submissions

If you submit information (contact forms, consultation requests, messages, etc.), you warrant that:

-The information is accurate

-You have the right to share it

-It does not violate third-party rights

We may retain submissions for internal records and compliance purposes.

7. SMS/Text Messaging Terms

By submitting your phone number through our website and selecting the consent checkbox, you agree to receive SMS messages from Kyle Kirschbaum (Integra Life Group).

Messages may include:

-Consultation confirmations

-Appointment reminders

-Insurance information

-Policy updates

-Customer service communications

-Marketing or promotional messages (if opted in)

-Message frequency may vary, up to 4 messages per month.

Opt-Out

You may opt out at any time by replying:

STOP — to stop messages
HELP — for assistance

Message and data rates may apply.

Carriers are not liable for delayed or undelivered messages.

We use secure, verified A2P messaging systems for compliance.

8. Payment Terms

If services requiring payment are provided, terms will be communicated separately in writing.

9. Intellectual Property

All content on this website—including text, graphics, logos, and images—is owned by Kyle Kirschbaum and may not be copied or reproduced without written permission.

10. Links to Third-Party Sites

Our website may link to external websites for convenience.
We are not responsible for their content, privacy practices, or accuracy.

11. Disclaimer of Warranties

This site is provided “as is.”
We make no warranties regarding completeness, accuracy, or reliability.

12. Limitation of Liability

To the fullest extent permitted by law, Kyle Kirschbaum is not liable for any damages arising from your use of this website or reliance on it's contents.

This includes but is not limited to:

- Indirect, incidental, punitive, or consequential damages

- Losses related to delays or scheduling

- Damages caused by inaccurate information on the site

13. Indemnification

You agree to indemnify and hold harmless Kyle Kirschbaum from any claims arising from your use of the website or violation of these Terms.

14. Governing Law

These Terms are governed by the laws of the State of Hawaii.

15. Changes to Terms

We may update these Terms occasionally.
Continued use of the website after updates constitutes acceptance of the revised Terms.

16. Age Restrictions

Our website, services, consultation requests, and communication channels (including SMS, email, or phone) are intended for individuals 18 years of age or older. By using our website or submitting your information, you confirm that you are at least 18 years old and legally able to enter into a binding agreement. We do not knowingly collect personal information from individuals under 18.

17. Contact Information

For questions about these Terms of Service, contact:

Kyle Kirschbaum
Email: [email protected]
Phone: 702-677-1497

Your use of this website is also governed by our Privacy Policy available at:

https://integralifegroup.com/privacy-policy