Terms and Conditions

Agreement between User and www.insuranceagentforyou.com

Welcome to www.insuranceagentforyou.com. The www.insuranceagentforyou.com website (the

"Site") is comprised of various web pages operated by Insurance Agent For You ("Insurance

Agent for You"). www.insuranceagentforyou.com is offered to you conditioned on your

acceptance without modification of the terms, conditions, and notices contained herein (the

"Terms"). Your use of www.insuranceagentforyou.com constitutes your agreement to all such

Terms. Please read these terms carefully, and keep a copy of them for your reference.

www.insuranceagentforyou.com is a Insurance Information Site.

Potential clients can visit website to get information about me and the products and insurance

carriers I represent.

Privacy

Your use of www.insuranceagentforyou.com is subject to Insurance Agent for You's Privacy

Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data

collection practices.

Electronic Communications

Visiting www.insuranceagentforyou.com or sending emails to Insurance Agent for You constitutes

electronic communications. You consent to receive electronic communications and you agree that

all agreements, notices, disclosures and other communications that we provide to you

electronically, via email and on the Site, satisfy any legal requirement that such communications bein writing.

Children Under Thirteen

Insurance Agent for You does not knowingly collect, either online or offline, personal information

from persons under the age of thirteen. If you are under 18, you may use

www.insuranceagentforyou.com only with permission of a parent or guardian.

Links to Third Party Sites/Third Party Services

www.insuranceagentforyou.com may contain links to other websites ("Linked Sites"). The Linked

Sites are not under the control of Insurance Agent for You and Insurance Agent for You is not

responsible for the contents of any Linked Site, including without limitation any link contained in a

Linked Site, or any changes or updates to a Linked Site. Insurance Agent for You is providing

these links to you only as a convenience, and the inclusion of any link does not imply endorsement

by Insurance Agent for You of the site or any association with its operators.

Certain services made available via www.insuranceagentforyou.com are delivered by third party

sites and organizations. By using any product, service or functionality originating from the

www.insuranceagentforyou.com domain, you hereby acknowledge and consent that Insurance

Agent for You may share such information and data with any third party with whom Insurance

Agent for You has a contractual relationship to provide the requested product, service or

functionality on behalf of www.insuranceagentforyou.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use

www.insuranceagentforyou.com strictly in accordance with these terms of use. As a condition of

your use of the Site, you warrant to Insurance Agent for You that you will not use the Site for any

purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner

which could damage, disable, overburden, or impair the Site or interfere with any other party's use

and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information

through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the

compilation thereof, and any software used on the Site, is the property of Insurance Agent for You

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 contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create

derivative works, or in any way exploit any of the content, in whole or in part, found on the Site.

Insurance Agent for You content is not for resale. Your use of the Site does not entitle you to

make any unauthorized use of any protected content, and in particular you will not delete or alter

any proprietary rights or attribution notices in any content. You will use protected content solely

for your personal use, and will make no other use of the content without the express written

permission of Insurance Agent for You and the copyright owner. You agree that you do not

acquire any ownership rights in any protected content. We do not grant you any licenses, express

or implied, to the intellectual property of Insurance Agent for You or our licensors except as

expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by Insurance Agent for You from our offices

within the USA. If you access the Service from a location outside the USA, you are responsible

for compliance with all local laws. You agree that you will not use the Insurance Agent for You

Content accessed through www.insuranceagentforyou.com in any country or in any manner

prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless Insurance Agent for You, its officers, directors,

employees, agents and third parties, for any losses, costs, liabilities and expenses (including

reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or

services, any user postings made by you, your violation of any terms of this Agreement or your

violation of any rights of a third party, or your violation of any applicable laws, rules or regulations.

Insurance Agent for You reserves the right, at its own cost, to assume the exclusive defense and

control of any matter otherwise subject to indemnification by you, in which event you will fully

cooperate with Insurance Agent for You in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or

concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or

otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved

only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single

neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration

service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's

award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the

event that any legal or equitable action, proceeding or arbitration arises out of or concerns these

Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable

attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or

indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree

that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The

entire dispute, including the scope and enforceability of this arbitration provision shall be

determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class

arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE

THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S

INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY

PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH

AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE

OTHER. Further, unless both you and Insurance Agent for You agree otherwise, the arbitrator

may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR

AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR

TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE

INFORMATION HEREIN. INSURANCE AGENT FOR YOU AND/OR ITS SUPPLIERS

MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

INSURANCE AGENT FOR YOU AND/OR ITS SUPPLIERS MAKE NO

REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY,

TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS,

SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY

PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL

SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED

GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF

ANY KIND. INSURANCE AGENT FOR YOU AND/OR ITS SUPPLIERS HEREBY

DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS

INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS,

INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT

SHALL INSURANCE AGENT FOR YOU AND/OR ITS SUPPLIERS BE LIABLE FOR

ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL

DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT

LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF

OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE,

WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE

PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY

INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS

OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF

THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT

LIABILITY OR OTHERWISE, EVEN IF INSURANCE AGENT FOR YOU OR ANY OF

ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR

LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES,

THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED

WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE,

YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Insurance Agent for You reserves the right, in its sole discretion, to terminate your access to the

Site and the related services or any portion thereof at any time, without notice. To the maximum

extent permitted by law, this agreement is governed by the laws of the State of Michigan and you

hereby consent to the exclusive jurisdiction and venue of courts in Michigan in all disputes arising

out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does

not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between

you and Insurance Agent for You as a result of this agreement or use of the Site. Insurance Agent

for You's performance of this agreement is subject to existing laws and legal process, and nothing

contained in this agreement is in derogation of Insurance Agent for You's right to comply with

governmental, court and law enforcement requests or requirements relating to your use of the Site

or information provided to or gathered by Insurance Agent for You with respect to such use. If

any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law

including, but not limited to, the warranty disclaimers and liability limitations set forth above, then

the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision

that most closely matches the intent of the original provision and the remainder of the agreement

shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Insurance Agent for You with respect to the Site and it supersedes all prior or

contemporaneous communications and proposals, whether electronic, oral or written, between the user and Insurance Agent for You with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Insurance Agent for You reserves the right, in its sole discretion, to change the Terms under which

www.insuranceagentforyou.com is offered. The most current version of the Terms will supersede

all previous versions. Insurance Agent for You encourages you to periodically review the Terms to

stay informed of our updates.

Contact Us

Insurance Agent for You welcomes your questions or comments regarding the Terms:

Insurance Agent For You

27635 Kingsgate Way

Farmington Hills, Michigan 48334

Email Address:

qdowell@insuranceagentforyou.com

Telephone number:

248-587-7515

Effective as of April 10, 2024