Terms & Conditions

## Introduction

Welcome to State Street Insurance LLC. These Terms and Conditions ("Terms") govern your use of our website, services, and any products offered by State Street Insurance LLC. By accessing or using our services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use our services.

## Definitions

- **"Company"** refers to State Street Insurance LLC.

- **"User"** or **"You"** refers to any individual or entity accessing or using our services.

- **"Services"** refers to all products, services, and information provided by the Company through its website and other channels.

- **"Website"** refers to the Company’s website, including all webpages, subdomains, and content.

## Use of Services

1. **Eligibility**: You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement.

2. **Compliance**: You agree to use our services in compliance with all applicable laws and regulations.

3. **Account Security**: If you create an account with us, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. Notify us immediately of any unauthorized use of your account.

## Insurance Products

1. **Quotes and Applications**: Any insurance quotes provided by our website or representatives are estimates based on the information you provide and are not binding until confirmed by an authorized representative of the Company.

2. **Policy Terms**: Your insurance coverage will be subject to the terms and conditions of the specific policy issued to you. Please review your policy documents carefully.

3. **Accuracy of Information**: You must provide accurate and complete information when applying for insurance coverage. Providing false or misleading information may result in the denial of your application or cancellation of your policy.

## Payments

1. **Payment Terms**: Payment for insurance policies must be made in accordance with the terms specified in your policy documents. Failure to make timely payments may result in the cancellation of your coverage.

2. **Refunds**: Refunds, if applicable, will be processed in accordance with our refund policy as specified in your policy documents.

## Intellectual Property

1. **Ownership**: All content on our website, including text, graphics, logos, and software, is the property of State Street Insurance LLC or its licensors and is protected by intellectual property laws.

2. **License**: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written consent.

## Disclaimers and Limitation of Liability

1. **No Warranty**: Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure.

2. **Limitation of Liability**: To the fullest extent permitted by law, State Street Insurance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.

## Indemnification

You agree to indemnify and hold harmless State Street Insurance LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees, arising out of or related to your use of our services or your violation of these Terms.

## Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State in which State Street Insurance LLC is headquartered, without regard to its conflict of law principles.

## Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after the posting of changes constitutes your acceptance of such changes.

## Contact Us

If you have any questions or concerns about these Terms, please contact us at:

- **Phone**: 561-865-6676

- **Email**: support@statestreetinsurance.net

Effective Date: 03/01/2024