TERMS AND CONDITIONS

PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS OF USE (“TERMS”) BEFORE USING THIS SITE.

Welcome to insure.listabrands.com (“Site”).
This Site, including all content, features, and functionality, is operated by Insure Lista Brands (“Company,” “we,” “our,” “us”).

This Site is intended exclusively for Authorized Users, including clients and associates of the Company.
By accessing or using the Site, you acknowledge that you are an Authorized User and that you understand and accept these Terms.

1. Acceptance of These Terms

1.1 Acceptance of Posted Terms

Each time you use this Site, you agree—on your own behalf and, when applicable, on behalf of your organization—to be bound by these Terms.
If you do not agree, discontinue use immediately.

1.2 Modifications to Terms

The Company may update or modify these Terms at any time.
Your continued use of the Site constitutes acceptance of any revised Terms.
Please review the Terms regularly.

1.3 Legal Capacity

You confirm that you are at least 18 years old or otherwise legally authorized to enter into binding agreements under applicable law.

1.4 Relation to Other Agreements

These Terms govern your use of this Site and operate independently of any other agreements with the Company.

1.5 Acceptance of Submissions

Submission of any request, application, or form does not guarantee acceptance or service.
We reserve full discretion to accept or reject any request.

2. User Rights and Responsibilities

2.1 Authorized Use

You may use the Site solely for the intended business purpose authorized by the Company.

2.2 User Accounts

You are responsible for maintaining the confidentiality of your login credentials and all activities under your account.
Notify us immediately of any unauthorized access.

2.3 Prohibited Conduct

You agree not to:

  • Engage in unlawful, fraudulent, harmful, or abusive activity
  • Upload defamatory, obscene, or disruptive content
  • Interfere with Site functionality or security
  • Attempt to bypass access controls or security mechanisms
  • Copy, distribute, or resell Site materials without authorization
  • Harvest or scrape data from the Site
  • Introduce viruses, malware, or harmful code
  • Overload or degrade Site infrastructure
  • Engage in unauthorized automated monitoring
  • Compete with the business of the Company or its partners
  • Share access or sublicense the Site to third parties
  • Access or attempt to access confidential information

2.4 Linking Restrictions

Creating links, frames, or mirrors of the Site without written permission is prohibited.

2.5 User Content

Any content posted by users:

  • Must comply with these Terms
  • Must not contain personal information, advertising, or violations of law
  • Is treated as non-confidential
  • May be used by the Company for operational purposes under a limited license

3. Site Purpose, Content, and Intellectual Property

3.1 Intellectual Property Rights

All Site content—including text, graphics, design elements, logos, audio, video, and software—is owned or licensed by the Company and protected by applicable intellectual property laws.

3.2 Limited License

You may download or print Site materials solely for personal or internal business use, provided all proprietary notices remain intact.

3.3 No Transfer of Rights

Access to the Site does not grant ownership or additional rights except those explicitly stated.

3.4 Availability of the Site

The Site is provided “AS IS” and “AS AVAILABLE.”
We may modify, suspend, or discontinue any part of the Site at our discretion.

3.5 Third-Party Links

The Site may redirect you to third-party websites.
We are not responsible for their accuracy, security, or content.

3.6 Global Access

Our services are intended for users located within permitted regions, including the United States.
Users accessing the Site from any region are responsible for compliance with applicable local laws.

4. No Warranties

To the fullest extent permitted under applicable law, the Company disclaims all warranties—express, implied, statutory, or otherwise—including:

  • merchantability
  • fitness for a particular purpose
  • non-infringement
  • data accuracy
  • uninterrupted operation
  • system integrity

Your use of the Site is at your own risk.

5. Limitation of Liability

To the maximum extent permitted by applicable law, the Company and its affiliates, officers, employees, contractors, licensors, and agents shall not be liable for any damages or losses, including:

  • direct, indirect, or consequential damages
  • business interruption
  • lost revenue or profits
  • system or data loss
  • delays, failures, or errors
  • reputational harm

Your exclusive remedy is to stop using the Site.

6. Data, Privacy, and Communications

6.1 Use of Submitted Information

By submitting information through the Site, you grant the Company a limited license to process, store, analyze, and utilize such information for business operations.

6.2 Privacy Policy

Personal information is governed by our Privacy Policy.

6.3 SMS Terms

By providing your phone number and opting in, you consent to receive communications from us via SMS.
Standard message and data rates may apply.
You may opt out at any time by replying STOP.

7. Security

We use reasonable security measures to protect user data, but no method of electronic transmission is completely secure.
You acknowledge the risk of unauthorized access or interception.

8. Monitoring, Enforcement, and Termination

We may, at our discretion:

  • Remove or restrict content
  • Suspend or terminate user accounts
  • Cooperate with legal authorities
  • Enforce compliance with these Terms
  • Disclose user information when required by law

We are not liable for actions taken under this section.

9. Assignment and Waiver

9.1 Assignment

The Company may assign its rights or obligations under these Terms without notice.
You may not transfer your rights without written permission.

9.2 No Waiver

Failure to enforce any provision does not constitute a waiver.

10. Dispute Resolution (Neutral, Safe Version)

10.1 Informal Resolution

Users should attempt to resolve disputes informally by contacting the Company.

10.2 Arbitration Option

Where permitted by applicable law, disputes may be resolved through arbitration or similar neutral dispute mechanisms.

10.3 Individual Claims Only

To the extent allowed by law, disputes must be brought individually and not as part of a class or representative action.

10.4 Timeframe for Claims

Disputes should be raised within a reasonable period after they arise.

11. Geographic Restrictions

The Company may restrict access to the Site in jurisdictions or regions as needed.
Use where prohibited is void.

12. Severability

If any provision of these Terms is found invalid, the remaining provisions will continue in full effect.

13. Entire Agreement

These Terms constitute the complete agreement governing your use of the Site.