Terms of Service

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

If you do not agree to abide by the above, please do not use this service.

These terms apply to all visitors, users, and others who access or use the service.

2. Use License

Permission is granted to temporarily download one copy of the materials on Gillkor Insurance Solutions's website for personal, non-commercial transitory viewing only.

This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Gillkor Insurance Solutions at any time.

3. Disclaimer

The materials on Gillkor Insurance Solutions's website are provided on an 'as is' basis. Gillkor Insurance Solutions makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Gillkor Insurance Solutions does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

4. Insurance Services

Gillkor Insurance Solutions is a licensed insurance agency in the state of California. All insurance products and services are subject to the terms and conditions of the respective insurance policies.

Information provided on this website is for general informational purposes only and does not constitute professional insurance advice.

Actual coverage, terms, and pricing may vary based on individual circumstances, underwriting guidelines, and carrier requirements.

All insurance applications are subject to underwriting approval by the respective insurance carriers.

5. Privacy and Data Collection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our service.

By using our service, you agree to the collection and use of information in accordance with our Privacy Policy.

We may collect personal information including but not limited to: name, email address, phone number, business information, and insurance history.

This information is used solely for the purpose of providing insurance quotes, services, and communications related to your insurance needs.

6. User Accounts and Responsibilities

When you create an account with us, you must provide information that is accurate, complete, and current at all times.

You are responsible for safeguarding the password and for all activities that occur under your account.

You agree not to disclose your password to any third party and to take sole responsibility for activities under your account.

You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

7. Prohibited Uses

You may not use our service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code

8. Content and Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of GillKor Insurance and its licensors.

The service is protected by copyright, trademark, and other laws.

Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You retain rights to any content you submit, post, or display on or through the service, but you grant us a license to use such content for business purposes.

9. Termination

We may terminate or suspend your account and bar access to the service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever including without limitation if you breach the Terms.

If you wish to terminate your account, you may simply discontinue using the service.

Upon termination, your right to use the service will cease immediately. All provisions of the Terms which by their nature should survive termination shall survive termination.

10. Limitation of Liability

In no event shall GillKor Insurance, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the service.

Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations may not apply to you.

11. Governing Law

These Terms shall be interpreted and governed by the laws of the State of California, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time.

If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our service after any revisions become effective, you agree to be bound by the revised terms.