Effective Date: September 1, 2026
Tomorrow Secured is a trade name of Bravix LLC (“Tomorrow Secured,” “we,” “us,” or “our”). These Terms of Service govern your use of this website and any information, scheduling, educational, or insurance-related services made available through it.
By accessing this website, submitting information, scheduling a call, or otherwise using the site, you agree to these Terms of Service.
Tomorrow Secured provides educational information and access to licensed insurance professionals who may discuss insurance needs, available coverage options, and related financial protection topics.
Tomorrow Secured is not an insurance company and does not underwrite, issue, or administer insurance policies.
Insurance products, when available, are issued by third-party insurance companies and are subject to the terms, conditions, limitations, exclusions, eligibility requirements, underwriting guidelines, and availability established by the applicable insurer.
Insurance-related services are available only in states where the applicable insurance professional and, where required, the applicable business entity are properly licensed and authorized to conduct insurance business.
The availability of insurance products, coverage options, premiums, benefits, eligibility, and policy features may vary by state, insurer, and applicant.
Nothing on this website is intended to constitute an offer, solicitation, or transaction of insurance in any jurisdiction where such activity would be unlawful.
You must be at least 18 years old, or the age of majority in your state of residence if higher, to submit information through this website or request insurance-related services.
By submitting information through this website, you represent that you meet this eligibility requirement and that the information you provide relates to yourself or another person for whom you are legally authorized to act.
Information provided on this website, in videos, articles, emails, text messages, or other communications is provided for general informational and educational purposes.
Website content should not be interpreted as:
Any insurance decision should be based on the specific policy documents, disclosures, and information provided by the issuing insurance company.
Submitting information, requesting a coverage review, scheduling or participating in a call, or receiving information about insurance options does not guarantee that insurance coverage will be offered or issued.
Eligibility and policy terms may depend on factors including, but not limited to:
Coverage is not effective unless and until the applicable insurance company approves the application, issues the policy, and any required premium or other issuance requirements have been satisfied.
Using this website, submitting information, requesting a review, or scheduling a conversation does not create any obligation to purchase an insurance product.
You are free to decline any insurance option presented to you.
Any premium amount, coverage amount, benefit example, estimate, or illustration provided through this website or during a conversation is preliminary unless specifically identified otherwise.
Final premiums, benefits, policy provisions, exclusions, waiting periods, graded benefits, underwriting decisions, and other terms are determined by the applicable insurance company.
If any website content or verbal explanation differs from an issued insurance policy, the terms of the issued policy control.
You agree to provide accurate, current, and complete information when submitting forms, requesting information, or applying for insurance.
Insurance companies may rely on the information provided during the application and underwriting process.
Incomplete, inaccurate, or misleading information may affect eligibility, policy issuance, benefits, premiums, or the payment of claims.
When you voluntarily provide your telephone number, email address, or other contact information, you authorize Tomorrow Secured and the licensed insurance professional assisting with your inquiry to contact you regarding your request.
Communications may include telephone calls, emails, and text messages using the contact information you provide.
Where you provide the required consent, communications may include calls or text messages made using automated technology or prerecorded or artificial voice messages.
Your consent to receive marketing calls, text messages, prerecorded messages, or communications made using automated technology is not a condition of purchasing any product or service.
You may revoke your consent to receive marketing communications at any time. You may opt out of text messages by replying STOP to a text message. You may also contact us using the information provided in these Terms and request that communications stop.
Message frequency may vary. Message and data rates may apply depending on your mobile carrier and service plan.
Wireless carriers are not liable for delayed or undelivered messages.
Any additional consent language displayed directly on a form, scheduling page, or other point where you submit information is incorporated into these Terms.
For additional information regarding communication consent, opt-out rights, and communication preferences, please review our Communication Consent.
Tomorrow Secured may use third-party companies and technology providers to operate the website, process inquiries, schedule appointments, communicate with visitors, maintain records, and facilitate insurance applications.
Insurance products are issued and administered by independent insurance companies.
Tomorrow Secured does not control an insurance company's underwriting decisions, policy approvals, claim determinations, premium changes, or other actions taken by an insurer.
This website may contain links or connections to third-party websites, scheduling tools, technology platforms, or other online services.
Tomorrow Secured is not responsible for the content, availability, security, accuracy, or privacy practices of third-party websites or services.
Your use of third-party services may be subject to separate terms and privacy policies.
Your use of this website is also subject to the Tomorrow Secured Privacy Policy.
The Privacy Policy describes how information may be collected, used, stored, disclosed, and protected.
Unless otherwise indicated, the Tomorrow Secured name, logo, branding, website design, videos, written materials, graphics, and other original content appearing on this website are owned by Bravix LLC and/or Tomorrow Secured.
You may view and use website content for personal, non-commercial purposes.
You may not reproduce, republish, distribute, modify, sell, license, or commercially use protected content without prior written permission.
We may modify, suspend, discontinue, or update any portion of this website at any time without notice.
We do not guarantee that the website will always be available, uninterrupted, error-free, or free from technical issues.
