Welcome to Trusted Coverage Help.com, operated by TellyTox LLC (referred to as “Company,” “we,” “us,” or “our”). Before you begin to use the Trusted Coverage Help.com website (“Company Website”), please take a moment to review this Terms & Conditions Agreement (“Agreement”). The Agreement describes the terms and conditions applicable to your use of the Company Website and the products and services provided through or in connection with the Company Website (collectively, “Service”), which may be updated by Company from time to time without notice to you.
You must read and agree to all of the terms and conditions contained in this Agreement and the Company Website Privacy Policy then in effect (“Privacy Policy”), which is incorporated by reference, before you use the Service. By accessing the Company Website, you agree to abide by these Terms & Conditions and the Privacy Policy, which include a binding arbitration requirement and a waiver of your right to participate in class actions against both us and any third-party service providers we work with. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.
By accessing or using the Site, you confirm that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree with any part of these terms, you must not use the Site.
If you enter into a separate written agreement with us for particular services, that agreement will govern to the extent it conflicts with these Terms. If you do not meet these eligibility requirements above, you must discontinue use of this Site immediately.
We may update these Terms at our discretion at any time. Changes will be posted on the Site and/or sent by email. Your continued use of the Site after these changes constitutes your acceptance of the updated Terms.
Use of the services is limited to parties that can lawfully enter into and form contracts under applicable law. Our services are not intended for anyone under 18 years old, and minors are not permitted to use the Service. By using this Service, you represent and warrant that you meet these eligibility requirements. If you do not meet these requirements, you must immediately discontinue use of this Site.
Company respects your privacy. Use of our Site is also subject to the terms and conditions of our Privacy Policy. See Trusted Coverage Help.com's Privacy Policy for additional information regarding your use of our Website. If you have questions about these Terms or the Privacy Policy, please email info@tellytox.com.
ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS OR TO BRING CLASS ACTIONS AGAINST BOTH US AND ANY THIRD-PARTY SERVICE PROVIDERS WE WORK WITH. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.
Except where prohibited by law, you and we agree that any and all claims, disputes, or controversies arising out of or relating to the use of this website, to the services provided by Trusted Coverage Help.com and its partners, any consents you have provided to us, or to any information, products, or services purchased or requested through this site, will be resolved exclusively and finally by binding arbitration.
The arbitration shall be governed by the Commercial Dispute Resolution Rules and the Supplementary Procedures for Consumer Related Disputes (collectively, the "AAA Rules") of the American Arbitration Association ("AAA") and will be administered by the AAA.
The arbitration shall be held at a location that is reasonably convenient to you, and, if the claim qualifies, may be conducted by telephone or in accordance with the AAA Rules for individual (non-class) arbitration. If the AAA declines to accept a matter submitted for individual (non-class) arbitration, the arbitration shall instead be administered by another widely recognized arbitration organization that is mutually agreeable to the parties, and neither party shall unreasonably withhold consent.
Before either party may seek arbitration, that party must first send a written notice of the dispute to the other party by certified mail, or by other agreed method of delivery, describing the nature of the claim and the relief sought. A party may only file for arbitration after this notice period has passed without resolution, as required by the Federal Arbitration Act.
A judgment upon the award rendered by the arbitrator may be entered in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no party to arbitration proceedings may bring class, collective, or representative claims against the other, and the arbitrator may not consolidate more than one person's claims.
You are entitled to a fair hearing before the arbitrator. Arbitration decisions are enforceable in the same manner as any court order and are subject only to very limited review by a court. By using Trusted Coverage Help.com, submitting online requests or forms, or consenting to be contacted, you agree to these arbitration terms.
All material that appears on this website is for general informational purposes only. While we try to ensure that any information we post to this website is both timely and accurate, errors may appear from time to time. This website may not be updated daily, and certain information may not be the most current information available. Though we may post follow-up information and reports, we may not go back and update all information on our site. Before you act on information you have found on our website, we strongly recommend you confirm its accuracy and completeness before you proceed to any decision.
Company is not responsible for, and cannot guarantee the performance of, any products or services provided by any advertisers on this website. A link to a third party's site should not be construed as an endorsement of the content, products, services, or persons offered on that site, or as an assurance that we consider that content to be reasonable or useful.
