Terms and Conditions
1. Introduction
Welcome to group-insurance-guide.com. These Terms and Conditions (“Terms”) govern your access to and use of our website, services, and content. By accessing or using group-insurance-guide.com, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should discontinue use of the website.
2. Definitions
For the purpose of these Terms:
– “Service” refers to the information, resources, content, and tools provided through group-insurance-guide.com.
– “User” refers to any natural or legal person who accesses or uses the Service.
– “Content” means all text, graphics, images, audio, video, information, and other material available through the Service.
– “Account” refers to a registered user profile, if applicable, associated with a User for accessing certain features of the Service.
3. Acceptance of Terms
By using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that entity to these Terms.
4. Changes to Terms
We reserve the right to modify these Terms at any time. Any revisions will be posted on group-insurance-guide.com, and continued use of the Service following any updates signifies acceptance of the revised Terms. It is your responsibility to review the Terms periodically.
5. Use of Services
Eligibility
You must be at least 18 years of age or the legal age of majority in your jurisdiction to use our Service. By using the Service, you represent that you meet this requirement.
Account
Certain features of the Service may require you to create an Account. You are responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account. You agree to notify us immediately of any unauthorized use of your Account.
Prohibited Activities
You agree to use the Service only for lawful purposes. You may not:
– Use the Service in any way that violates applicable laws or regulations.
– Interfere with or disrupt the security or performance of the Service.
– Upload or transmit malicious code, viruses, or harmful content.
– Access or attempt to access other users’ data without authorization.
– Use automated means (e.g., bots or scrapers) to access the Service.
6. Intellectual Property
All Content and features available on group-insurance-guide.com are the intellectual property of group-insurance-guide.com and its licensors. You may not reproduce, modify, distribute, or exploit any Content for commercial purposes without our express written permission.
7. User-Generated Content
If you submit any content to the website, including comments, feedback, or other materials, you grant group-insurance-guide.com a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, adapt, and distribute such content. You represent that you have all necessary rights to grant this license and that your content does not infringe on the rights of any third party.
8. Privacy Policy
Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please refer to the Privacy Policy available on group-insurance-guide.com for more details.
9. Third-Party Services
The Service may include links to or integrations with third-party websites, services, or content for the convenience of our users. group-insurance-guide.com does not endorse or assume responsibility for any third-party content or services. Your use of such third-party services is at your own risk and governed by the terms and policies of the respective providers.
10. Disclaimers and Liability
The Service is provided “as is” and “as available” without warranties of any kind, either express or implied. group-insurance-guide.com disclaims all warranties, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
We do not guarantee the accuracy, completeness, or reliability of any content available through the Service. To the maximum extent permitted by law, group-insurance-guide.com shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Service.
11. Indemnification
You agree to indemnify, defend, and hold harmless group-insurance-guide.com and its affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in any way connected with your use of the Service, your violation of these Terms, or your infringement of any rights of another.
12. Termination
We reserve the right to suspend or terminate your access to the Service at our sole discretion, without notice, for any reason, including a violation of these Terms. Upon termination, your right to use the Service will immediately cease, and any data associated with your Account may be deleted.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which group-insurance-guide.com operates, without regard to its conflict of laws principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.
14. Miscellaneous
Entire Agreement
These Terms constitute the entire agreement between you and group-insurance-guide.com concerning your use of the Service and supersede any prior agreements or understandings.
Severability
If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions shall remain in full force and effect.
Waiver
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, and the failure of group-insurance-guide.com to assert any right under these Terms shall not constitute a waiver of such right.
15. Contact Info
For questions about these Terms, contact us at [email protected].