Introduction
Welcome to the Testimony Insurance & Finance Agency Website! By using the Website, you agree to be bound by the terms and conditions contained within the Terms of Service (previously “Terms of Use”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink, and our Privacy Policy. Collectively, these form a legally binding agreement between us and you. THE TERMS OF SERVICE CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS AND DISCLAIMERS OF WARRANTIES AND LIABILITY.
The terms “Testimony”, “T.I.F.A”, “we,” “us,” or “our” mean Testimony Insurance & Finance Agency LLC., a Georgia Corporation, which provides business, marketing, financial and insurance services for the state of Georgia.
General Terms:
By accessing and placing an order with Testimony Insurance & Finance Agency LLC (T.I.F.A), you confirm that you agree with and are bound by the terms of service. These terms apply to the entire website and any email or other type of communication between you and Testimony Insurance & Finance Agency LLC.
under no circumstances shall Testimony Insurance & Finance Agency LLC team be liable for any direct, indirect, special, incidental, or consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or inability to use, the materials on this site, even if Testimony Insurance & Finance Agency LLC team or authorized representative has been advised of the possibility of such damages. If your use of materials from this site results in need of servicing, repair, or correction of equipment or data, you assume any cost thereof.
Testimony Insurance & Finance Agency LLC will not be responsible for any outcome that may occur during the course of usage of our resources. We reserve the rights to change prices and revise the resources usage policy in any moment.
Privacy
Your use of Testimony Insurance & Finance Agency is subject to T.I.F.A’s Privacy policy. Please review our privacy policy, which also governs and informs users of our data collection practices.
Data Collection
You consent to and agree that T.I.F.A may collect data and Personal Data, as defined by our Privacy Policy, from you even though we may not be able to offer you any available products or services for purchase. T.I.F.A currently only sells products or services in a limited number of states and currently only sells limited insurance products. If you voluntarily provide us with any information about yourself or a third party, you agree that T.I.F.A reserves the right to use that data for market analysis, advertising, or other commercial purposes. This is true even if T.I.F.A cannot offer you or a third-party products or services for sale at the time you provide us with this information.
When applying for a commercial automobile insurance policy, you represent that you have provided notice to and obtained consents from your employees that will allow us to obtain any motor vehicle records related to those employees to be used in underwriting decisions.
Communications Services
By Scheduling A Consultation, sending email and text messages to T.I.F.A constitutes electronic communication. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the site, satisfy any legal requirements that such communications be in writing.
By signing up for our Services, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide, except where electronic delivery is not allowed by law or regulation.
You can access your ID cards, policy documents, and related information via any contemporary web browser on an internet-connected device such as a tablet, mobile phone, or laptop. If you are unable to gain access to one of these devices, you are able to call T.I.F.A at (833) 496-6530 and one of our agents can provide you with a physical copy.
Testimony Insurance & Finance Agency site may contain bulletin board services, chat areas, forums, communities, personal web pages, calendars and/or other message or communications facilities designed to enable you to communicate with the T.I.F.A associate or a public group (collectively, communication services). You agree to use the communication services only to post, receive emails, send, and receive messages and materials that are proper and related to particular communications services.
T.I.F.A has no obligation to monitor the communication services. However, T.I.F.A reserves the right to review materials posted to communication services.
T.I.F.A reserves the right to terminate your access to any or all communications services at any time without notice for any reason whatsoever.
T.I.F.A reserve the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request or to edit refuse to post or to remove any information or material, in whole or in part in T.I.F.A’s sole discretion.
Your Account
If you use this site, you are responsible for maintaining confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that T.I.F.A is not responsible for third party access to your account that results from theft or misappropriation of your account. T.I.F.A and its associates reserve the right to refuse or cancel services, terminate accounts, or remove or edit them in our sole discretion.
As a condition to using certain features of our Services, we automatically create accounts for users. Your email address will be your username. Logins will require a one-time password or access to your email inbox for verification. You may not use an email address which purports to represent or impersonate a person other than yourself. We reserve the right to refuse or cancel registration of any username in our sole discretion. You are responsible for maintaining the confidentiality of your username and password. You further agree to notify us immediately, at nabraska@testimonyinsuranceandfinance.com, if you become aware of any unauthorized use involving your username and/or password. You further agree to timely review and reply as appropriate to any transactional email notices we may send you regarding your T.I.F.A account.
Children Under 13
Children under the age of thirteen are not permitted to access the Site, and the Company does not knowingly collect or use any personal information from them. We will take commercially reasonable steps to remove any unintentionally obtained personal information from children under the age of 13 from our database if we come to that realization.
Links to Third Parties Sites/ Third Parties Services
Testimony Insurance & Finance Agency may contain links to other websites (“linked sites). The linked sites are not under the control of T.I.F.A and T.I.F.A is nor responsible for the contents of any linked site, including without limitation any link contained in a linked site, or any changes or updates to the linked site. T.I.F.A provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by T.I.F.A of the site or any association with its operators.
We may display, include, or make available third-party content (including data, information, applications, or other product services or provide links to third party websites or services (“third-parties services”) You acknowledge and agree that we shall not be responsible for any third-party services including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. We do not assume and shall not have any liability or responsibility to you or any other person or entity for any third-party services. Third party services and links solely as a convenience to you and you access and use them entirely at your own risk and subject to such third parties’ terms and conditions.
Intellectual Property Rights
Our names, graphics, and logos used in connection with our Services, service marks, icons, page headers, page layouts, scripts, and unique terminology are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our express and written permission. T.I.F.A makes no proprietary claim to any third-party names, trademarks, or service marks appearing on our Services as the rights related to these names, trademarks, or service marks belong to their respective owners. Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also own copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or the property of our software vendors and is protected by United States and international copyright laws. Any access you may have, including but not limited to, viewing, reading, printing, downloading or otherwise using the Content, Collective Work, or Software does not waive any of our rights and does not entitle you or any third party to any ownership or intellectual property rights. You are solely liable for any damages arising from your infringement of our or any third-party intellectual property rights with respect to the Proprietary Marks, Content, Collective Work, Software, or third-party names, trademarks, or service marks. You are solely responsible for any harm incurred to us or our affiliates as a direct or indirect result of your copying, distributing, redistributing, publishing, or using the same for purposes that are expressly or impliedly in violation of these Terms of Service.
Prohibited Activities
When using the T.I.F.A website, it is important to understand and adhere to the prohibited activities outlined in this section. By accessing and using our website, you agree that it is your responsibility to avoid engaging in these activities, which we, at our discretion, deem to be prohibited.
- Criminal and Tortious Activity: Engaging in criminal or tortious activity is strictly prohibited on the T.I.F.A website. This includes activities such as fraud or misrepresentation, harassment (including verbal harassment), infringement or misappropriation of intellectual property, slander, libel, defamation, and the use of obscene, pornographic, vulgar, or offensive content. Additionally, promoting discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, as well as content that promotes illegal or harmful activities or substances, is strictly prohibited.
- Advertising and Solicitation: Any form of advertising or solicitation of products or services to other users is prohibited on the T.I.F.A website. We aim to maintain a trustworthy and reliable platform, and therefore, we do not allow any user to engage in such activities.
- Impersonation and False Information: Attempting to impersonate another user or entity is strictly prohibited on our website. You must not use a false email address, phone number, postal address, or contact information. Furthermore, using the contact information of another entity or person without proper authorization is also prohibited.
- Unauthorized Access and Automated Use: Attempting to access or search the T.I.F.A services or engaging in any automated use of the system, such as using scripts, spiders, crawlers, or data mining tools to collect data, send comments or messages, post on forums, and request information, is strictly prohibited.
- Security and Network Interference: Any actions that interfere with, disrupt, or create an undue burden on our services or the underlying networks are strictly prohibited. This includes attempting to probe, scan, or test the vulnerability of any T.I.F.A system or network, as well as breaching any security or authentication measures.
- Unauthorized Access and Tampering: Unauthorized access or tampering with non-public areas of the services, T.I.F.A computer systems, or the technical delivery systems of T.I.F.A providers is strictly prohibited.
- Technological Measures and Intellectual Property: Avoiding, bypassing, removing, deactivating, impairing, descrambling, or otherwise circumventing any technological measure implemented by T.I.F.A or any of our authorized third parties to protect the services is strictly prohibited. Additionally, using T.I.F.A trademarks, logos, URLs, or product names in mega tags or other hidden text or metadata without our express written consent is also prohibited.
- Information Usage and Scraping: Using information or scraping information from our services for any purpose whatsoever is strictly prohibited. This includes collecting or storing any personally identifiable information from other users of the services without their express permission.
