Terms and Conditions

1. Eligibility and Acceptance

• You represent that you are at least 18 years old and legally able to agree to these Terms.
• If you use the Services on behalf of an organization, you confirm authority to bind it.
• If you do not agree to these Terms, do not use the Services.

2. Services and Informational Nature

Liberty Vanguard provides digital marketing, lead generation, and informational content related to insurance and related services. Content is for general information only and is not legal, financial, tax, medical, or professional advice.

Nothing on this site guarantees eligibility, premium rates, policy approval, or specific coverage outcomes. Final terms depend on underwriting and provider rules.

3. No Professional or Emergency Advice

Using this site does not create an advisor-client, broker-client, fiduciary, legal, medical, or emergency-response relationship. If you need urgent help, contact a qualified professional or emergency services directly.

4. Prohibited Uses

You agree not to:

• Use the Services for unlawful, fraudulent, or deceptive purposes.
• Interfere with site operations, security features, or system integrity.
• Scrape, harvest, or systematically collect data without authorization.
• Upload malicious code, bots, spyware, or harmful payloads.
• Impersonate others or misrepresent identity or affiliation.
• Use the Services in violation of applicable law or regulation.

5. Intellectual Property Rights

All software, content, design assets, branding, logos, trademarks, and related material on the Services are owned by or licensed to Liberty Vanguard and protected by applicable intellectual property laws. No rights are granted except the limited right to use the Services for lawful personal and non-commercial purposes.

6. Third-Party Links and External Services

The Services may include links to third-party websites, including portfolio brands, partners, and service providers. We do not control third-party content, policies, or availability and are not responsible for their practices.

7. User Submissions and Feedback

If you submit inquiries, suggestions, feedback, or other materials, you grant us a non-exclusive, worldwide, royalty-free right to use that information for business operations, service improvement, and communication, subject to our Privacy Policy.

8. Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation, or that all defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by law, Liberty Vanguard and its affiliates, officers, employees, and agents are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, lost data, or business interruption, arising from or related to your use of the Services.

If a direct-damages cap is required by law, aggregate liability will not exceed the greater of one hundred U.S. dollars (USD $100) or amounts paid by you to Liberty Vanguard, if any, during the six months preceding the claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless Liberty Vanguard from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Services, violation of these Terms, or infringement of third-party rights.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. You agree that disputes will be resolved in state or federal courts with proper jurisdiction in Florida unless otherwise required by applicable law.

11.1 Informal resolution first

Before filing a formal claim, both sides agree to first try good-faith informal resolution through written notice and a 30-day negotiation period.

11.2 Arbitration option and class waiver

Where enforceable, disputes not resolved informally may be submitted to binding arbitration on an individual basis. You and Liberty Vanguard waive any right to participate in class actions, consolidated proceedings, or representative claims, except where prohibited by law.

12. Site Changes and Availability

We may modify, suspend, or discontinue any part of the Services at any time without liability. We may also revise content, features, or pricing structures as needed for operations, compliance, or business changes.

13. Termination

We may suspend or terminate access to the Services at our discretion if we reasonably believe you have violated these Terms or applicable law, or if continued access presents legal, security, or operational risk.

14. Privacy and Data Handling

Your use of the Services is also subject to our Privacy Policy, which describes our data collection, use, and disclosure practices.

15. Assignment, Severability, and Entire Agreement

We may assign these Terms in connection with a merger, acquisition, or asset transfer. If any provision is found unenforceable, the remaining provisions remain in full force. These Terms and the Privacy Policy form the entire agreement regarding site use.

16. Updates to Terms

We may update these Terms from time to time. Updated versions become effective when posted. Continued use of the Services after updates are posted constitutes acceptance of the revised Terms, to the extent allowed by law.

17. Contact

Questions regarding these Terms can be directed to thelibertyvanguard@gmail.com.