Terms and Conditions
Welcome to the Pro-tech Life Insurance Limited Liability website. By accessing or using our website, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services. If you do not agree with these terms, you should not use our website.
1. Acceptance of Terms
By accessing or using our website, you agree to these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must discontinue use of our website immediately.
2. Use of the Website
Eligibility: You must be at least 18 years old to use our website and services. By using our website, you represent and warrant that you are at least 18 years old.
Account Responsibility: If you create an account on our website, you are responsible for maintaining the confidentiality of your account information and password. You agree to accept responsibility for all activities that occur under your account.
Prohibited Conduct: You agree not to use our website for any unlawful purpose or in any way that could harm, disable, overburden, or impair the website. Prohibited activities include, but are not limited to, engaging in any form of hacking, spamming, phishing, or unauthorized data collection.
3. Insurance Services
Application and Acceptance: The submission of an application for insurance does not guarantee acceptance. All applications are subject to underwriting approval and other terms and conditions as determined by Pro-tech Life Insurance Limited Liability.
Policy Terms: Insurance coverage is subject to the terms and conditions of the policy issued to you. Please read your policy carefully for details on coverage, exclusions, limitations, and conditions.
4. Intellectual Property
Ownership: All content on our website, including text, graphics, logos, images, and software, is the property of Pro-tech Life Insurance Limited Liability or its licensors and is protected by intellectual property laws.
Use License: You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent.
5. Disclaimers and Limitation of Liability
No Warranty: Our website and services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the website or its content, including but not limited to warranties of accuracy, reliability, or availability.
Limitation of Liability: To the fullest extent permitted by law, Pro-tech Life Insurance Limited Liability shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of or inability to use our website or services.
6. Changes to the Terms
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.
7. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws , without regard to its conflict of law principles. Any disputes arising out of or relating to these terms shall be resolved exclusively in the courts.