Terms of Service

1. Introduction

These Terms of Service govern the use of this Service and form an Agreement between you and Comprehensive Insurance Consultants, LLC (CIC) ("Company," "We," "Us," or "Our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access the Service.

2. User Accounts

When you create an account, you must provide accurate and complete information. You are responsible for maintaining the confidentiality of your account and password. You must notify us immediately at admin@cic4life.com if you become aware of any unauthorized use of your account.

3. Intellectual Property

All content, features, and functionality of the Service are the exclusive property of CIC and its Licensors. Unauthorized use of any Intellectual Property is strictly prohibited.

4. Third-Party Links

Our Service may contain links to Third-Party websites. We do not endorse or assume responsibility for any Third-Party content or policies. Users should review the Terms of any linked websites before engaging with them.

5. Termination

We reserve the right to terminate or suspend your account at our discretion, without prior notice, for violations of these Terms.

6. Limitation of Liability

To the fullest extent permitted by Law, CIC is not liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our Service.

7. Disclaimers

Our Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, error-free, or free of harmful components.

8. Governing Law

These Terms are governed by the Laws of the State where CIC is registered, without regard to conflict of Law principles.

9. Dispute Resolution

If a dispute arises, you agree to attempt resolution informally by contacting us at admin@cic4life.com before pursuing Legal action.

10. Compliance with U.S. Laws

You represent that you are not located in a sanctioned country and are not listed on any U.S. government restricted party lists.

11. Severability & Waiver

If any provision of these Terms is deemed unenforceable, the remaining provisions shall remain in effect. Failure to enforce any right does not constitute a waiver of that right.

12. Changes to Terms

We reserve the right to update these Terms at any time. We will notify users of any material changes. Continued use of the Service after changes constitutes acceptance of the revised Terms.

13. Contact Us

For any questions regarding these Terms, contact us at admin@cic4life.com.