Although we make this website freely accessible, we do not intend to give up our rights, or anyone else's rights, to the materials available through this website. The materials available through this website are protected by copyright, trademark, and other intellectual property laws. Except for the limited licenses expressly granted to you in this Agreement, Company and its licensors reserve all other rights to the material found through this website, and you may not reproduce or copy any of the materials found through this website in any way, or for any commercial purpose, without our prior consent. You are also not permitted to frame or inline link to our website. Requests for permission to reproduce or distribute materials found on this website should be sent to info@tellytox.com.
The Site may contain links to third-party websites that we do not own or control. We provide such links for your convenience only and do not endorse their content, products, or services, or any privacy policies of any third-party sites you visit. If you have any questions or concerns about monitoring and complying with the terms and conditions or privacy policies of any third-party website you visit, please contact that site directly.
Trusted Coverage Help.com and TellyTox LLC, and their respective trademarks, service marks, trade names, product and process names, and phrases displayed on this website are the trademarks or trade dress of the Company or its licensors. You agree not to display or use in any manner the Company Marks without Company's prior written permission. All other trademarks, service marks, and logos used on this site are the property of their respective owners.
The Site's design, text, graphics, images, and other content, along with the overall "look and feel," are protected by intellectual property laws and are either owned by us or used with permission. You may not copy, reproduce, modify, distribute, republish, reverse-engineer, publicly display, or create derivative works from this content without our written permission.
You should report any violations of this Agreement to info@tellytox.com.
We take violations seriously and reserve the right to take any action we deem appropriate in response, including but not limited to suspension or permanent termination of your access to the Site, referral to law enforcement, and pursuit of civil and/or legal remedies.
You are solely responsible for any information that you submit or post on this website. By using this website, you agree not to submit, post, or transmit any unlawful, obscene, defamatory, or otherwise objectionable material, or any material that infringes upon the rights of any third party, or any material that we believe, in our sole discretion, violates or infringes upon the rights of any third party.
We retain the right to deny access to anyone we believe has violated these or any other Terms of this Agreement. We assume no obligation to monitor or review submissions or postings that we consider unacceptable or unlawful.
We will comply with all applicable legal requirements regarding your submissions or postings on the website, including any applicable requirements regarding the disclosure of certain types of content.
(Accuracy) You represent and warrant that all information you submit to us is accurate and complete. If you do not provide such information in a timely manner, we reserve the right to deny, suspend, or terminate your access to the Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without notice.
Through the Site, we solicit inquiries or applications for products or services ("Services") offered by us or by independent third-party insurance agents and providers ("Third-Party Providers") who advertise through or in connection with the Site, including licensed insurance agents and carriers. We do not directly supply any products or services shown on the Site – all final terms and conditions will come from the relevant Third-Party Provider.
Information you provide to us, including but not limited to your name, phone number, email address, and other requested details ("Registration Data"), will be handled according to our Privacy Policy. We are not responsible for any Third-Party Provider's offerings, nor for any disputes between you and them.
You represent and warrant that:
– All Registration Data you submit is truthful, accurate, and belongs to you;
– You are the authorized subscriber for any phone number or email address provided;
– You are a U.S. resident and at least 18 years old;
– You are not submitting information on behalf of another person without their express consent; and
– You have the legal right and authority to enter into this Agreement.
If your Registration Data changes, you must notify us promptly. Failure to do so may subject you to liability and indemnification obligations if inaccurate information causes harm.
When using the Site, you agree not to:
– Engage in harassment, defamation, threats, or any unlawful activity;
– Post or transmit obscene, pornographic, discriminatory, or otherwise unlawful material;
– Commit fraud, impersonate another person, or interfere with others' use of the Site; or
– Use any automated means, including bots, scrapers, or similar devices, to collect data from the Site without our prior written consent.
We may suspend or terminate your access to the Site at any time, without notice, for violating these guidelines.
All product information on the Site is provided for educational and general informational purposes only and may change without notice. We make no guarantees regarding the completeness, accuracy, or timeliness of any information provided on the Site.
You should always verify details with the applicable Third-Party Provider, licensed insurance agent, or authorized representative before making any decisions based on information found on this website.
Third-Party Providers contacted through the Site are considered intended beneficiaries of specific sections of these Terms, particularly those relating to your representations and warranties, your limitation of liability, and indemnification obligations. Such Third-Party Providers shall have the right to enforce these provisions directly against you as if they were a party to this Agreement.
