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Terms & Conditions

By using this website or engaging with any of the content hosted on this domain, the User is acknowledging that they intend to act in accordance with all listed standard procedures and established policies to uphold the Site's integrity. If the User is unable to adhere to the regulations imposed by the Site, it is suggested that the User does not engage with the Site or its materials any longer. It is important to the Site Owner that integrity of the Content is maintained, so Users are advised to follow the strict regulations accordingly.

The Terms serve as a legally binding agreement between Official-Coverage.com and the Site user. The Site's selected operator, as well as its affiliates, assigns, successors and agents will be represented using terms ranging from "we" and "our" to "Site operator" and "us".

Our Services:

This website serves as a forum to enable agents employed by insurance companies (and other entities in the like who are individually referred to as a "Provider") to sell products manufactured by the insurance company to customers that have submitted their Site application for the purposes of receiving insurance-related and other official quotes given by the Provider. Each potential customer is referred to as a "Prospect" and all consumers using the Site are considered "Users" for the platform. Therefore, such consumers will be referenced using "you" or "your".

If a potential customer or Prospect allows, we can obtain specified information (considered a "Lead) regarding a potential Prospect and offer purchase of said Lead to our Providers. The Site operator is not legally responsible for any quality assurance regarding the products' safety or grade (positioned for sale by the Provider). We are independent contractors and should be regarded as such. The Site Operator is not responsible for issuing any legally binding insurance contracts, not bind coverage. The Site Operate is released of any financial responsibility, including any degree of liability on the part of all Prospects and Providers. We are not sponsors or endorsers of any particular policies produced by any insurance Provider.

Our services do not the giving of any advice in regards to finances, legal, taxes, insurance, and the like. We are not able to provide any guarantee on behalf of the Providers as to whether the submitted application will be successful. For individuals seeking advice, whether private or related to policies, it is advised that you speak with a licensed professional. Any insurance packages that appear on the site are not for sale by the Site owner.

Personal Use:

Consumers are allowed to use the website free of charge. The consumer obtains a license from the Site owner for the purposes of using the Site and interacting with any of its "Content", ranging from images, photos, files, text maps and any other available materials. This license will enable the user to browse and access the content and if desired, contact the Site owner in regards to business. These transactions must adhere to the guidelines set forth in this policy.

Site Changes:

It is the decision of the Site owner to alter or eliminate any part of the Site at any given time, which can including its content, data and any general features. The Site owner also has the option to set stringent boundaries on the use of the Site's services. You may notice that certain elements and features of the Site are subject to abrupt change. We may also impose limits on certain services or features or restrict your access to any designated portion of the Site unbeknownst to you. The User must use the website being the Site without notice to you. We are released of any legal responsibility or liability for Users accessing and engaging with the Site.

Our Privacy Policy:

The User must be aware that with the submission of any business inquiries to the Site, the User is giving permission to the Site owner to incorporate the User's personal information as desired within our database. This can also imply that your browsing activity can be tracked and used for our intended purposes. If you should choose to do so, you may select the option to be excluded from being delivered any marketing materials via email from us or anyone professionally associated with our company. A thorough assessment of the above mentioned standards of policy will provide the details required by the User to better understand consumer activity. You may access an in depth briefing of the agreed upon terms in this partnership.

LIMITATION OF LIABILITY:

UNDER NO CIRCUMSTANCE SHALL ANY EMPLOYEE SERVING THE CLIENT BE LEGALLY RESPONSIBLE FOR ANY FINANCIAL DAMAGE OR LOSS OF PROPERTY, PROFITS OR ANY REVENUE ON BEHALF OF THE CONSUMER IN REGARDS TO THE FINAL OUTCOME OF A TRANSACTION BETWEEN TWO PARTIES. THE SITE USER IS COMPLETELY RESPONSIBLE FOR ANY DAMAGES WHICH MAY HAVE OCCURED TO THEIR PERSONAL DEVICES OR PERSONAL ACCOUNTS. EACH USER MUST CLAIM PERSONAL RESPONSIBILITY FOR THEIR PERSONAL OR WORK DEVICES TO REMAIN IN CONTROL OF TRANSACTIONS MADE BETWEEN THE TWO PARTIES.

THIS ALSO INCLUDES ANY AND ALL TRANSACTIONS BETWEEN YOU AND THE SITE OWNER THAT ARE FACILITATED BY THE CONSUMER'S USE OF THE SITE, WITHOUT ANY REGARD TO THE FAILED MENTION OF ANY POTENTIAL DAMAGE. THIS SET OF PROCEDURES AND POLICIES SHOULD BE READ THOROUGHLY AND USERS WHO ARE EXPERIENCING A DEGREE OF CONFUSION WITH THE ABOVE TERMS ARE HIGHLY ENCOURAGED TO SEEK OUTSIDE ASSISTANCE. WE, AS THE SITE OWNERS, WILL NOT CLAIM ANY RESPONSIBILITY FOR ANY MISHAPS WHICH RESULT IN REGARDS TO USE OF THE WEBSITE.

