1. Acceptance of Terms
1.1 By accessing or using this website, you agree to be bound by these Terms and Conditions.
1.2 If you do not agree with any part of these terms, you must not use the website.
2. Website Use and Eligibility
2.1 This website is intended for users who are 18 years or older. By using the site, you represent that you meet this requirement.
2.2 You agree to use the website only for lawful purposes and in accordance with these terms.
3. Intellectual Property
3.1 All content on this website, including text, graphics, logos, and software, is owned or licensed by the company and protected by applicable intellectual property laws.
3.2 You may not copy, distribute, modify, or create derivative works from any part of the site without express written permission.
4. Disclaimers
4.1 This website may contain general information related to insurance products or services but does not constitute legal, financial, or insurance advice.
4.2 Information is provided “as is” and without warranties of any kind. We do not guarantee that the website will be error-free or uninterrupted.
5. Limitation of Liability
5.1 To the fullest extent permitted by law, the company shall not be liable for any indirect, incidental, or consequential damages arising from your use of the site.
5.2 This includes, but is not limited to, any reliance on information provided, loss of data, or website outages.
6. Privacy and Data Use
6.1 We collect and use personal information as described in our Privacy Policy.
6.2 By using the website, you consent to our collection and use of your information in accordance with applicable laws such as the CCPA or GDPR (if applicable).
7. Third-Party Links
7.1 This website may contain links to third-party websites. We are not responsible for the content, practices, or privacy policies of those websites.
7.2 Your use of third-party sites is at your own risk.
8. Modifications to Terms
8.1 We reserve the right to change these Terms and Conditions at any time. Changes will be effective upon posting.
8.2 Continued use of the website after changes take effect constitutes your acceptance of the updated terms.
9. Governing Law
9.1 These Terms are governed by the laws of the State of California, United States of America.
9.2 Any disputes shall be subject to the exclusive jurisdiction of the courts in that state.
10. Contact
10.1 If you have any questions about these Terms and Conditions, please contact us using the details provided on the site.
