Terms of Service

CONTACT INFORMATION

The owner of this Website is:
STEVE TURNER INSURANCE SPECIALIST

EMAIL

Click the CONTACT US in the Main Navigation

WRITE

Steve Turner Insurance Specialist

14502 N Dale Mabry Hwy

Suite 200

Tampa, FL 33618

USA

+1(813)388-8373

https://SteveTurnerInsuranceSpecialist.com

DEFINITIONS

Steve Turner Insurance Specialist (“Company,” “we,” “us”)
www.steveturnerinsurancespecialist.com (the “Website”)
Privacy Policy (See Privacy Policy page on Company Website)

Terms of Service

Last Updated: January 16, 2024

The following Terms of Service (“Terms”) are entered into by and between You and the Company.

Together with our Privacy Policy and any other documents expressly incorporated by reference, these Terms of Service govern your use of the Website, including all materials, resources, information, and services, whether as a guest or registered user.

Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms of Service. These Terms of Service apply to all visitors, users, customers, and others who access or use the Website.

By accessing or using the Website, you agree to be bound by these Terms of Service, without modification and acknowledge reading them. You may not access the Website if you disagree with any part of the Terms of Service.

PRIVACY POLICY

Your website use is also subject to the Company’s Privacy Policy. Please review our Privacy Policy, which governs the Website and informs users of our data collection practices. Your Agreement to the Privacy Policy is now incorporated into these Terms of Service.

DISCLAIMER

Your use of the Website is subject to this and other Company’s documents. Please review this document, which also governs the Website and informs users of various limitations regarding the information provided. Your Agreement to the Disclaimer is, at this moment, incorporated into these Terms of Service.

USE OF THE WEBSITE

To access or use the Website, you must be 18 or older and have the requisite power and authority to enter into these Terms of Service. Children under the age of 18 are prohibited from using the Website. Information provided on the Website and any resources provided on or available for download from the Website is subject to change. The Company makes no representation or warranty that the information provided, regardless of its source, is accurate, complete, reliable, current, or error-free. The Company disclaims all liability for any inaccuracy, error, or incomplete information.

The Company reserves the right to withdraw or amend this Website and any service or material provided on the Website in its sole discretion without notice. The Company will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, the Company may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

ADA COMPLIANCE – WEB CONTENT ACCESSIBILITY

We are committed to providing a website accessible to the broadest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of our Website and, in doing so, adhere to many of the available standards and guidelines.

This website endeavors to conform to level Double-A of the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines 2.1. These guidelines explain how to make web content more accessible for people with disabilities. Conformance with these guidelines will help make the web more user-friendly.

This site has been built using code we believe to comply with W3C best practices standards for HTML and CSS. The site displays correctly in current browsers, and using standards-compliant HTML/CSS code means any future browsers will also display it correctly.

While we adhere to the accepted guidelines and standards for accessibility and usability, it is not always possible in all website areas. Suppose any user or person finds what they believe to be an ADA Compliance issue. In that case, they agree to inform us in writing and work with us to resolve the issue and not file a complaint with any legal or governing body for at least 12 months from the date of such written notification. 

LAWFUL PURPOSES

You may use the Website for lawful purposes only. You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Website. You agree to use the Website and purchase services or products through the Website for legitimate, non-commercial purposes only. You shall not post or transmit through the Website any material that violates or infringes the rights of others or that is threatening, abusive, defamatory, libelous, invasive of privacy or publicity rights, vulgar, obscene, profane, or otherwise objectionable, contains injurious formulas, recipes, or instructions, that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any law.

USE OF FREE DOWNLOADABLE CONTENT

The Company may make resources on this Website accessible to users in exchange for providing an email address (“Gated Content”). The Company grants you a limited, personal, non-exclusive, non-transferable license to use the Gated Content for your personal or internal business use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance, or exploit any of the Gated Content in any manner.

By accessing or downloading the Gated Content, you agree that the Gated Content may only be used by you for your personal or internal business use and may not be sold or redistributed without the Company’s express written consent.

