Welcome to the website of LBW Insurance and Financial Services ("LBW"),
located online at www.lbwinsurance.com (the "Site"). By accessing
or using the Site or our Services (as defined below), you agree to be
The terms "we," "us," or "our" means LBW.
The term "Services," means the Site and all information, products
and services on the Site, including but not limited to information related
to insurance products and procurement. You understand we may update these
Terms from time to time without giving you any notice. Unless we let you
know by giving you notice, any new features or updated Services that we
put on this Site will be subject to these Terms. BY USING THE SERVICES,
YOU AGREE TO EACH OF THE TERMS SET FORTH BELOW. IF YOU DO NOT AGREE WITH
ANY TERM OR CONDITION SET FORTH BELOW, YOU ARE NOT AUTHORIZED TO USE THE
SERVICES FOR ANY PURPOSE.
- Representations About Customer
You represent and warrant to us that you have the power and authority to
enter into this Agreement. You represent and warrant that the information
that you provide to us will be current, true, accurate, supportable and
complete, and that if you provide incorrect or incomplete information
it may affect the value of the Services to you.
- User Acknowledgements
Insurance Carriers and Insurance Providers (collectively a "Service
Provider") may pay us commissions and fees for services and to be
matched with users who use the Services. You acknowledge and agree to
this compensation arrangement. In some instances, you might be able to
purchase Insurance directly using the Service. We do not make final decisions
for any arrangement that you may enter with any Service Provider although
we may provide recommendations. You hereby release us of all losses, costs,
damages or claims in connection with, arising from or related to your
use of a Service Provider's products or services, including any fees
charged by a Service Provider.
Quotes are estimates only based on information provided by you, insurance
carrier rates, third-party rating services and manufactured insurance
carrier rates. Quotes are subject to change without notice. Your actual
rate, payment and coverage may be different based on several rating factors,
such as driving record, insurance loss history and other third-party reports.
Quotes do not constitute an offer of insurance, nor is any contract, agreement,
or insurance coverage implied, formed or bound by the provision of quotes.
Insurability, final insurance premium quotes and an offer of insurance,
if any, will be determined by the insurance carrier providing your insurance policy.
- Intellectual Property with Respect to the Services
The content of the Services is protected by law, including without limitation,
United States copyright law, trademark law, and applicable international
treaties. We reserve all rights in and to the Services and all related
intellectual property not expressly granted under this Agreement. You
may not "mirror" any content contained within the Services without
our express prior written consent. Except as stated herein, none of the
content may be use, reproduced, distributed, published, displayed, downloaded,
or transmitted in any form by any means without our prior written permission.
- Restrictions on use of the Services
You may not rent, lease, lend, sell, redistribute, reproduce or sublicense
the Services. You may not copy, decompile, reverse-engineer, disassemble,
attempt to derive the source code of, modify, or create derivative works
of the Services, or any part thereof. If for some reason these restrictions
are prohibited by applicable law or by an agreement we have with one of
our licensors, then the activities are permitted only to the extent necessary
to comply with such law or license(s). You may not exploit the Services
in any unauthorized way whatsoever.
- Limitations on Availability
You may only use the Services if you live in the United States and are
at least 18 years old. We reserve the right, for any reason, in our sole
discretion, to terminate, change, suspend or discontinue any aspect of
the Services. We may also impose limits on certain features of the Services
or restrict your access to part of or the entire website, without notice
or penalty. We make no representation that the Services are available
or permitted in any particular location. Use of the Services is void where
prohibited. You use the Services at your own initiative and are responsible
for compliance with any applicable laws. We may also impose limits on
the use or access to the Services as required by law.
- Third Party Offerings
We may provide a tool via which you can obtain estimates and certain other
information concerning third-party product and service providers, such
as Service Providers. We are not responsible for either the availability
of these Service Providers or their offerings, including for any products
or services you may obtain by contacting any of them as a result of your
use of the Services. We make no guarantees regarding the quotes, fees,
terms, rates, coverage or services offered or made available by Service
Providers. We do not guarantee that quotes, fees, terms, rates, coverage
or services offered by Service Providers are the best available. We do
not validate or investigate the licensing, certification, financial conditions
or other requirements and qualifications of Service Providers. It is your
responsibility to investigate Service Providers. You acknowledge and agree
that Service Providers are solely responsible for any products or services
that they may provide to you and that we shall not be liable for any losses,
costs, damages or claims in connection with, arising from or related to
your use of a Service Provider's products or services.
- Authorization to Obtain a Credit Report and Credit Score
You understand and agree that by submitting your information, you are providing
us with "written instructions" in accordance with the Fair Credit
Reporting Act, for us to obtain your consumer credit report and credit
score from one of three national credit bureaus, Experian, Equifax or
TransUnion. You authorize us to use this credit report and credit score
to match you with product and services offered by Service Providers, as
permitted under applicable law.
- We are NOT an Insurance Underwriter
We are not an insurance underwriter. Any quote and/or comparisons provided
are furnished by the individual insurance companies and are subject to
change without notice. A quote should not be construed as a commitment
from the Service Provider to actually issue that policy or any other policy
to you. We would also like you to know that the quotes presented are based
on the information we have requested, and you have given us. To purchase
a policy, you must enter into a formal agreement with the Service Provider.
The Service Provider will review your application, along with other information
it may gather from sources. Based on its analysis, the Service Provider
will determine the precise premium to charge you. This underwriting process
may result in higher or lower premiums than your quote. We have no control
of this underwriting process.
- Disclaimer of Warranty
THE SERVICES AND ITS CONTENT ARE PROVIDED TO YOU STRICTLY ON AN "AS
IS" AND "AS AVAILABLE" BASIS. OUR ESTIMATES MIGHT BE WRONG.
ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED,
STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OR NON-INFRINGEMENT
OF THIRD PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED
BY APPLICABLE LAW. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES AND
ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SERVICES
IS AT YOUR SOLE RISK.
- Limitation of Liability
IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY, WHETHER IN CONTRACT,
TORT, WARRANTY, RELIANCE, OR OTHERWISE, FOR ANY INDIRECT, CONSEQUENTIAL,
EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT,
ARISING FROM YOUR USE OF THE SERVICES, EVEN IF IT HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY
CONTAINED HEREIN, OUR AGGREGATE LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER
AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED
TO THE AMOUNT PAID TO USE BY YOU FOR USE OF THE SERVICES. SOME JURISDICTIONS
DO NOT ALLOW THE LIMITATION OF DAMAGES OR EXCLUSION OF LIABILITY FOR INCIDENTAL
OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT
APPLY TO YOU.
you visit and use our Services, how we share it, and how we use it. It
forms a part of this Agreement and is hereby incorporated by reference
and by using the Services you consent to it and the collection, use and
sharing of information discussed therein.
- Modifications /Updates
This Agreement may be modified by us at any time by updating and posting
a new version or by otherwise notifying you of the revised Agreement.
By subsequently using the Services, you agree to be bound by the terms
and conditions of the version of this Agreement that is in force during such use.
- Other Websites and Services
This Site may contain links to other websites. Your use of such other websites
If there is any conflict between the Terms set forth below and any terms
or notices set forth on any other website, then the terms of such other
website will control your use of that website. Please review the terms
of use for each website so that you understand all of the terms that will apply.