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This Terms and Conditions (“Terms”) governs your access and use of the websites and services operated by TopQuoteLifeInsurance.com, a Florida corporation (“TopQuoteLifeInsurance.com,” “our,” “us,” or “we”). By accessing or using our site, you agree to abide by the terms and conditions below as well as the privacy policy (found here) and other policies included therein. We reserve the right to amend these policies at any time, with or without notice. These rights extend to use, license, or removal of content provided by our authors, users, and third parties as outlined below.

Privacy

All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps, and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.

Where necessary, this website uses cookies to store information about a visitor’s preferences and history in order to better serve the visitor and/or present the visitor with customized content.

Advertising partners and other third parties may also use cookies, scripts, and/or web beacons to track visitors to our site in order to display advertisements and other useful information. Such tracking is done directly by the third parties through their own servers and is subject to their own privacy policies.

Note that you can change your browser settings to disable cookies if you have privacy concerns. Disabling cookies for all sites is not recommended as it may interfere with your use of some sites. The best option is to disable or enable cookies on a per-site basis. Consult your browser documentation for instructions on how to block cookies and other tracking mechanisms.

Concerns or questions about our policies concerning your privacy can be directed to us through our Contact Us page.

User Acknowledgements

There is no charge to use TopQuoteLifeInsurance.com websites or services. Other service providers may compensate us for services and to be matched with users, however. We are not a participant in any fee arrangement that you may enter into with any service provider, even those reached from hyperlinks or contacts initiated on our website.

You acknowledge and agree to this compensation arrangement. Except where prohibited by law, we will not be liable for any losses, costs, damages, or claims in connection with, arising from or related to your use of a service provider’s products or services, including any fees charged.

Third Parties

We provide tools for quotes, estimates, and information provided by third-party service partners and are not responsible for either the availability of these service providers or their offerings, including for any products or services you may obtain by contacting any of them as a result of your use of the website or the features hereof.

We make no guarantees regarding the services, quotes, fees, or estimates offered or made available by Service Providers. You acknowledge and agree that service providers are solely responsible for any products or services that they may offer or provide to you and that we shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services.

Our site is independent and educational. As such, the specific and unique requirements of each user for insurance or any other products may not be perfectly reflected in the content of our site. Before obtaining a policy, always contact a licensed professional to confirm coverages and rates and confirm the insurance requirements of your state as well as any lien-holder on your vehicle or property.

Intellectual Property

All logos, trademarks, and other proprietary marks (“Content”) are protected by United States trademark, copyright, and patent laws, other intellectual property rights, and unfair competition laws as well as international treaties without exception. The Content belongs to its respective owners, and use on the site does not reflect an association or recommendation by any party. This Content is not provided or commissioned by any company, association, or state or federal agency.

Except as expressly stated herein, no part of the website or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, to any other computer, server, website or other media for publication or distribution or any commercial enterprise, without prior written permission. Nothing on the websites should be construed as granting any license or right to use any Content.

We reserve all rights in and to the website. If you submit comments, suggestions, ratings, or other feedback, you agree that we will be free to use such feedback for any purpose and without restriction or obligation to you. You are granted permission to use the information provided to you on or via the website solely for your own personal, non-commercial use, provided that none of the content is modified and that any legal legends are retained.

The opinions expressed herein are those of the authors. They do not purport to reflect the opinions or views of any licensed insurance company, agent, or anyone other than the author.

Restrictions of Use

You may not exploit or interfere with the website in any unauthorized or unlawful way whatsoever, including, but not limited to, burdening or trespassing on the network infrastructure. You may not rent, lend, lease, sell, reproduce, license, or sublicense the website, nor may you copy, reverse-engineer, or create derivative works of the website or any part thereof. If these restrictions are prohibited by applicable agreement or law, the activities are permitted only to the extent necessary to comply with such laws or agreements.

Availability and Limitations

This website is operated out of the United States, and the site or some aspects thereof may not be available in all languages or in all countries. We make no representation that the website is available or permitted in any particular location. The use of the website is void where prohibited. You use the website at your own initiative and are responsible for compliance with any applicable laws. We may also impose limits on the use or access to the website as required by law.

Disclaimers of Warranties and Limitation of Liability

The website and its content are provided to you strictly on an “as is” and “as available” basis. All conditions, representations and, warranties, whether express, implied, statutory, or otherwise are hereby disclaimed to the maximum extent permitted by applicable law. This includes, without limitation, any warranties of fitness for a particular purpose, any implied warranties of merchantability, and any warranties on the rights of third-parties.

You expressly agree that your use of the website and all products and services included on or associated with the site is at your sole discretion and risk.

In no event shall we be liable to you or any third party, whether in contract, tort, warranty, reliance, or otherwise, for any indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit(s), arising from your use of the website, even if it has been advised of the possibility of such damages.

To the extent permitted by applicable law, TopQuoteLifeInsurance.com limits liability to you at all times for any cause whatsoever and regardless of the form of the action, to the amount paid to us by you for the use of the website.

Modifications

We may modify these Terms by updating and posting a new version of the Terms and Conditions on the website or by otherwise notifying you of the revised Terms. You agree to be bound by the terms and conditions of the version of these Terms that is in force during any use of the website subsequent to the modifications.

Miscellaneous

Section headings are provided for ease of reference only and in no way purport to fully represent the content contained in the respective sections. Headings are for organizational purposes only and have no binding or legal characteristics.

Any claim or dispute between us must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. Reasonable attorneys’ fees and costs will be awarded to the prevailing party in the event of litigation involving the enforcement or interpretation of these terms and conditions.

The validity of these terms and conditions as a whole shall not be impaired by the invalidity or unenforceability of any provision contained herein. All provisions shall be enforced and reconstructed if need be in a way that best embodies the intent of these terms and conditions to apply to the maximum extent allowable under applicable law.

The agreement entered into by your use of the website may not be modified, supplemented, qualified, or interpreted by any trade usage or prior course of dealing not made a part of the terms and conditions by their express terms. The failure by either party to enforce at any time any of the provisions contained herein, to exercise any election or option provided herein, or to require at any time the performance of the other of any of the provisions herein will not in any way be construed as a waiver of such provisions.

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