By accessing the Gated Content, you further agree that you shall not create any derivative work based upon the Gated Content. You shall not offer competing products or services based upon any information in the Gated Content.

MATERIAL YOU SUBMIT TO THE WEBSITE

By posting, uploading, submitting, inputting, providing, or otherwise making available any artwork, photos, written works, or other media, including feedback and suggestions (collectively, “Submissions”), you are granting the Company, our affiliated companies, and any necessary sub-licensees a worldwide, nonexclusive, irrevocable license to use your Submission for promotional, business development, and marketing purposes including, without limitation, the right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name in connection with your Submission.

We claim no intellectual property rights over the Submissions you supply to the Company. You retain copyrights and any other rights you may rightfully hold in submitted submissions through the Website.

You shall not upload, post, submit, input, or otherwise make available on the Website any Submissions protected by copyright, trademark, or other proprietary rights without the express written permission of the owner of the copyright, trademark, or other proprietary rights. Determining that any Submissions are not so protected rests entirely with you. You shall be liable for any damage from copyright infringement, trademarks, proprietary rights, or any other harm resulting from such a Submission.

For all Submissions submitted by you to the Website, you automatically represent or warrant that you own or otherwise control all the rights to your Submission described herein, including the authority to use and distribute the Submission, and that the use or display of the Submission as contemplated in this section will not violate any laws, rules, regulations, or rights of third parties. You agree to hold the Company harmless from and against all claims, liabilities, and expenses arising from any potential or actual copyright or trademark misappropriation or infringement claimed against you arising from Submissions you submit through the Website.

You further grant us the right to use your Submission to improve our Website, products, or services (and for any other purpose we deem necessary or desirable) without being obliged to pay you any compensation for our use of your Submission. The Company is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in the Company’s sole discretion. If you do send us unsolicited ideas, such ideas will be deemed non-confidential, and we will not be required to provide any acknowledgment of their source.

OUR INTELLECTUAL PROPERTY

The Website contains intellectual property owned by the Company, including trademarks, copyrights, proprietary information, and other intellectual property. We reserve all rights in and to our common law and registered trademarks, service marks, copyrights, and other intellectual property rights, including but not limited to text, graphics, photographs, video, design, and packages belonging to the Company or our licensors (“IP”).  

You may not modify, publish, transmit, participate in the transfer or sale of, create derivative works from, distribute, display, reproduce, or in any way exploit in any format whatsoever any of our IP in whole or in part without our prior written consent. We reserve the right to immediately block your access to the Website and remove you from any service without a refund if you are caught violating this intellectual property policy.

You are granted a non-exclusive, non-transferable, revocable license to access and use the Website and the resources available for download from the Website (the “Content”) strictly per these Terms of Service.

As a condition of your use of the Website, you warrant to the Company that you will not use the content for any purpose that is unlawful or prohibited by these Terms of Service. You may not use the content in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided through the Website.

All content included as part of the content, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Website, is the property of the Company or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions in any such content and will not change it.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or exploit any of the content, in whole or in part.

The content is not for resale. Your use of the content does not entitle you to make any unauthorized use of any protected content. In particular, you will not delete or alter proprietary rights or attribution notices in any Content. You will use protected content solely for your individual use and make no other use of the content without the Company’s express written permission and the copyright owner. You agree that you do not acquire ownership rights in any protected content. We do not grant you any licenses, express or implied, to the Company’s intellectual property or our licensors except as expressly authorized by these Terms of Service.

The Company name, the Company logo, the Company slogan, and all related names, logos, product and service names, designs, and slogans are the Company’s trademarks or its affiliates or licensors. You must not use such marks without the Company’s prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

ACCOUNT CREATION AND SECURITY

To use the Website or make a purchase on the Website, you may be required to provide information about yourself, including your name, email address, username and password, and other personal information. You agree as a condition of your use of the Website and any resources downloaded from the Website that any registration information you give to the Company will always be accurate, complete, and current. You must not impersonate someone else or provide account information or an email address other than yours. Your account must not be used for any illegal or unauthorized purpose.

