Terms & Conditions

Effective Date: January 1, 2024

1. Agreement and Acceptance

By accessing, browsing, or using the MONEY HUNTERS REPORTS website (the "Website") or engaging our insurance services, you ("User," "Client," or "you") acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions ("Terms") and our Privacy Policy.

These Terms constitute a legally binding agreement between you and MONEY HUNTERS REPORTS, a LA-licensed insurance agency (LA Insurance License #0123456). If you do not agree to these Terms, you must immediately discontinue use of our Website and services.

2. Scope of Services and LA Licensing

MONEY HUNTERS REPORTS is a licensed insurance agency authorized to conduct business in the State of LA under LA Insurance Code provisions. Our services include:

• Insurance Brokerage Services: Providing quotes, comparisons, and recommendations for various insurance products
• Policy Management: Assisting with applications, policy changes, and renewals
• Claims Assistance: Guidance and support during the claims process
• Risk Assessment: Evaluating insurance needs specific to LA risks (earthquakes, wildfires, etc.)
• Regulatory Compliance: Ensuring all transactions comply with LA insurance regulations

3. Website Usage License and Restrictions

Subject to your compliance with these Terms, MONEY HUNTERS REPORTS grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Website for personal, non-commercial purposes related to obtaining insurance information and services.

Permitted Uses

• Browsing insurance information and educational content
• Requesting insurance quotes and comparing coverage options
• Accessing your account and policy information
• Communicating with our licensed agents and staff

Prohibited Activities

You agree not to:

• Use automated systems (bots, scrapers, crawlers) to access or extract data from our Website
• Attempt to gain unauthorized access to our systems, networks, or user accounts
• Transmit viruses, malware, or other harmful code
• Use our services for fraudulent, illegal, or unauthorized purposes
• Violate any applicable LA or federal laws or regulations
• Impersonate another person or entity
• Interfere with or disrupt our Website's functionality or security

4. LA Insurance Regulations and Compliance

Our insurance services are governed by the LA Insurance Code and regulations established by the LA Department of Insurance. Key regulatory provisions include:

Fair Claims Practices

We adhere to LA Insurance Code Section 790.03 regarding fair claims settlement practices and will assist you in understanding your rights during the claims process.

Disclosure Requirements

In accordance with LA law, we provide all required disclosures regarding:

• Commission structures and compensation arrangements
• Insurance company relationships and affiliations
• Policy terms, conditions, and exclusions
• Coverage limitations and deductibles

Consumer Protection

LA residents have specific rights under state insurance laws, including the right to:

• Receive clear, understandable policy information
• File complaints with the LA Department of Insurance
• Cancel policies within specified timeframes
• Receive prompt claim processing and payment

5. Disclaimers and Limitations of Liability

Website and Information Disclaimers

The information, materials, and services provided on our Website are offered "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by LA law, MONEY HUNTERS REPORTS disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, completeness, or timeliness of information
• Uninterrupted or error-free website operation

Insurance Quote Disclaimers

All insurance quotes and estimates provided are:

• Based on information you provide and subject to verification
• Preliminary estimates subject to underwriting approval
• Subject to change based on final application review
• Not binding until a policy is issued by the insurance company

Limitation of Liability

To the maximum extent permitted by LA law, MONEY HUNTERS REPORTS's total liability for any claims arising from or related to these Terms or our services shall not exceed the total amount of commissions received by us for the specific insurance policy in question.

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, even if we have been advised of the possibility of such damages.

6. Client Responsibilities and Obligations

As a client of MONEY HUNTERS REPORTS, you agree to fulfill the following responsibilities to ensure proper insurance coverage and compliance with LA insurance regulations:

Information Accuracy and Disclosure

• Truthful Information: Provide accurate, complete, and truthful information in all applications, quotes, and communications
• Material Changes: Promptly notify us of any material changes that may affect your insurance coverage or risk profile
• Documentation: Provide all requested documentation and supporting materials in a timely manner
• Updates: Keep your contact information and policy details current

Financial Obligations

• Premium Payments: Pay all insurance premiums when due to maintain continuous coverage
• Deductibles: Understand and be prepared to pay applicable deductibles for claims
• Fees: Pay any applicable service fees as disclosed and agreed upon

Policy Compliance

• Terms Adherence: Comply with all terms, conditions, and requirements of your insurance policies
• Claims Reporting: Report claims promptly to the insurance company and provide all necessary documentation
• Risk Management: Take reasonable steps to prevent losses and maintain insurability
• Legal Compliance: Comply with all applicable LA and federal laws

7. Information Accuracy and Quote Validity

Insurance quotes and coverage recommendations are based on the information you provide. The accuracy and validity of our services depend on complete and truthful disclosure.

