Terms of Use

These Terms and Conditions of Use govern your use of this website. By using this website you agree to these terms and conditions of use. By accepting the terms contained herein, you are indicating your acknowledgment and acceptance of these Terms and Conditions of Use. Changes in the terms and conditions of use may occur at any time, without further notice. Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is provided by Seth Waller (hereafter referred to as “eFalcon” “Seth” “We”). These Terms and Conditions apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with eFalcon Life Insurance.

Privacy Policy

eFalcon Life Insurance has adopted a Privacy Policy. You are encouraged to refer to the Privacy Policy by clicking on the Privacy Policy link, before providing any information.

Consent To Be Contacted

You understand that by submitting your personal information, you are making a consumer inquiry for life insurance offered by licensed insurance agents. You also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, email, SMS text, or direct mail even if you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You may withdraw consent by notifying eFalcon Life at [email protected]

Representations and Warranties

You represent and warrant to eFalcon Life that, to the best of your knowledge and ability, any and all information that you submit to this website is true and accurate.

Restrictions on Use

You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without express prior written consent of eFalcon Life. For example, you may not display our logo that appears on this website. You agree to cooperate with eFalcon Life in causing any unauthorized cobranding, for hyper-linking to immediately cease.

Proprietary Information

All information on this site is proprietary information of eFalcon Life. Seth Waller retains all right, title, and interest in it. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of eFalcon Life, except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of eFalcon Life. Neither intellectual property rights or title are transferred to you by access to this site.


This site may be linked to other sites. Such linked sites are not maintained by, or related to, eFalcon Life and such links are provided as a service to users and are not sponsored by or affiliated with this site. We have not reviewed any such sites and are not responsible for the content of those sites. Links are to be accessed at the user’s own risk, and eFalcon Life makes no endorsement, representations or warranties about them.

Third-Party Services and Content

We may provide links to content of third parties as a service to those who may be interested in this content. eFalcon Life does not monitor or have control over any third party content or websites. We do not endorse or adopt any third party content and make no representations  or warranty to it’s accuracy or completeness. Users will use these links and third party content contained therein at their own risk.

Copyrights and Trademarks

eFalcon Life logos, trademarks, and service marks appearing in this site are property of Seth Waller. Seth Waller retains all rights with respect to all such content appearing on this site.


Your use of this site is at your own risk. This website and the materials in the website are provided on an “as is” basis without warranties of any kind, either expressed or implied. eFalcon disclaims all warranties, expressed or implied, including, but not limited to implied warranties of merchantability, fitness for a specific purpose, title, and non-infringement. eFalcon does not represent or warrant that materials on the website are accurate, complete, reliable, current or free from errors. eFalcon does not represent or warrant that this website or its servers are free from viruses or other components that are harmful.

eFalcon does not warrant that the functions or content contained in this site will be uninterrupted or free of errors, that defects will be corrected, or that this server or site that makes it available will be free from viruses or harmful components. eFalcon does not warrant or make representation regarding use, or the result of use of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical erros, eFalcon may make changes and improvements at any time. You–not eFalcon–assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage that arises from using the website or it’s content. eFalcon makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content.

References to any products, processes, services or other information by trade name, agents, trademark, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by eFalcon Life Insurance. We do not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer accurate or complete.

Limitation of Liability 

In no event shall eFalcon, it’s subsidiaries, affliliates, licensors, service providers, content providers, agents, employees, officers, or directors be liable for any incidental, direct, special, indirect, punitive, actual, consequential, special or exemplary damage, or any other damages of any kind–including but not limited to–loss of use, loss of profits , or loss of data, whether it is in an actions in contract, tort (including but not limited to negligence) , or otherwise arising out of/or in any way connected with the use of this site or the materials contained on, or accessed through efalconlife.com.


You will indemnify and hold eFalcon, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms and Conditions of Use by you, including any use of content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this website.


Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). eFalcon will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that eFalcon considers insecure, we are entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, eFalcon reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. eFalcon reserves the right to investigate suspected violations of these Terms and Conditions of Use.

eFalcon Life Insurance reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use.


Applicable Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of North Carolina, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice.


Notwithstanding any of these terms and conditions, eFalcon reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and at any time to block or prevent future access to and use of this website.


If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.

Legal Disclaimer

All text and information provided on or through this site is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by eFalcon Life Insurance.

This site is for informational purposes only and is provided without charge to individuals who may seek information regarding life insurance.

eFalcon Life Insurance does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.