THESE STANDARDS APPLY WITHOUT EXCEPTION TO (i) BREACH OF CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT, (v) NEGLIGENCE, (vi) STATUTE, OR (vii) ANY OTHER CAUSE OF ACTION TO THE HIGHEST DEGREE. THE SITE OWNER'S LIABILITY TO THE CONSUMER IS LIMITED TO (a) ANY AMOUNT OF FEES TRANSFERRED TO US FROM THE USER WITHIN THE TIME FRAME OF THE MONTH DURING WHICH CLAIM(S) WERE MADE, AND (b) $200.00. ALL CAUSES OF ACTION ARE REQUIRED TO BEGIN WITHIN ONE (1) YEAR OF THE INITIAL CAUSE OR CLAIM OCCURS.

DISCLAIMER:

THIS WEBSITE, ENCOMPASSING ALL ITS MEDIA, SOFTWARE, MATERIALS, CONTENT, FUNCTIONS, SERVICES AND DISPLAYED INFORMATION IS TO BE CONSUMED "AS IS." THE SITE OWNER IS NOT AFFILIATED WITH ANY THIRD PARTY SERVICES THROUGH USE OF THE SITE, INCLUDING ANY FEATURED HYPERLINKS. INFORMATION BREACHING IS A SECURITY CIME AND WILL BE PUNISHED TO THE GREATEST EXTENT OF THE LAW. THERE IS NO GUARANTEE MADE BY THE SITE OWNER THAT THE CONTENT LIVE ON THE SITE WILL MEET ALL THE NEEDS OF THE USER, OR THAT WE WILL REVIEW AND FIX ANY ERRONEOUS INFORMATION. THE SITE OWNER IS ALSO RELEASED OF ALL RESPONSIBILITY IN THE CASE THAT THE USER DOWNLOADS A VIRUS TO THEIR COMPUTER BY USING THE SITE'S CONTENT AND SERVICES. USERS SHOULD NAVIGATE THE SITE USING THEIR OWN DISCRETION, AS THEY WILL BE SOLELY RESPONSIBLE FOR ANY CLAIMS OF HARM TO THEIR PERSONAL COMPUTER, OR THE WRONGFUL TRANSFER OF SENSITIVE INFORMATION. THE USER WILL NOT BE ABLE TO MAKE ANY CLAIMS REQUESTING A CHANGE IN POLICY, AS ALL WARRANTY STANDARDS ARE ESTABLISHED WITHIN THIS NOTICE OF REGULATIONS.

Release:

If the user engages in a legal dispute as the result of engaging with the Site (including but not limited to the Provider in regards to exchanges between both parties facilitated by the Site), you agree to release us, our directors, employees, agents, officers and shareholders from any legal responsibility.

Indemnity:

You acknowledge that in the case of any legal battle, you will release our employees and affiliates (this includes any individuals who serve as shareholders, directors, etc) of any responsibilities, costs, etc. (including compensation for any attorneys' services or payments made to the court). All our affiliates shall be deemed “Indemnified Parties.” If a claim based on the User's interaction with the site causes an erroneous transaction of any sort between you and agents representing the Provider, you must defend us as clear from any liability.

No Agency:

The nature of the interactions between the Provider, Company, and the User should be strictly that of a professional nature for an independent contractor relationship, excluding any agencies, partnerships, joint ventures, franchise-related relationships.

Amendments:

The Site owner has the authority to alter, eliminate or make changes to these Terms and Services as desired. Any announcement of direct changes to the Terms and Services will be visible on the Site and be effectively put into practice beginning immediately. By using the website after any published changes, you are agreeing to adhere to the standards and regulations set forth by these terms.

Links to Third-Party Sites:

The User may notice third party hyperlinks live on the Site itself. We cannot claim any responsibility for such external links, and are not sponsors nor propagators of the materials and information available on these external websites. This includes the release of any legal responsibility in regards to any material damage that results in relation to the circulating of products or services that are available on these third-party websites. These external resources are intended solely for informational purposes, not for any marketing affiliation.

Any invalid portions of the above rules and regulations cannot be used as evidence to argue the legitimacy of preceding and following published standards. Any other sections contained within this Terms and Services document will be deemed valid to enforce with the highest degree to the law.

Acknowledgement:

You confirm that you have thoroughly browsed and read the above Terms and Services and are in no way confused in regards ot the meaning of each standard or regulation put in place. You are acknowledging that these Terms are clear to comprehend for you, and that these Terms and Services also serve with the same degree of agency as any legally binding contract or agreement. The above Terms are applicable only to the two parties mentioned herewithin, and not any third party or external entity.

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