Welcome to the Tucker Bonds & Insurance Services (TBI) website at www.TuckerInsuranceServices.com. These Terms and Conditions ("Terms") outline your rights and responsibilities when using our website, services, and products. Please read these Terms carefully. By using our services or making purchases through our website, you agree to comply with these Terms. If you do not agree, please refrain from using our website or services.

1. Acceptance of Terms

By accessing or using our services, you confirm that you are of legal age in your jurisdiction and are capable of entering into a binding agreement. If you are acting on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

2. Overview of TBI Services

Tucker Bonds & Insurance Services specializes in finding tailored insurance solutions for contractors, including general contractors, roofers, and electricians. While we source competitive insurance quotes and coverage options, we do not issue insurance policies ourselves. Instead, we partner with third-party insurance providers to match you with suitable policies.

3. Modifications to the Terms

TBI may update or revise these Terms at any time. Any changes will be indicated by updating the "Last Updated" date at the top. Your continued use of our services after any changes signifies your acceptance of the updated Terms.

4. Website Use

4.1. Prohibited Activities

By using our site, you agree not to engage in any illegal or prohibited activity, including but not limited to:

Participating in fraudulent behavior or spreading malware. Trying to access unauthorized areas of our website or servers. Using automated tools for scraping or collecting data from our site without permission.

4.2. Intellectual Property

All content on the TBI website, including logos, text, and graphics, is owned by TBI or our content providers and is protected by intellectual property laws. You are permitted to view and use our site for personal or business use only; any commercial use or modification requires explicit authorization from TBI.

5. Purchases and Transactions

5.1. Obtaining Quotes and Policies

Our site offers the ability to request and review insurance quotes based on your specific needs. Please note that all quotes and policies are subject to third-party availability and may vary in terms and conditions. TBI does not guarantee policy issuance or terms set by insurance providers.

5.2. Payment Terms

Some services, such as receiving customized quotes or policies, may involve fees. Payment terms and fees will be outlined at the time of purchase. By providing your payment details, you confirm that the information is accurate and authorize us to process payment through your selected method.

5.3. Refunds

Payments made for services, such as quotes or consultations, are non-refundable. If you believe a refund is necessary due to an error on our part, please contact us within 30 days to discuss possible solutions.

6. Limitation of Liability

To the fullest extent allowed by law, TBI, along with our officers, employees, and partners, shall not be held liable for any indirect, incidental, or consequential damages resulting from the use of our services. This includes, but is not limited to, lost data, business interruptions, or personal injury.

7. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. TBI makes no guarantees or warranties regarding the accuracy, reliability, or completeness of our services. This includes any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Privacy Policy

Please refer to our www.tuckerinsuranceservices.com/privacy-policy to understand how we handle your personal information. By using our services, you agree to the terms outlined in the Privacy Policy.

9. Third-Party Links and Services

Our website may include links to third-party sites or services. These links are provided for convenience only. TBI does not control or endorse these third-party sites and is not responsible for their content. It is recommended that you review the terms and policies of any third-party site you visit.

10. Indemnification

You agree to indemnify and hold Tucker Bonds & Insurance Services, its officers, employees, and affiliates harmless from any claims, damages, or losses that arise from your violation of these Terms, or any activity conducted through your account.

11. Governing Law

These Terms are governed by and interpreted in accordance with the laws of the State where TBI is based, without regard to any conflict of law principles.

12. Dispute Resolution

In the event of any dispute, you agree to contact TBI first to seek an amicable resolution. If a resolution cannot be reached, both parties agree to submit the matter to binding arbitration in the county where TBI is headquartered unless mutually agreed otherwise.

13. Termination

TBI reserves the right to suspend or terminate your access to our services if you breach these Terms or engage in prohibited conduct. Termination of access does not exempt you from any outstanding payments or indemnification obligations. Links to External Sites

This website may include links to other websites on the Internet owned and operated by third-party vendors or other entities ("External Sites"). You acknowledge that Tucker Bonds & Insurance Services (TBI) has no control over, and is not responsible for, the availability or content of these External Sites. If you have questions or concerns about any of these links or the content on such External Sites, please contact the administrator or webmaster of the respective site directly.

By accessing or using the TBI website, you confirm that you have read, understood, and agree to the terms and conditions outlined in this agreement.