These Terms of Service govern your access to and use of our website, services, and applications. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these terms and our Privacy Policy. If you do not agree to these terms, you may not access or use our services. We encourage you to read this document carefully before proceeding.
We reserve the right to modify these terms at any time without prior notice. Your continued use of our services after any changes constitutes acceptance of the modified terms. We will post the updated terms on our website and update the effective date accordingly. It is your responsibility to review these terms periodically.
To use our services, you must be at least 18 years of age and a resident of the United States. By using our services, you represent and warrant that you meet these eligibility requirements. If you are using our services on behalf of an organization, you represent that you have the authority to bind that organization to these terms.
Certain features of our services require you to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary to maintain its accuracy. 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 access to or use of your account.
You agree to use our services only for lawful purposes and in accordance with these terms. You agree not to use our services in any way that violates applicable laws or regulations, infringes on the rights of others, or interferes with the proper functioning of our services. You further agree not to attempt to gain unauthorized access to our systems or networks.
Our services facilitate the purchase of home insurance policies. The actual insurance coverage is provided by licensed insurance carriers with whom we work. We act as an intermediary to help connect you with appropriate coverage options based on the information you provide. All insurance policies are subject to the terms, conditions, and exclusions set forth in the policy documents issued by the carrier. We encourage you to carefully review all policy documents before purchasing coverage.
You agree to provide accurate and complete information when requesting quotes, purchasing policies, or filing claims. Providing false, misleading, or incomplete information may result in denial of coverage, policy cancellation, claim denial, or other consequences. We rely on the accuracy of the information you provide to serve you effectively.
By purchasing insurance through our services, you agree to pay all applicable premiums, fees, and charges. Payment terms are specified during the purchase process and in your policy documents. Failure to make timely payments may result in policy cancellation or lapse of coverage. We are not responsible for any losses, damages, or liabilities resulting from policy cancellation due to non-payment of premiums.
All content on our website, including text, graphics, logos, images, and software, is the property of wtginsurance. or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our prior written consent.
Our services are provided on an as-is and as-available basis. We make no warranties, express or implied, regarding the reliability, accuracy, completeness, or availability of our services. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or secure.
To the maximum extent permitted by applicable law, wtginsurance. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, regardless of the cause of action or the theory of liability. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis. Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us in the twelve months preceding the claim.
You agree to indemnify and hold harmless wtginsurance., its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another party. This indemnification obligation will survive the termination of your relationship with us.
Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New Jersey, and the decision of the arbitrator shall be final and binding on all parties. You agree to waive your right to participate in any class action lawsuit or class-wide arbitration against us.
These terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. If any provision of these terms is found to be unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
If you have any questions about these Terms of Service, please contact us at [email protected] or by mail at 420 Mountain Avenue, New Providence, NJ 07974. We are committed to addressing your questions and concerns in a timely manner.