You agree that all information you provide to register with this Website or otherwise, including but not limited to using any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take concerning your information consistent with our Privacy Policy.

Suppose you choose or are provided with a username, password, or any other information as part of our security procedures. In that case, you must treat such information as confidential and not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or additional security information.

You agree to notify us immediately of any unauthorized access to or use of your username, password, or any other security breach. You also agree to ensure that you exit from your account at the end of each session. It would be best to use caution when accessing your account from a public or shared computer so that others cannot view or record your password or other personal information.

We have the right to turn off any user name, password, or other identifiers, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Service.

REFUSAL OF SERVICE

The products and services on the Website are offered subject to our acceptance of your order or request. We reserve the right to refuse service to any order, person, or entity without cause or explanation. No order is deemed accepted by us until payment has been processed. We may change or discontinue any aspect or feature of the Website at any time, subject to us fulfilling our previous responsibilities to you based on acceptance of your payment.

ORDER CONFIRMATION

We will email you to confirm the placement of your order and provide details about product delivery. If you do not receive email order confirmation, you must inform us as soon as possible.

CANCELLATIONS, REFUNDS & RETURNS

If you have paid for any Service on this Website, there ARE NO REFUNDS FOR ANY REASON. 

Monthly service contracts may be canceled solely via email, and the related service will end at the end of the service period.

Monthly service contracts expire monthly and ARE NOT REFUNDABLE.

The website development fee is not CANCELLABLE or REFUNDABLE once both parties sign the contract. The total amount of the agreement must be paid by the Client no later than the time specified in the contract.

Upon determining that you are entitled to a cancellation/refund according to this policy, the Company will promptly instruct its payment processor to issue the refund. The Company does not control its payment processor and cannot expedite refunds.

If you receive a refund of any purchase through the Terms of Service, that shall immediately terminate any licenses granted to you to use the material provided under these Terms of Service or any other agreement. You shall immediately cease using the material and destroy all copies of the information provided to you, including, without limitation, video recordings, audio recordings, forms, template documents, slide shows, membership areas, social media groups limited to paying members, and other resources.

PRODUCT DESCRIPTIONS

We describe and display any products and services available for purchase on the Website as accurately as possible. While we try to be as straightforward as possible in explaining the product or service, we do not guarantee that the Website is entirely accurate, current, or error-free. From time to time, we may correct errors in pricing and descriptions. We reserve the right to refuse or cancel any order with an incorrect price listing.

CHANGED Terms of Service

We may amend these Terms of Service anytime, including our Privacy Policy and Disclaimers. The “Last updated” date at the top of this page will indicate the last revision date. Such amendments are effective immediately upon notice by us posting the new Terms of Service on this Website. We reserve the right to update any portion of our Website, including these Terms of Service, at any time. If you continue to use our Website after making revisions, your continued use constitutes consent to the revised Terms of Service, Privacy Policy, and related documents.

WARRANTIES

While we make every effort to ensure that the content on this Website is free from errors, we do not give any warranty or other assurance as to the accuracy, completeness, timeliness, or fitness for any particular purpose of the content and materials on this site beyond reasonable efforts to maintain the site. To the maximum extent permitted by law, we provide our Website and related information and services on an “as is” and “as available” basis without any warranties, representations, or guarantees of any kind (whether express, implied, statutory, or otherwise) including but not limited to warranties of non-infringement, merchantability, or fitness for a particular purpose. This site does not provide legal advise or medical advice. Consult other entities for legal or medical advice.

LIMITATION OF LIABILITY

YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE OR RESOURCES, PRODUCTS, OR SERVICES AVAILABLE THROUGH THE WEBSITE.

ADDITIONALLY, THE COMPANY IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE; (II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA;
AND (III) THIRD-PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE, AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES.

IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF ANY PRODUCTS OR SERVICES YOU HAVE PURCHASED FROM THE COMPANY.

AVAILABILITY

Your use of the Website and any associated services may sometimes be subject to interruption or delay. Due to the nature of the internet and electronic communications, our service providers and we do not make any warranty that our Website or any associated resources or services will be error-free, without interruption or delay, or free from defects in design. We will not be liable to you should our Website or the resources or services supplied through our Website become unavailable, interrupted or delayed for any reason.

MALICIOUS CODE

Although we endeavor to prevent introducing viruses or other malicious code (“malicious code”) to our Website, we do not guarantee or warrant that our Website, or any data available on the Website, does not contain malicious code. We will not be liable for any damages or harm attributable to malicious code. You are responsible for ensuring that the process you employ to access our Website does not expose your computer system to the risk of interference or damage from malicious code.

SECURITY

The security of your contact information is of utmost importance to us.  However, you acknowledge the risk of unauthorized access to or alteration of your data. We do not accept responsibility or liability for any losses you may sustain due to unauthorized access or alteration.  All information transmitted to or from you is transmitted at your own risk.

You assume all responsibility and risks concerning your use of this Website and the internet. We do not accept responsibility for any interference or damage to your computer system that may occur with your access to this Website or any outbound hyperlinks.

THIRD-PARTY RESOURCES

The Website contains links to third-party websites and resources. You acknowledge and agree that we are not responsible or liable for third-party websites or resources’ availability, accuracy, content, or policies. Links to such websites or resources do not imply any endorsement or affiliation with the Company. You acknowledge sole responsibility for and assume all risk from using such websites or resources.

From time to time, the Company may provide information from a third party through a guest post or interview, in written, audio, video, or another medium. The Company does not control the information provided by such third-party guests, is not responsible for investigating the truth of any information provided, and cannot guarantee any statements made by such guests.

INDEMNIFICATION

You shall indemnify and hold us harmless from and against any losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including, without limitation, attorney’s fees arising out of your breach of any of these Terms of Service, your use of the Website, its content, and any product or service purchased from the Website, or your failure to maintain the confidentiality and security of your password or access rights to this Website and its resources.

You shall provide us with such assistance, without charge, as we may request in connection with any such defense, including, without limitation, providing us with such information, documents, records, and reasonable access to you as we deem necessary. You shall not settle any third-party claim or waive any defense without our written consent.

EFFECT OF HEADINGS; SEVERABILITY

The subject headings of the paragraphs and subparagraphs of this Agreement are included for convenience only and shall not affect the construction or interpretation of any of its provisions. Suppose any portion of these Terms of Service is held to be unenforceable or contrary to law. In that case, such portion shall be construed under applicable law to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remainder of the provisions shall remain in full force and effect.

ENTIRE AGREEMENT; WAIVER

Together with the Privacy Policy and Disclaimers, these Terms of Service constitute the entire Agreement between you and the Company about the Website and supersede all prior and contemporaneous agreements, representations, and understandings between us. Any waiver by us of a breach of or right under these Terms of Service will not constitute a waiver of any other or subsequent breach or right. No waiver shall be binding unless executed in writing by the Company.

GOVERNING LAW; JURISDICTION; MEDIATION

These Terms of Service, including the Privacy Policy and Disclaimers, shall be construed under and governed by the laws of the State of Florida. The courts of Florida shall have jurisdiction to hear and determine any dispute arising concerning these Terms of Service.  You agree that any proceeding relating to the use of this site must be filed exclusively in the appropriate courts located in Florida, and you submit to the jurisdiction of those courts and waive any objection based on an inconvenient forum or other reasons.

The parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms of Service by mediation. The parties further agree that their respective good faith participation in mediation is a condition precedent to pursuing any other available legal or equitable remedy, including litigation, arbitration, or other dispute resolution procedures.

ALL RIGHTS RESERVED

We reserve all rights not expressly granted in these Terms of Service. If you do not see a usage scenario that applies to your intended usage, contact us at the email address below.