Welcome to Insurance by TL. These Terms of Service (“Terms”) govern your use of our website and services. By accessing or using Insurance by TL, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website or services.
1. Introduction
Insurance by TL provides general information about insurance across the world. Our goal is to help users understand various types of insurance and make informed decisions. The content on our website is for informational purposes only and does not constitute professional advice.
2. Use of Our Website
By using our website, you agree to:
- Acceptable Use: Use the website only for lawful purposes and in accordance with these Terms. You must not use the website in any way that could damage, disable, overburden, or impair our servers or networks.
- Prohibited Activities: You must not engage in any activity that interferes with or disrupts the website or its services, including hacking, spamming, or distributing malware. You must not use the website to collect personal information of other users without their consent.
- Accuracy of Information: Ensure that any information you provide to us is accurate, complete, and up-to-date. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
3. Intellectual Property
All content on Insurance by TL, including text, graphics, logos, images, and software, is the property of Insurance by TL or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may use the content for personal, non-commercial purposes only. Any unauthorized use of the content is strictly prohibited.
4. User Contributions
You may have the opportunity to submit content, such as comments, reviews, or feedback, to our website. By submitting content, you grant Insurance by TL a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such content worldwide in any media.
You represent and warrant that:
- Ownership: You own or have the necessary rights to submit the content and grant the licenses described above.
- Accuracy: Your content is accurate and does not violate any laws or infringe the rights of any third party.
- No Harmful Content: Your content does not contain any harmful or malicious code, viruses, or other harmful software.
5. Disclaimers
The information provided on Insurance by TL is for general informational purposes only. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.
- No Professional Advice: The content on our website does not constitute professional advice and should not be used as a substitute for consultation with a qualified insurance professional.
- No Warranties: The website and its content are provided “as is” and “as available” without any warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or availability.
6. Limitation of Liability
To the fullest extent permitted by law, Insurance by TL and its affiliates, directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Use of the Website: Your use of or inability to use the website.
- Content Errors: Any errors or omissions in the content.
- Unauthorized Access: Any unauthorized access to or use of our servers and/or any personal information stored therein.
7. Indemnification
You agree to indemnify, defend, and hold harmless Insurance by TL, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with:
- Your Use: Your access to or use of the website.
- Violation of Terms: Your violation of these Terms.
- User Content: Your submission of any content to the website.
8. Termination
We reserve the right to terminate or suspend your access to the website, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the website will immediately cease.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Insurance by TL operates, without regard to its conflict of law principles. You agree to submit to the personal jurisdiction of the courts located in that jurisdiction for the resolution of any disputes arising out of or relating to these Terms or your use of the website.
10. Changes to Terms
We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website and updating the effective date at the top of this page. Your continued use of the website after any changes indicates your acceptance of the new Terms.
11. Contact Us
If you have any questions, concerns, or comments about these Terms, please contact us at:
- Email: techlimbs[at]gmail.com
Thank you for using Insurance by TL. We are committed to providing you with valuable information and a positive user experience.
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