To the fullest extent permitted by applicable law, this website and its content are provided on an "as is" and "as available" basis.
Tomorrow Secured makes no warranties, express or implied, regarding the operation of the website, the accuracy or completeness of general website content, or the availability of any particular insurance product.
Nothing in this section limits any warranty or consumer right that cannot legally be waived.
To the fullest extent permitted by applicable law, Bravix LLC, Tomorrow Secured, and their owners, affiliates, representatives, contractors, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of or inability to use this website.
Tomorrow Secured is not responsible for losses resulting from underwriting decisions, policy terms, claim decisions, insurer actions, or reliance on general website information.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless Bravix LLC, doing business as Tomorrow Secured, and its owners, representatives, contractors, and service providers from claims, losses, liabilities, costs, or expenses arising from your unlawful misuse of this website, your violation of these Terms, or knowingly false or misleading information that you provide.
These Terms will be interpreted in accordance with applicable federal law and the laws applicable to the transaction or activity at issue.
Insurance transactions remain subject to the laws and regulatory requirements of the state in which the insurance transaction occurs.
Nothing in these Terms is intended to waive any consumer rights or protections provided under applicable state or federal law.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO GO TO COURT, HAVE A JURY DECIDE A DISPUTE, OR PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION.
Before initiating arbitration, either party must first provide the other with written notice of the dispute and a reasonable opportunity to resolve it informally.
A notice to Tomorrow Secured should include your name, contact information, a description of the dispute, and the relief requested and should be sent using the contact information provided in Section 26.
If the dispute has not been resolved within 30 days after receipt of the notice, either party may proceed with arbitration or, where applicable, small claims court.
Except for disputes that qualify for small claims court and matters that applicable law does not permit to be arbitrated, you and Bravix LLC, doing business as Tomorrow Secured, agree that any dispute, claim, or controversy arising out of or relating to this website, these Terms, your submission of information, communications with Tomorrow Secured, or services provided through this website will be resolved by binding individual arbitration rather than in court.
This arbitration agreement is intended to be governed by the Federal Arbitration Act to the fullest extent permitted by law.
Arbitration will be administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules, as modified by this Section.
If the AAA is unavailable or declines to administer the arbitration and the parties cannot agree on another arbitration provider, either party may ask a court of competent jurisdiction to appoint a substitute arbitration provider consistent with applicable law.
To the fullest extent permitted by law, arbitration will be conducted only on an individual basis.
You and Tomorrow Secured agree that neither party will bring or participate in a class, collective, consolidated, private-attorney-general, or representative action against the other in arbitration.
Unless both parties agree otherwise in writing, the arbitrator may not consolidate the claims of more than one person or preside over any form of representative or class proceeding.
Nothing in this Section prevents either party from bringing an individual claim in small claims court if the claim qualifies and remains within that court's jurisdiction.
Arbitration may be conducted by telephone, video conference, written submissions, or in person, as permitted under the applicable AAA rules and determined by the arbitrator.
Any in-person arbitration involving a consumer will take place at a reasonably convenient location consistent with applicable law and the AAA Consumer Arbitration Rules.
Arbitration fees and costs will be allocated in accordance with the applicable AAA Consumer Arbitration Rules and applicable law.
Nothing in these Terms requires a consumer to pay arbitration costs that applicable law or the applicable arbitration rules require the business to pay.
The arbitrator may award the same individual remedies that would otherwise be available in court, to the extent permitted by applicable law.
The arbitrator will issue a written decision sufficient to explain the essential findings and conclusions on which the award is based.
You may opt out of this arbitration agreement by sending us written notice within 30 days after the date you first agree to these Terms.
Your opt-out notice must include your full name, the email address or telephone number you used when interacting with Tomorrow Secured, and a clear statement that you wish to opt out of the arbitration agreement.
Opt-out notices may be sent by mail or email using the contact information in Section 26. An email opt-out should include the subject line “Arbitration Opt-Out.”
Opting out of arbitration will not affect your ability to use the website, request information, or purchase an insurance product.
This arbitration agreement survives termination of these Terms and your relationship with Tomorrow Secured.
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.
If any portion of Section 19 is determined to be unenforceable, the enforceability of the remaining portions of Section 19 will be determined in accordance with applicable law.
Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision and does not prevent us from exercising or enforcing it in the future.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
We may assign or transfer these Terms in connection with a merger, acquisition, reorganization, sale of assets, change of control, or other lawful transfer of the business.
These Terms, together with our Privacy Policy, Communication Consent, and any additional terms, disclosures, or consent language presented when you submit information or use a particular service, constitute the entire agreement between you and Tomorrow Secured regarding your use of this website.
We may update these Terms of Service from time to time.
When changes are made, the updated Terms will be posted on this page and the effective date will be revised.
Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.
When you use this website, submit information electronically, or communicate with us by email or text message, you are communicating with us electronically.
You agree that notices, disclosures, and other communications we provide electronically may satisfy any requirement that such communications be in writing, to the extent permitted by applicable law.
Questions, legal notices, arbitration notices, or other communications regarding these Terms may be directed to: