Terms of Service

Last updated: December 2024

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the SmartCoverageCenter website located at smartcoveragecenter.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Site.

Educational Purpose Only

The content provided on SmartCoverageCenter is for general educational and informational purposes only. It is not intended to be and should not be construed as:

  • Professional insurance advice
  • Legal advice
  • Financial advice
  • A recommendation to purchase any particular insurance product

SmartCoverageCenter is not an insurance company, insurance agency, or insurance broker. We do not sell insurance policies, provide insurance quotes, or receive commissions from insurance companies.

No Professional Relationship

Your use of this Site does not create any professional relationship between you and SmartCoverageCenter. The information provided should not be relied upon as a substitute for consultation with qualified insurance professionals, licensed agents, attorneys, or financial advisors.

Always consult with appropriate professionals before making insurance decisions. Your individual circumstances may require personalized advice that our general educational content cannot provide.

Accuracy of Information

We strive to provide accurate and up-to-date information on our Site. However, the insurance industry is subject to frequent changes in regulations, products, and market conditions. We make no warranties or representations about:

  • The completeness or accuracy of any information on the Site
  • The applicability of information to your specific situation
  • The continued accuracy of information over time

Insurance laws, regulations, and practices vary by state and may change. Information that is accurate at the time of publication may become outdated. You are responsible for verifying any information before relying on it.

Intellectual Property

The Site and its original content, features, and functionality are owned by SmartCoverageCenter and are protected by copyright, trademark, and other intellectual property laws.

You may access and read the content on our Site for personal, non-commercial use. You may not:

  • Copy, reproduce, or distribute our content without permission
  • Modify, adapt, or create derivative works from our content
  • Use our content for commercial purposes without authorization
  • Remove any copyright or proprietary notices from our content

User Submissions

If you submit content to us through contact forms, comments, or other means, you grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and display such content in connection with our Site and business.

You represent that you own or have the right to submit any content you provide and that such content does not violate any third-party rights or applicable laws.

Prohibited Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Site
  • Interfere with or disrupt the Site or servers
  • Transmit viruses, malware, or other harmful code
  • Collect personal information from other users
  • Use automated systems to access the Site without permission

Third-Party Links

Our Site may contain links to third-party websites or services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Linking to these sites does not imply endorsement.

Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SMARTCOVERAGECENTER 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:

  • YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE
  • ANY CONTENT OBTAINED FROM THE SITE
  • UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

Indemnification

You agree to indemnify and hold harmless SmartCoverageCenter, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Site or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

If you have questions about these Terms, please contact us at:

Email: contact@smartcoveragecenter.com