Terms And Conditions

Effective from 1st Feb 2022

This Terms and Conditions (“Terms”) governs your access and use of the websites and services operated by texaslifeinsurance.co, a Texas Insurance firm (“texaslifeinsurance.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. As outlined below, we reserve the right to amend these policies at any time, with or without notice. These rights extend to use, license, or remove content provided by our authors, users, and third parties.

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.

In order to better serve visitors and/or provide personalized content, this website uses cookies to store information about visitors' preferences and histories.

Cookies, scripts, and/or web beacons may also be used by advertising partners and other third parties to track visitors to our website 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.

You can disable cookies in your browser settings if you are concerned about privacy. However, disabling cookies for all websites may cause some websites to malfunction. The best option is to disable or enable cookies on a per-site basis. Using your browser documentation, you can learn how to block cookies and other tracking mechanisms on a per-site basis.

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

User Acknowledgements

You are not required to pay a fee to use texaslifeinsurance.com websites or services. Other service providers may pay us to match users with their services. We do not participate in any fee arrangements you may enter into with any service provider, even those reaching out from hyperlinks or contacts initiated on our website.

You agree to be bound by this compensation arrangement. Except where prohibited by law, we are not liable for any losses, costs, damages, or claims relating to, arising from, or related to your use of a service provider's products or services, including any fees charged by such providers.

Third Parties

Our website provides tools for obtaining quotes, estimates, and information provided by third-party service providers and we are not responsible for the availability of these service providers or their offerings, including any products or services you may obtain by contacting them.

We make no guarantees regarding the services, quotes, fees, or estimates offered or made available by Service Providers. As a service user, you acknowledge and agree that service providers are solely responsible for any products or services they 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 the use of a Service.

In light of the fact that our site is independent and educational, you may not find all the product-specific information you need on our site. A licensed professional should be consulted before purchasing an insurance policy to confirm coverage and rates and to verify the insurance requirements for your state as well as the lien-holder on your vehicle or property.

Intellectual Property

'It is a general rule that all logos, trademarks, and other proprietary marks (hereinafter, "Content") are protected by trademark, copyright, and patent laws, as well as other IP laws and international treaties. All Content belongs to its respective owners, neither the company, association, nor has the state or federal agency provided, commissioned, or authorized any of the Content on this site.

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 over the website. If you submit comments, suggestions, ratings, or other feedback, you agree that we may use such feedback for any purpose without restriction or obligation to you. This website grants you permission to use the information on or via the website for your own personal, non-commercial use, provided that no content is modified and any legal legends are preserved.

The opinions expressed in this document are those of the authors. They do not represent the opinions or views of any licensed insurance company, agent, or anyone else.

Restrictions of Use

The site shall not be exploited or interfered with in any unauthorized or unlawful manner, including, but not limited to, trespassing or burdening the network infrastructure. Renting, lending, leasing, selling, reproducing, licensing, and sub-licensing the website is not permitted, nor are copies, reverse engineering, and creation of derivative works of the website or any part thereof permitted. Unless such restrictions are prohibited by applicable agreements or laws, the activities are only permitted to the extent necessary to comply with such laws or agreements.

Availability and Limitations

This website is operated in United States, and the site or some aspects thereof may not be available in all languages or other countries. We make no claim that the website is available or permitted in any specific location. Use of the website is prohibited wherever prohibited. You must comply with any laws that may apply to your use of the website.

Disclaimers of Warranties and Limitation of Liability

Unless otherwise stated, this website and its content are provided to you on an "as is" and "as available" basis. All conditions, representations, and, warranties, whether express, implied, statutory, or otherwise, are hereby disclaimed. All implied warranties, including the warranties of fitness for a particular purpose, merchantability, and rights of third parties.

The use of the website and all its products and services is at your own 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, Texaslifeinsurance.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

By updating and posting a new version of the Terms and Conditions on the website, or 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 time that you use the website.

Miscellaneous

In no way do the headings in the sections represent the content contained within them. Headings have no legal significance and are only for reference.

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. If this contract is enforced or interpreted in court, a prevailing party will receive reasonable attorneys' fees and costs.

Any provision of these terms and conditions that is invalid or unenforceable will not affect the validity of these terms and conditions as a whole. If necessary, any and all provisions of these terms and conditions will be enforced and reconstructed in a way that best reflects their intended effect to the maximum extent permitted by applicable law.

Your use of the website constitutes an agreement that cannot be modified, supplemented, qualified, or interpreted based on a previous course of dealing or trade usage that isn't explicitly included in the terms and conditions. By failing to enforce at any time any of the provisions contained herein, to exercise any option or election herein provided, or by failing to demand at any time the performance by the other of any of these provisions, neither party shall be considered to have waived that right in any way.


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