TERMS AND CONDITIONS OF USE
We at www.FreeSeniorQuotes.com (“FreeSeniorQuotes.com”, “we”, “us” or “our”) welcome you to our website (the “Site”). This document describes the terms and conditions of your use of the Site. By accessing or using the Site, you are acknowledging that you have read, understand and agree, without limitation or qualification, to be bound by these Terms & Conditions (the “Terms”).
www.FreeSeniorQuotes.com has been created to educate our clients about the insurance products we offer. It is also used for lead generation so that we can sell our products to new clients. We are not attorneys, financial advisers or planners.
It is YOUR responsibility to make sure that any products that you buy from us will not affect you in a negative way. We recommend that you seek the advice from a tax attorney to make sure that none of our products will create an unexpected tax liability for you. It is also our recommendation that you seek the advice of licensed estates planner to understand how our products might affect your estate.
Accuracy of Information
The information, materials and services offered on this Site are for general informational purposes only. We attempt to be as accurate as possible when describing our resources and services on the Site; however, we cannot guarantee that the content available on the Site, including without limitation the descriptions of the resources and services available on the Site, is accurate, complete, reliable, current or error-free.
We do not wish to receive, and reserve the right to reject, Submissions or other postings which contain:
- Private or personal information that might identify an individual (other than information in which you identify yourself);
- Profanity or obscenities;
- Personal attacks on other individuals;
- Slanderous, defamatory, obscene, pornographic, threatening or harassing comments; and/or
- Other information that we deem in our sole discretion to be inappropriate for the Site.
All content that we make available on the Site, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, software and the combinations thereof (the “Content”) is the property of www.FreeSeniorQuotes.com, our affiliates or our licencors, and may be protected by United States and international copyright laws. The trademarks, logos and service marks displayed by us on the Site (collectively, the “Trademarks”) are the registered and unregistered marks of www.FreeSeniorQuotes.com, our affiliates, our licencors or our partners in the United States and other countries. All other Trademarks not owned by us, our affiliates or our partners that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to or sponsored by us. Except for the limited purposes set forth below, or as permitted under applicable law, neither the Content, the Trademarks nor any other portion of the Site may be used, reproduced, duplicated, copied, sold, resold, accessed, modified or otherwise exploited, in full or in part, for any purpose without our prior written consent.
If you are aware of any pictures or other content which might be the property of someone else please write us at email@example.com so that we may have the opportunity to ask for permission to use them or remove them from our website.
www.FreeSeniorQuotes.com grants you a limited right to access and make personal use of the Site, including the right to print portions of the Site for your personal use. This limited right does not include the right to: (i) frame or utilize framing techniques to enclose the Site or any portion thereof without our prior written consent; (ii) modify or download the Site or its contents (except caching); (iii) make any use of the Site or its Content other than personal use; (iv) create any derivative work based upon either the Site or its Content; (v) collect account information for the benefit of another party; (vi) use any meta tags or any other “hidden text” utilizing our name or the Trademarks without our express written consent; or (vii) use software robots, spiders, crawlers or similar data gathering and extraction tools, or take any other action that may impose an unreasonable burden or load on our infrastructure. Any unauthorized use by you of the Site terminates your limited right to use Content without prejudice to any other remedy provided by applicable law.
Third Party Links
We are not responsible for the content of any non-www.FreeSeniorQuotes.com websites or web pages to which the Site links or is linked. Links appearing on the Site are for convenience only and are not an endorsement by us, our affiliates or our partners of the referenced content, product, service or supplier. Your linking to or from any of our websites or web pages is at your own risk. We are in no way responsible for examining or evaluating, and we do not warrant the offerings of other websites or web pages to which the Site links or is linked, nor do we assume any responsibility or liability for the actions, content, products or services of such sites and pages, including without limitation their privacy policies and Terms. You should carefully review the Terms and privacy policies of all other websites and web pages that you visit.
For any paid services purchased through a third party, all transactions are subject to the terms and conditions of those third parties
Representations and Warranties; Limitation of Liability
THE SITE IS PRESENTED “AS IS.” WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THESE TERMS AND CONDITIONS OR THE SITE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANT ABILITY, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES THAT THE CONTENT AVAILABLE ON THE SITE, INCLUDING WITHOUT LIMITATION DESCRIPTIONS OF THE RESOURCES AND SERVICES AVAILABLE ON THE SITE, IS ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. FURTHERMORE, WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS) RELATED TO THE SITE REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to defend, indemnify and hold us harmless for any loss, damages or costs, including reasonable attorneys’ fees, resulting from any third-party claim, action or demand arising out of or relating to your use of the Site.
Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Florida. You hereby irrevocably consent to the exclusive personal jurisdiction of and venue in the state and federal courts of the State of Florida located in the County of Pasco with respect to any disputes arising out of or relating to your use of the Site.
If you have any questions regarding these terms and conditions, please e-mail any questions to firstname.lastname@example.org
Your Info is Safe with Us!
We do NOT share your information with anyone.
Your California Privacy Rights:
We collect information that you provide to us when you inquire about or purchase products and/or services
through this Website. You may be required to provide us with certain information, including, without limitation, some or all of the following information:
Daytime telephone number
Evening telephone number
Cellular phone number and
Certain other personal or company information reasonably required by us.
Information collected from you may be combined with other personally identifiable information or demographic information obtained from secondary sources, such as address update services.
When you use this Website, the server may automatically recognize you by using a “cookie”. This cookie acts as a unique identifier, which allows us to personalize this Website to your specified interests and allows us to keep track of your activity on this Website. This information may be added to your personal profile and used to deliver offers and advertisements that are most relevant to your interests.
Furthermore, we may retrieve certain information from your browser, including, without limitation, your browser type, platform-dependent information, requested document, referrer URL, date and time of your visit, your account information and the IP address associated with your transactions in the system. These categories of information, sometimes called “log-file data” or “clickstream data”, are used to monitor this Website’s performance, analyze traffic patterns and usage and ensure that the Website and the transactions performed through it function properly. This information also may be appended to your personal profile so that we may further tailor this Website to your interests and send offers to you based on such information.
Many of our advertisers also may utilize third-party cookies to identify you. We and our advertisers also may currently use third-party cookies and clear pixel GIFs (also referred to as “web beacons”) to measure page views on this Website, our advertisers’ websites and responses to e-mails. These devices allow us to identify unique visitors to this Website and your visits to the advertisers’ sites, and act as a counter for ongoing monitoring of this Website, e-mail and corresponding future transaction activity related to a specific offer for both us and our advertisers. These commonly used counters collect absolutely no personal information and, as always, this technology will only be used to enhance this Website and make it more relevant to your personal interests and to measure the effectiveness of our e-mail and advertising campaigns.
Use and Sharing of Information:
We may use the personal information that you supply to us through the Website (a) to help fulfill your requests for products and services; (b) to address problems with this Website, our business or our products or services, (c) to protect the integrity of the Website and our business, (d) for verification purposes and (e) for marketing purposes. Your contact information also may be used to reach you, when necessary. We may transfer and/or sell our user information and/or join together with other businesses to bring selected opportunities to our users. By allowing us to make the information you supply available to these third parties, you may receive free information on products and services that may be of interest to you.
Additionally, we create internal reports on user demographics and traffic patterns for our advertisers and partners. We may include your personal information in our reports. This information allows our third-party advertisers to deliver, and our users to receive more relevant advertisements. We reserve the right to transfer and/or sell aggregate or group data about users of this Website for lawful purposes. “Aggregate” or “group data” is data that describes the demographics, usage or other characteristics of our users as a group without disclosing our users’ personally identifiable information.
We also may use contact information from the personal information you submit through the Website to send you information about us and to keep you informed of our other products and services, and/or those of our affiliates, which may be of interest to you. Please keep in mind, however, that we do not control, and we are not responsible for, the practices of our third-party advertisers. If you wish to stop receiving future e-mail marketing communications from us, please send us an email to email@example.com.
By submitting your e-mail address at this Website, you agree to receive e-mail marketing from us. In addition, you agree that such act constitutes a purchase and/or an inquiry or an application for purposes of the Telemarketing Sales Rule, 16 C.F.R. § 310 et seq., as amended from time to time (the “TSR”). Not with standing that your telephone number may be listed on the Federal Trade Commission’s or a State’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the TSR and applicable States’ laws, rules and regulations. Moreover, by requesting information from us or a third-party advertiser at or through this Website, such action constitutes an inquiry or an application with the respective third-party advertiser for purposes of the TSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third-party advertiser in accordance with the TSR.
This Website may contain links to other third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices.