Welcome to our website! Please carefully review these Terms and Conditions before using our site. By accessing or using the services we provide, you agree to abide by these terms. If you do not agree with any part of these terms, please discontinue use of the site.

 

1. Acceptance of Terms

These Terms govern your access to and use of our website and services (referred to as "Services"). By using our site, you confirm that you are at least 18 years old and agree to comply with these terms. If you disagree with any part of the terms, please stop using our site and Services immediately.

We may revise these Terms from time to time, and changes will become effective upon posting. Continued use of the site after changes signifies acceptance of the revised terms. Please check back periodically for updates.

 

2. Services Overview

Our website offers educational resources, general information, and access to third-party services, including insurance products, brokers, and carriers. As a licensed insurance agency, we also provide quoting, brokering, and transaction services for both first- and third-party insurance products.

Quotes shared via our site or over the phone are for informational purposes only and do not constitute binding offers. Final premiums are determined by the underwriting insurance company. Insurance availability and coverage limits may vary based on location and personal circumstances, with some limits mandated by law.

Some Services may require you to agree to additional terms with us or third parties. In case of conflict between these Terms and the terms of an insurance policy, the policy's terms will take precedence.

 

3. User Conduct

You agree to use our site lawfully and refrain from activities that violate these Terms. Prohibited behaviors include, but are not limited to:

• Engaging in unlawful activities
• Transmitting malicious code (e.g., viruses)
• Harassing or intimidating others
• Sending unsolicited emails (spam)
• Reverse engineering or tampering with the site
• Overloading the site with automated requests beyond reasonable use

We reserve the right to limit or terminate access to the site if you violate these Terms.

 

4. Intellectual Property

All content on our site, including text, images, and trademarks, is owned by us or our licensors. You may not copy, distribute, modify, or use any of this content for commercial purposes without our prior written consent. Unauthorized use may lead to legal action.

 

5. Submission of Information

Any unsolicited ideas, suggestions, or materials submitted to our site ("Unsolicited Information") become our property. By submitting such content, you grant us the right to reproduce, publish, and use it for commercial purposes without any limitations or compensation.

 

6. Data Collection & Privacy

Your use of our Services may involve the collection of personal data. Please refer to our Privacy Policy to understand how we collect, use, and protect your information. By continuing to use our site, you acknowledge and accept our privacy practices.

 

7. Disclaimer of Warranties

Our site, including all content and services, is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not guarantee that the site will be secure, error-free, or virus-free. Use of the site is at your own risk.

We make no guarantees regarding the third-party insurance products available through our site and disclaim any liability related to those products. Purchases of third-party products are subject to the terms and conditions of the respective provider.

 

8. Limitation of Liability

We are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the site or Services. This includes, but is not limited to, lost profits, data loss, or system damage, even if we were advised of the possibility of such damages.

Some jurisdictions may not allow limitations of liability, so our liability will be limited to the fullest extent allowed by law.

 

9. External Sites

Our site may include links to third-party websites for your convenience. We are not responsible for the content, practices, or privacy policies of these external sites. Accessing them is at your own risk. Additionally, any interactive features on our site (e.g., social media sharing) may be subject to the terms of the third-party platform.

 

10. Indemnification

You agree to indemnify and hold us, our affiliates, officers, and employees harmless from any claims, damages, or demands resulting from your breach of these Terms or your misuse of the site and Services.

 

11. Termination

We reserve the right to terminate your access to the site or Services at our discretion, without notice, for any reason. Upon termination, all provisions regarding intellectual property, indemnity, disclaimers, and limitations of liability will survive.

 

12. Governing Law & Disputes

These Terms are governed by the laws of the State of Washington, USA, without regard to conflict of law principles. Any disputes arising from these Terms will be resolved in the state or federal courts located in King County, Washington, and you agree to the exclusive jurisdiction of these courts.

 

13. Miscellaneous

If any part of these Terms is deemed invalid or unenforceable, the remaining provisions will continue to be effective. No waiver of any provision will be valid unless in writing and signed by us.

These Terms represent the entire agreement between you and us regarding the use of the site and Services, superseding any prior agreements.

For any questions or concerns about these Terms, feel free to contact us.