Terms and Conditions

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Loadguard Insurance Solutions regarding your use of our website and services. By accessing our website, requesting quotes, or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Services Provided

Our company provides insurance brokerage services, including but not limited to:

• Insurance quotes and comparisons
• Policy recommendations and consultations
• Claims assistance and support
• Risk assessment and analysis
• Insurance policy administration

We act as intermediaries between you and insurance carriers and are not insurance underwriters ourselves.

3. Eligibility and Representations

You represent and warrant that:

• You are at least 18 years of age and have the legal capacity to enter into binding contracts
• All information provided to us is true, accurate, complete, and current
• You have the authority to bind any entity on whose behalf you are acting
• You will promptly notify us of any changes to the information provided

4. Quote Requests and Information Accuracy

When requesting insurance quotes or services:

• You must provide complete and accurate information about your insurance needs, risk factors, and circumstances
• Misrepresentation or omission of material facts may result in policy voidance, claim denials, or other adverse consequences
• We rely on the accuracy of your information to provide appropriate recommendations
• You are responsible for reviewing all quotes and policy documents for accuracy

5. No Insurance Advice Guarantee

While we strive to provide professional insurance guidance:

• Our recommendations are based on the information you provide and general insurance principles
• We do not guarantee that our recommendations are suitable for your specific situation
• You should carefully review all policy terms, conditions, and exclusions before making decisions
• We recommend consulting with legal or financial advisors for complex situations

6. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal and business information in accordance with applicable laws and regulations, including state insurance privacy laws. Please review our Privacy Policy for detailed information about how we collect, use, and protect your information.

7. Limitation of Liability

To the fullest extent permitted by law:

• Our liability is limited to the amount of commissions received from insurance carriers for your policies
• We are not liable for indirect, incidental, special, consequential, or punitive damages
• We are not responsible for insurance carrier decisions, policy terms, claim handling, or coverage disputes
• We are not liable for losses resulting from your failure to maintain adequate insurance coverage

8. Professional Standards and Licensing

We maintain appropriate insurance licenses and strive to comply with all applicable regulations. However:

• Insurance laws and regulations vary by jurisdiction
• You are responsible for ensuring compliance with your local insurance requirements
• We cannot guarantee coverage availability or approval by insurance carriers
• All insurance contracts are subject to underwriting approval by the respective insurance companies

9. Website Use and Restrictions

You agree to use our website only for lawful purposes and in accordance with these Terms. You may not:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Use automated systems to access our website without permission
• Interfere with the proper functioning of our website
• Violate any applicable laws or regulations

10. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is our property or that of our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

11. Third-Party Links and Services

Our website may contain links to third-party websites or integrate with third-party services. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites or services. Your interactions with third parties are solely between you and such third parties.

12. Indemnification

You agree to defend, indemnify, and hold harmless our company, its employees, agents, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from:

• Your use of our services or website
• Your violation of these Terms
• Your misrepresentation of facts or circumstances
• Any negligent or wrongful acts on your part

13. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause or notice. You may terminate this agreement by ceasing to use our services. Upon termination, your obligations under these Terms shall survive, including payment obligations and confidentiality requirements.

14. Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of California, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Modifications to Terms

We reserve the right to modify these Terms at any time by posting updated Terms on our website. Your continued use of our services after such modifications constitutes acceptance of the updated Terms. We recommend reviewing these Terms periodically for changes.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its original intent.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Loadguard Insurance Solutions regarding the subject matter hereof and supersede all prior agreements and understandings.

18. Contact Information

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

By using our website and services, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.