Terms of Use

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 bound by the terms and conditions of these Terms of Use (this "Agreement"). 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. Privacy

Our Privacy Policy discusses the information that we collect from you when 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.

  1. 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.

  1. Other Websites and Services

This Site may contain links to other websites. Your use of such other websites is subject to the terms of use, if any, contained within each such website. 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.