Terms & Conditions

Last updated: September 15, 2023

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The initial-letter capitalized words have defined meanings under the conditions listed below. The same definitions apply to singular and plural forms.

Definitions

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
• Country refers to Florida, United States.
• Company (referred to as either "the Company," "We," "Us," or "Our" in this Agreement) refers to Florida Insurance Guide, 12385 Sorrento Rd. Suite C-1, Pensacola, FL 32507.
• Device means any device that can access the Service, such as a computer, a cellphone, or a digital tablet.
• Service refers to the Website.
• Terms and Conditions (also referred to as "Terms") mean these Terms and Conditions that form the entire Agreement between You and the Company regarding the use of the Service.
• Third-party Social Media Service means any services or content (including data, information, products, or services) provided by a third-party that may be displayed, included, or made available by the Service.
• Website refers to Florida Insurance Guide, accessible from floridainsuranceguide.com
• You means the individual accessing or using the Service, or the Company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These Terms and Conditions establish the Agreement between You and the Company, outlining the rights and obligations of all users regarding the use of the Service.

Your Service use is subject to acceptance and compliance with these Terms and Conditions, which apply to all visitors and users.

By using the Service, You agree to these Terms and Conditions. If You disagree, You cannot access the Service.

You represent that You are over the age of 18. The Company does not permit those under 18 to use the Service.

You must agree to and follow the Company's Privacy Policy to use the Service. This policy outlines how We collect, use, and share Your personal information when You use the Application or the Website. It also explains Your privacy rights and how the law protects them.

Links to Other Websites

Our Service may provide links to websites or services not owned or controlled by the Company. The Company has no authority over these third-party websites or services' content, privacy policies, or practices.

The Company will not be held responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by using or relying on any content, goods, or services available on or through these websites or services. 

We urge You to carefully read the terms and conditions and privacy policies of any third-party website or service You visit.

Termination

We reserve the right to immediately terminate or suspend Your access to the Service without prior notice or liability, including if You breach these Terms and Conditions. Upon termination, Your right to use the Service will immediately cease.

Limitation of Liability

In the event of any damages You may suffer, the Company and its suppliers shall only be liable to the extent of the amount You paid through the Service or 100 USD if You did not make any purchases through the Service. This shall be Your sole remedy for any issues arising from these Terms.

The Company and its suppliers cannot be held responsible for any special, incidental, indirect, or consequential damages, as allowed by applicable law. This includes damages such as loss of profits, data or other information, business interruption, personal injury, or loss of privacy arising from the use or inability to use the Service, third-party software and/or hardware, or any provision of these Terms. Even if the Company or any supplier has been informed of the possibility of such damages, and even if the remedy fails to fulfill its essential purpose, the Company and its suppliers are not liable.

Certain states have laws that do not allow for implied warranties to be excluded or for liability to be limited in cases of incidental or consequential damages. As a result, some of the limitations mentioned earlier may not be applicable in these states. In these states, the liability of each party will be limited to the maximum extent allowed by law.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided to You "AS IS" and "AS AVAILABLE" with all faults and defects without warranty. To the maximum extent permitted under applicable law, the Company, on its behalf and on behalf of its Affiliates and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. 

Without limitation to the foregoing, the Company provides no warranty or undertaking. It makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems, or services, operate without interruption, meet any performance or reliability standards, or be error-free or that any errors or defects can or will be corrected.

Neither the Company nor any of its providers make any express or implied representation or warranty of any kind regarding:

1. The operation or availability of the Service, or the information, content, and materials or products included thereon.
2. That the Service will be uninterrupted or error-free.
3. The accuracy, reliability, or currency of any information or content provided through the Service.
4. The Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs, or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. However, if this scenario occurs, the exclusions and regulations in this section will apply to the fullest extent the law allows.

Governing Law

The Terms and Your use of the Service are governed by the Country's laws, excluding conflict of law rules. Other laws may also apply to Your use of the Application.

Disputes Resolution

If You have any concerns or disputes about the Service, You agree to attempt to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, You will benefit from any mandatory provisions of the law of the Country You reside in.

United States Legal Compliance

You represent and warrant that:

(i) You are not located in a country that is subject to the United States government embargo or that has been designated by the United States government as a "terrorist supporting" country

(ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

In the event that any part of these Terms is deemed unenforceable or invalid, it shall be modified and interpreted to achieve its intended purpose to the fullest extent permitted by law. The other provisions will remain in effect as usual.

Waiver

Except as provided herein, the failure to exercise a right or to require the performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time after that, nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on Our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We have the right to change or replace these Terms whenever we deem necessary. If we make significant changes, we will try Our best to give You at least 30 days' notice before the new terms take effect. We will determine what constitutes significant changes on Our own as a Company.

If You continue to access or use Our Service after the revisions take effect, You agree to be bound by the updated terms. If You do not agree to the new terms in whole or part, please discontinue using the Website and the Service.

Contact Us

If You have any questions about these Terms and Conditions, You can contact Us:

• By visiting this page on Our Website: floridainsuranceguide.com/contact