You agree to indemnify, defend, and hold harmless Company, including its parents, subsidiaries, and affiliates, and all of their respective employees, agents, licensors, and directors, from and against any claims, losses, expenses, and costs (including reasonable attorneys' fees) resulting from:
– Any breach of this Agreement;
– Any violation of applicable laws or regulations;
– Your unauthorized use of the Site; or
– Any inaccurate or false information you have provided.
Your indemnification obligation shall survive the termination of this Agreement. At our expense and election, we reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims.
YOU AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. BECAUSE OF THE NUMBER OF POSSIBLE SOURCES OF INFORMATION AVAILABLE THROUGH THE WEBSITE, AND THE INHERENT HAZARDS AND UNCERTAINTIES OF ELECTRONIC DISTRIBUTION, THERE MAY BE INTERRUPTIONS, DELAYS, OMISSIONS, INACCURACIES, OR OTHER PROBLEMS WITH SUCH INFORMATION. IF YOU RELY ON THIS WEBSITE OR ANY MATERIAL AVAILABLE THROUGH THIS WEBSITE, YOU DO SO AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS WEBSITE.
THIS WEBSITE IS PROVIDED TO YOU “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE.” COMPANY AND ITS AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, USEFULNESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE WEBSITE, NOR DO THEY GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, OR CONTINUOUSLY AVAILABLE, OR THAT THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
UNDER NO CIRCUMSTANCES SHALL COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) OR ITS AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES ARISING OUT OF ANY USE OR MISUSE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, LIABILITY FOR CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES, EVEN IF ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF THE FORM OR CAUSE OF ACTION INCLUDING, BUT NOT LIMITED TO, CONTRACT, NEGLIGENCE, AND OTHER TORT ACTIONS.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF COMPANY AND ITS AGENTS AND LICENSORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.
YOU AGREE THAT THE LIABILITY OF COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) AND ITS AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM IN ANY WAY CONNECTED TO THE WEBSITE, SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPANY FOR THE USE OF THE WEBSITE.
Some jurisdictions do not allow the exclusion of certain warranties, or the limitation or exclusion of liability for incidental or consequential damages, so some of the above limitations may not apply to you. To the extent a court determines any provision of this Agreement to be unenforceable, such determination shall not affect the validity of the remaining terms of this Agreement; that provision shall instead be enforced to the maximum extent permissible so as to reflect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect.
You agree that Company may provide any notices to you via email or regular mail, without requiring confirmation of receipt. All notices to Company should be sent by regular mail or email addressed to Company at the contact information set forth in Section 24 below.
Unless expressly permitted in writing by Company, you agree not to reproduce, duplicate, copy, sell, resell, or otherwise exploit for any commercial purpose any portion of the Service, use of the Service, or access to the Service.
Company reserves the right at any time to terminate your use of this website if you fail to comply in full with any term of this Agreement, or any other terms, agreements, or policies that apply to this website and the use of it. Upon termination, all licenses granted to you under this Agreement will immediately cease. Provisions that by their nature should survive termination shall survive, including but not limited to: indemnification, disclaimers, limitations of liability, and binding arbitration.
We may periodically change these Terms & Conditions and the Site without notice, and any such changes will be effective immediately upon posting to the Site or upon email notification, whichever occurs first. If you continue to use the Site after amended Terms & Conditions have been posted, we will treat that continued use as your acceptance of, and agreement to abide by, the updated Terms.
We invite you to send us questions or comments, including any feedback, ideas, suggestions, or other information regarding the Site or our Services (collectively, "Comments"). You acknowledge and agree that all Comments shall be deemed non-confidential. You hereby grant Company a fully-paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display any such Comments (in whole or in part), in any media or technology now known or later developed, for the full term of any rights that may exist in such Comments.
– If any part of this Agreement is found to be invalid or unenforceable by a court of competent jurisdiction, that section shall be limited or eliminated to the minimum extent necessary, and the remainder of this Agreement shall remain in full force and effect.
– Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.
– Certain provisions of these Terms (including disclaimers, indemnification, and binding arbitration) will survive any termination of your access to the Site.
– These Terms, together with our Privacy Policy, constitute the entire agreement between you and Company with respect to the Site, and supersede all prior or contemporaneous understandings, whether written or oral.
– This Agreement shall be governed by and construed in accordance with the laws of the United States and the state in which TellyTox LLC is registered, without regard to conflict of laws principles.
For questions regarding these Terms or our services, please contact:
Email: info@tellytox.com
Phone: +1 (954) 326-4562
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.