National Producer Number #20574046

Terms of Service

These Terms govern the use of this Website, and any other related agreement or legal relationship with the Owner

in a legally binding way. Capitalized words are defined in the relevant dedicated section of this document.

The User must read this document carefully.

Introduction and Acceptance of Terms

Welcome! By using this website ("Website") and its services ("Service"), you ("User" or "you") agree to these Terms of Service ("Terms"). If you disagree with any part of these Terms, please do not use this Website.

User Eligibility

This Website and Service are intended for Consumers only.

You must be of legal age in your jurisdiction to use this Website and Service.

You must not be located in a country subject to U.S. Government embargo or designated as a "terrorist-supporting" country.

You must not be listed on any U.S. Government list of prohibited or restricted parties.

Content Ownership and Usage

All content on this Website is owned or licensed by us, unless explicitly stated otherwise.

We strive for accuracy but cannot guarantee all content is error-free.

You may not copy, modify, distribute, or create derivative works from our content without our express permission, except for personal, non-commercial use where explicitly allowed.

You may download or share content for personal, non-commercial use, provided you retain all copyright and ownership notices.

External Resources

This Website may link to third-party resources. We are not responsible for their content or availability.

Third-party resources are governed by their own terms and conditions.

Acceptable Use

Use this Website and Service only as intended and in compliance with these Terms and applicable laws.

You are responsible for your use of this Website and Service.

We may take action to protect our interests, including restricting access, terminating accounts, and reporting unlawful activity.

Disclaimer of Warranties (US Users)

This Website and Service are provided "as is" and "as available."

We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be error-free, uninterrupted, or secure.

We are not responsible for third-party products or services advertised on this Website.

Your use of the service is at your own risk.

Limitation of Liability (US Users)

We are not liable for any indirect, incidental, consequential, or punitive damages.

Our liability is limited to the amount you paid to us in the preceding 12 months.

We are not responsible for damages resulting from unauthorized access, errors, or third-party conduct.

Indemnification (US Users)

You agree to indemnify us from any claims arising from your use of this Website, violation of these Terms, or infringement of third-party rights.

General Provisions

Our failure to enforce any provision does not waive our rights.

We may interrupt the Service for maintenance or updates.

We may terminate the Service, in which case we will assist with data retrieval where possible.

We are not responsible for events beyond our control (force majeure).

You may not resell the Service without our permission.

Our Privacy Policy governs the use of your personal data.

We own or license all intellectual property on this Website.

We may modify these Terms at any time, with notice to you.

You may not assign your rights or obligations under these Terms.

If any provision is invalid, the remaining provisions remain in effect.

These Terms constitute the entire agreement between us.

These terms are governed by the laws of the United States.

Any legal actions will be held in the location of the owner.

Class action waivers and jury trial waivers are included for users in the United States.

Certain provisions such as Indemnification, liability limitations, and warranties will survive termination of the service.