Quote Limitations

• Preliminary Nature: All quotes are preliminary estimates subject to underwriting review
• Expiration: Quotes typically expire within 30 days unless otherwise specified
• Rate Changes: Insurance rates may change due to market conditions, regulatory changes, or carrier decisions
• Underwriting: Final coverage and rates are subject to insurance company underwriting approval

Information Updates

You must notify us immediately of any changes that could affect your insurance coverage, including but not limited to:

• Changes in address, occupation, or marital status
• Addition or removal of drivers, vehicles, or properties
• Changes in coverage needs or risk exposure
• Claims history or driving record changes

8. Privacy and Data Protection

Your privacy and the protection of your personal information are of paramount importance to us. Our data collection, use, and protection practices are governed by our Privacy Policy, which complies with the LA Consumer Privacy Act (CCPA) and LA Privacy Rights Act (CPRA).

By using our services, you acknowledge that you have read and understood our Privacy Policy and consent to our data practices as described therein. For detailed information about how we collect, use, and protect your personal information, please review our Privacy Policy.

9. Third-Party Services and Links

Our Website may contain links to third-party websites, services, or applications that are not owned, controlled, or operated by MONEY HUNTERS REPORTS. These may include insurance company websites, payment processors, and other service providers.

Third-Party Disclaimer

• We do not endorse, warrant, or assume responsibility for third-party content or services
• Third-party websites have their own terms of use and privacy policies
• We are not liable for any damages or losses resulting from your use of third-party services
• You access third-party services at your own risk

Insurance Company Relationships

We maintain professional relationships with various licensed insurance companies to provide you with coverage options. These relationships do not create any additional obligations or liabilities beyond those specified in your insurance policies.

10. Intellectual Property Rights

All content, materials, and intellectual property on our Website, including but not limited to text, graphics, logos, images, software, and design elements, are owned by or licensed to MONEY HUNTERS REPORTS and are protected by LA and federal intellectual property laws.

Copyright and Trademarks

• All content is protected by copyright, trademark, and other intellectual property laws
• You may not reproduce, distribute, modify, or create derivative works without written permission
• The MONEY HUNTERS REPORTS name and logo are trademarks of our company
• Unauthorized use of our intellectual property may result in legal action

11. Terms Modifications and Updates

MONEY HUNTERS REPORTS reserves the right to modify, update, or revise these Terms and Conditions at any time to reflect changes in our services, legal requirements, or business practices. Such modifications are effective immediately upon posting to our Website.

Notification of Changes

• Material changes will be communicated via email to registered users
• Notice of changes will be posted prominently on our Website
• Continued use of our services constitutes acceptance of modified terms
• If you disagree with changes, you must discontinue use of our services

Important: It is your responsibility to review these Terms periodically for updates. We recommend checking this page monthly or before engaging our services.

12. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the State of LA, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Stanislaus County, LA.

LA Regulatory Authority

As a LA-licensed insurance agency, we are subject to regulation by the LA Department of Insurance. For regulatory matters or complaints, you may contact:

• LA Department of Insurance
• Consumer Hotline: 1-800-927-4357
• Website: www.insurance.ca.gov

13. Dispute Resolution and Arbitration

In the event of any dispute arising from or relating to these Terms or our services, the parties agree to first attempt resolution through good faith negotiation. If negotiation fails, disputes may be subject to binding arbitration under LA law.

Arbitration Procedures

• Arbitration shall be conducted under the rules of the American Arbitration Association
• The arbitration shall take place in Stanislaus County, LA
• Each party shall bear their own costs and attorney fees
• The arbitrator's decision shall be final and binding

Exception: Either party may seek injunctive relief in court for protection of intellectual property rights or confidential information.

14. Service Termination and Account Closure

Either party may terminate the service relationship at any time, subject to the terms and conditions outlined below. Termination does not relieve either party of obligations incurred prior to the termination date.

Termination by Client

• You may terminate our services at any time by providing written notice
• Active insurance policies will remain in effect according to their terms
• You remain responsible for any outstanding premiums or fees
• We will assist with policy transfers to new agents upon request

Termination by MONEY HUNTERS REPORTS

We may terminate our services in the following circumstances:

• Violation of these Terms and Conditions
• Fraudulent or illegal activity
• Non-payment of premiums or fees
• Misrepresentation of information
• Business reasons with 30 days' written notice

15. Contact Information and Legal Notices

For questions, concerns, or legal notices regarding these Terms and Conditions, please contact us using the information below: