These Terms and Conditions of Use govern your use of this website. By using this website. you agree to these terms and conditions of use. By accepting the terms contained herein, you are indicating your acknowledgment and acceptance of these Terms and Conditions of Use. Changes in the terms and conditions of use may occur at any time, without further notice.
Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is provided by Spectrum Insurance Group. These Terms and Conditions apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with Spectrum Insurance Group.
Consent To Be Contacted
You understand that by submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, email, SMS text, or direct mail even if you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You may withdraw consent by clicking on “stop” in each delivery method email/text stopping that individual delivery method or by notifying Spectrum Insurance Group by phone, fax or email to stop all contact. We never spam and only make contact as requests are made and stop that contact immediately upon request.
Representations and Warranties
You represent and warrant to Spectrum Insurance Group that, to the best of your knowledge and ability, any and all information submitted by you to this website is true and accurate.
Restrictions On Use
You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without express prior written consent of Spectrum Insurance Group. For example, you may not display the Spectrum Insurance Group name, logo or trademark appearing on this website. You agree to cooperate with Spectrum Insurance Group in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.
The content on this site is the proprietary information of Spectrum Insurance Group, and Spectrum Insurance Group retains all right, title, and interest in it. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Spectrum Insurance Group, except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of such content. Modification or use of the content except as expressly provided in these Terms and Conditions of Use violates the intellectual property rights of Spectrum Insurance Group. Neither title nor intellectual property rights are transferred to you by access to this site.
This site may be linked to other sites. Such linked sites are not maintained by, or related to, Spectrum Insurance Group and such links are provided as a service to users and are not sponsored by or affiliated with this site or Spectrum Insurance Group. Spectrum Insurance Group has not reviewed any such sites and is not responsible for the content of those sites. Links are to be accessed at the user’s own risk, and Spectrum Insurance Group makes no endorsement, representations or warranties about them. Spectrum Insurance Group may receive monetary compensation through our affiliates for life insurance products offered, mentioned or not, from this website. This, in no regard, will direct, influence or sway our opinions on the insurance companies or their products, and are expressly the opinions of the author(s), writer(s), researcher(s), or otherwise. Our editorial guidelines and methodology for all rankings are our own, and is strictly adhered to.
Third-Party Content & Services
Spectrum Insurance Group may provide links to content of third parties as a service to those interested in this information. Spectrum Insurance Group does not monitor nor does Spectrum Insurance Group have control over any third-party content or third-party websites. Spectrum Insurance Group does not endorse or adopt any third-party content and can make no representation or warranty as to its accuracy or completeness. Users use of these links and third party-content contained therein at their own risk.
Trademarks and Copyrights
Spectrum Insurance Group trademarks, service marks and logos appearing in this site are the property of Spectrum Insurance Group. Spectrum Insurance Group retains all rights with respect to all such content appearing in this site.
Notwithstanding any of these terms and conditions, Spectrum Insurance Group reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and at any time to block or prevent future access to and use of this website.
Limitation of Liability
IN NO EVENT SHALL Spectrum Insurance Group , ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS BE LIABLE FOR ANY INCIDENTAL, DIRECT, SPECIAL, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR THE MATERIALS CONTAINED ON, OR ACCESSED THROUGH, THIS WEBSITE.
You will indemnify and hold Spectrum Insurance Group, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms and Conditions of Use by you, including any use of content other than as expressly authorized in these Terms and Conditions of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this site.
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Spectrum Insurance Group will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Spectrum Insurance Group considers insecure, Spectrum Insurance Group will be entitled to require the password to be changed and/or terminate your account.
You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Spectrum Insurance Group reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Spectrum Insurance Group reserves the right to investigate suspected violations of these Terms and Conditions of Use.
Spectrum Insurance Group reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Spectrum Insurance Group to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms and Conditions of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS Spectrum Insurance Group FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY Spectrum Insurance Group DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER Spectrum Insurance Group OR LAW ENFORCEMENT AUTHORITIES.
These terms and conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice. If you are a citizen of a country other than the United States of America, this website is not intended for, or applicable, to you in any way. Any use of, reference of, or otherwise is at your own risk.
THIS WEBSITE AND THE MATERIALS IN THIS WEBSITE ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SPECTRUM INSURANCE GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. SPECTRUM INSURANCE GROUP DOES NOT REPRESENT OR WARRANT THAT MATERIALS ON THIS WEBSITE ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. SPECTRUM INSURANCE GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND SPECTRUM INSURANCE GROUP MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT SPECTRUM INSURANCE GROUP, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. SPECTRUM INSURANCE GROUP MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT. REFERENCE TO ANY PRODUCTS, SERVICES, PROCESSES, OR OTHER INFORMATION, BY TRADE NAME, TRADEMARK, AGENTS, SUPPLIER, OR OTHERWISE DOES NOT CONSTITUTE OR IMPLY ENDORSEMENT, SPONSORSHIP OR RECOMMENDATION THEREOF BY SPECTRUM INSURANCE GROUP. SPECTRUM INSURANCE GROUP DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR ITS SERVER(S) ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SPECTRUM INSURANCE GROUP DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. SPECTRUM INSURNACE GROUP DOES NOT UNDERTAKE ANY OBLIGATION TO UPDATE SUCH INFORMATION AFTER IT IS POSTED OR TO REMOVE SUCH INFORMATION FROM THIS SITE IF IT IS NOT, OR IS NO LONGER, ACCURATE OR COMPLETE. YOUR USE OF THIS SITE IS AT YOUR OWN RISK.
If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice, or the above terms and conditions of use, please contact your legal counsel.
All text and information provided on or through this site is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by Spectrum Insurance Group.
This site is for informational purposes only and is provided without charge to individuals who may seek information regarding life insurance.
Spectrum Insurance Group does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.