Terms Of Use

Last updated: July 31, 2025
Effective as of: July 31, 2025

1. Agreement to Terms

By accessing or using [generalliabilityinsuranceus.com] (“Site”), you agree to these Terms of Use (“Terms”). If you do not agree, you must stop using the Site immediately. The Terms, our [Privacy Policy], and any other policies referenced herein form the legally binding agreement between you and us.

2. Changes to Terms

We may modify these Terms at any time. Significant changes will be communicated via email or notices on our Site. Continued use after changes indicates your acceptance of the updated Terms.

3. Use of the Site

You may only use the Site for lawful purposes and in accordance with these Terms. Prohibited activities include but are not limited to:

• Violating any applicable laws or regulations

• Scraping, spamming, hacking, distributing malware, or interfering with Site operation

• Misrepresenting affiliation or identity

• Posting deceptive, defamatory, violent, or infringing content.

4. Intellectual Property

All content on the Site—text, images, logos, and designs—is owned by us or licensed to us. You may not copy, reproduce, distribute, or create derivative works without our express permission. We reserve all rights not expressly granted.

5. User Contributions

If you submit content (e.g., comments, feedback), you grant us a worldwide, perpetual, irrevocable license to use, reproduce, distribute, and modify such content. You warrant that you own all rights to your submissions and that they comply with these Terms.

6. Insurance Information Disclaimer

Information on the Site (including estimated premiums, coverages, terms) is for general informational purposes only. It does not constitute a quote or binding insurance policy. Actual coverage, cost, and availability depend on eligibility, underwriting, and state regulations.

7. No Professional Advice

The Site content is not a substitute for professional legal, tax, or insurance advice. Consult with qualified professionals regarding your specific circumstances. We do not guarantee that the information presented is accurate, complete, or up-to-date.

8. Limitation of Liability

To the fullest extent permitted by law, we (and our affiliates, directors, employees, or licensors) are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site. Our total liability is limited to actual damages up to US $100.

9. Indemnification

You agree to indemnify and hold harmless our company and affiliates from any claim, loss, liability, or expense (including attorneys’ fees) arising from your use of the Site or breach of these Terms.

10. Third‑Party Links

The Site may contain links to third‑party websites or resources. We do not endorse these and are not responsible for their content or practices.

11. Termination

We may suspend or terminate your access to the Site at any time, with or without cause or notice. These Terms will continue to apply even after termination.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of U.S.A., without regard to conflict‑of‑law principles. Any disputes shall be resolved in the state or federal courts.

13. Miscellaneous

• Severability: If any provision is found invalid, the rest remain in effect.

• Entire Agreement: These Terms constitute the entire agreement between you and us regarding use of the Site.

• No Waiver: Our failure to enforce any provision does not waive our right to do so later.

14. Contact Us

For questions or concerns, please contact us at:
Email: [email protected]