The terms of using our site.

Acceptance of terms.

By accessing or using our Services, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

Use of the services.

You agree to use the Services only for lawful purposes and in a way that does not infringe the rights of, or restrict the use and enjoyment of, these Services by any third party.

You agree not to:

• Misuse the Services, including by attempting to gain unauthorized access to any part of them.
• Interfere with the proper working of the Services, or introduce viruses or other harmful code.
• Copy, scrape, or republish content from the Services without prior written permission.
• Use the Services in any way that is unlawful, fraudulent, or misleading.
• Submit sensitive information — such as Social Security numbers, financial account details, or health information — through a general inquiry.

We reserve the right to restrict or terminate access to the Services at any time if we believe these Terms have been violated.

Inquiries & no coverage guarantee.

Our Services are informational in nature. Sending us a message, calling our toll-free number, or submitting an inquiry does not:

• Create a client, broker, or agency relationship.
• Bind any coverage, policy, or insurance product.
• Guarantee eligibility, pricing, or terms.

Any quote, estimate, or illustration you receive is not necessarily an offer of binding coverage. Eligibility, final pricing, policy terms, and effective dates must be confirmed by the relevant insurer or authorized agency.

Intellectual property.

All content on the Services — including text, graphics, logos, images, layouts, code, and design — is owned by or licensed to SparkrPomo LLC and is protected by applicable intellectual property laws.

You may view and use the Services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any part of the Services without our prior written consent.

Third-party links & content.

The Services may include links to third-party websites or content. Those links are provided for convenience only. We do not control and are not responsible for the content, policies, or practices of any third-party site.

Your use of any third-party service is at your own risk and is subject to that third party's terms and privacy practices.

Disclaimers.

The Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components. Information on the Services is provided for general informational purposes and may not reflect the most current legal, regulatory, or market developments.

Limitation of liability.

To the fullest extent permitted by law, SparkrPomo LLC and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services — including lost profits, lost data, or business interruption — even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to the Services will not exceed the greater of (a) the amount you paid us (if any) for the specific service giving rise to the claim, or (b) one hundred U.S. dollars (US $100).

Indemnification.

You agree to indemnify and hold harmless SparkrPomo LLC and its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of any third-party right, including intellectual property or privacy rights.

Governing law.

These Terms are governed by the laws of the State of [Your State], without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Services will be resolved in the state or federal courts located in [Your County, State], and you consent to the personal jurisdiction of those courts.

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Changes to these terms.

We may update these Terms from time to time. When we do, we'll revise the “Last updated” date at the top of this page. Your continued use of the Services after any change means you accept the revised Terms.

We encourage you to review these Terms periodically to stay informed about the rules that apply to your use of the Services.

Contact us about these terms.

If you have questions about these Terms & Conditions, reach out using the details in the section below. We're happy to help.