Terms of Service for US Insurance Advisor
Effective Date: [Insert Date]
Welcome to US Insurance Advisor! These Terms of Service (“Terms”) govern your access to and use of our website, https://usinsuranceadvisor.com/ (the “Site”), and any services, content, or applications offered through the Site (collectively, the “Services”). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
1. Acceptance of Terms
By using our Site, you affirm that you are at least 18 years old or the age of majority in your jurisdiction and that you have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Changes to Terms
We may modify these Terms from time to time. If we make material changes, we will notify you by revising the effective date at the top of these Terms or by providing other notice as required by law. Your continued use of the Services after any changes constitute your acceptance of the new Terms.
3. Privacy Policy
Your use of our Site is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. Please review our Privacy Policy to understand our practices.
4. Use of the Site and Services
4.1 Eligibility
You must be at least 18 years old to use our Services. By using the Site, you represent that you meet this requirement.
4.2 Account Creation
To access certain features of our Services, you may be required to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
4.3 Prohibited Activities
You agree not to engage in any of the following prohibited activities:
- Violating any applicable laws or regulations.
- Using the Site for any fraudulent or harmful purpose.
- Attempting to gain unauthorized access to our Services or other users’ accounts.
- Transmitting any malware, viruses, or harmful code.
- Interfering with or disrupting the security, integrity, or performance of our Services.
- Impersonating any person or entity or misrepresenting your affiliation with any person or entity.
5. Content
5.1 User Content
You may have the opportunity to submit or post content to our Site (“User Content”). You retain ownership of your User Content but grant us a non-exclusive, worldwide, royalty-free, and transferable license to use, reproduce, modify, publish, and distribute your User Content in connection with the Services.
You represent and warrant that:
- You own or have the necessary rights to the User Content.
- Your User Content does not infringe or violate any third-party rights, including intellectual property rights, privacy rights, or publicity rights.
5.2 Our Content
The Site and Services may contain content owned by us or licensed to us, including text, graphics, logos, and other materials (“Our Content”). Our Content is protected by intellectual property laws, and you may not use, reproduce, distribute, or create derivative works from Our Content without our express written permission.
6. Intellectual Property
All intellectual property rights in the Site and Services, including but not limited to copyrights, trademarks, and trade secrets, are owned by us or our licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the Site and Services for personal, non-commercial purposes. You may not copy, modify, distribute, or create derivative works based on the Site or Services without our prior written consent.
7. Third-Party Links and Services
Our Site may contain links to third-party websites or services that are not owned or controlled by us. We do not endorse or assume any responsibility for any third-party websites, information, materials, products, or services. If you access a third-party website, you do so at your own risk, and you should review the terms and privacy policies of any third-party sites you visit.
8. Disclaimers
The Services are provided on an “as-is” and “as-available” basis, without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site is free of viruses or other harmful components. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of Liability
To the maximum extent permitted by law, US Insurance Advisor and its affiliates, licensors, and service providers shall not be liable for any indirect, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, the Site or Services. Our total liability to you for all claims arising out of or relating to these Terms or your use of the Services shall not exceed the amount you paid, if any, for the Services in the twelve (12) months preceding the event giving rise to the liability.
10. Indemnification
You agree to indemnify, defend, and hold harmless US Insurance Advisor and its affiliates, licensors, and service providers from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney’s fees) arising out of or relating to your violation of these Terms or your use of the Site or Services.
11. Termination
We may terminate or suspend your access to the Site or Services at our sole discretion, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Services will immediately cease.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the [Your State/Country], without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the courts located within [Your Jurisdiction] for the resolution of any disputes.
13. Dispute Resolution
13.1 Informal Resolution
Before bringing any formal legal action, you agree to attempt to resolve the dispute informally by contacting us at [Your Contact Information].
13.2 Arbitration
If we cannot resolve the dispute informally, you agree that any claim or controversy arising out of or relating to these Terms or your use of the Services shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in [Your City, State], and judgment on the arbitration award may be entered in any court having jurisdiction. You waive any right to a jury trial or to participate in a class action.
14. Miscellaneous
14.1 Entire Agreement
These Terms constitute the entire agreement between you and US Insurance Advisor regarding your use of the Site and Services and supersede any prior agreements.
14.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14.3 Waiver
No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term.
14.4 Assignment
You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign or transfer these Terms at our discretion without restriction.
15. Contact Us
If you have any questions about these Terms, please contact us at:
US Insurance Advisor
[Your Address]
[Your Email Address]
[Your Phone Number]