- Commercial Use and Compliance with Laws: Using our services for any commercial purpose or for the benefit of any third party, or in any manner not permitted by these terms of service, is strictly prohibited. Furthermore, using the services to send altered, deceptive, or false source-identifying information is also prohibited. It is important to use our services in a manner consistent with all applicable laws and regulations.
- Encouragement of Prohibited Activities: Encouraging or enabling any other individual to engage in any of the aforementioned prohibited activities is strictly prohibited.
By using the T.I.F.A website, you acknowledge and agree to abide by these prohibited activities. Failure to comply with these guidelines may result in the termination of your access to our services. We strive to maintain a safe and trustworthy environment for all users, and your cooperation in adhering to these guidelines is greatly appreciated.
Carriers and Partners
T.I.F.A acts as an agent that represents insurance companies to whom it will submit your insurance application and from whom it will procure your insurance coverage.
T.I.F.A and its associates, partner brokerages, risk management, underwriting services, and other consultants may directly or indirectly receive commissions, fees, or interest as compensation for their services or products, or for holding capital. If you have any questions regarding the nature or amount of the compensation paid to T.I.F.A or its partners, we encourage you to contact us.
Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and only permitted to services clients in states T.I.F.A operates in. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.
The Terms of Service may not be modified through oral agreement or statements. The individual employees of T.I.F.A, T.I.F.A partners, and T.I.F.A third party affiliates are not authorized to modify the Terms of Service except by the mechanism stated herein. Any employee offering to modify the Terms of Service is not acting as an agent of T.I.F.A or with proper authority to bind T.I.F.A. You agree not to rely on any statement, written or oral, by any employee or agent of T.I.F.A or any third party with respect to modification or interpretation of the Terms of Service.
Payments
If you pay for any of our one-time payments plans for our services such as consultation, business formation, talent acquisition, marketing, accounting, and financial planning; you agree to pay all fees or charges to your account for the services in accordance with the fees, charges, and billing terms in effect at the time each fee or charge is due and payable. Your payment provider agreements govern your use of the designated credit card account, you may refer to that agreement and not these terms to determine your rights and liabilities with respect to your payment provider. by providing us with your credit card number and associated payment information you agree that we are authorized to verify information immediately, and subsequently invoice your account for all fees and charges due and payable to us hereunder and that no additional notice or consent is required. You agree to immediately notify us of any change in your billing address or the credit card used for payment hereunder. We reserve the right at any time to change our service prices and billing methods, either immediately upon posting on our site or by email delivery to your organization administrator. No contact will exist between you and us for our services until we accept your order by confirmatory email, SMS message, or other appropriate means of communication. You are responsible for any third-party fees that you may incur while using services.
T.I.F.A acts as an insurance agent that provides insurance comparison services. We are not a insurance company therefore all payment on policy should be made to the carrier your policy is written and bound to. You may choose to purchase insurance products from carriers T.I.F.A partners with from us while using our Services, which may result in charges and fees to you, including but not limited to installment, service, and cancellation fees separate from the premium and commission that T.I.F.A may receive. The products and issues involved in understanding, evaluating, purchasing, and managing your policies are complex and involve advice specific to your needs. You are under no obligation to purchase any insurance product in exchange for receiving these services. These fees are fully earned upon binding each of your insurance policy(ies), whether you pay it in full at policy bind and at each renewal. We may inform you in advance of any charges or fees carriers may charge you as it is disclosed to us.
By purchasing an insurance product, you agree to the third-party carrier service coverage and agree that T.I.F.A is not responsible for fees, taxes, refunds of charge, etc. For more information about carriers’ fees and charges we advise you to contact your carrier to inquire about their payment terms and conditions.
You may contact T.I.F.A to seek assistance with contacting your carrier for the following payment inquiries: making a payment on your policy, updating your payment method or information, cancelling your policy. By reading this payment term you understand that quotes provided by T.I.F.A and your premium payment does not bind coverage until the insurance Carrier approves your application. In the event that the insurance carrier does not approve your application, you agree that your premium payment will be refunded by the insurance carrier not T.I.F.A.
You agree that T.I.F.A is not responsible for any interest, late fees, or other type of financial charge on your policy by insurance carrier. If you have any questions regarding the nature or amount of the compensation paid to T.I.F.A or its partner carriers, we encourage you to contact us.
Disclaimers and Limitations on Liability
T.I.F.A makes no warranty of any kind whatsoever – express or implied – with respect to the contents of its Services. T.I.F.A HEREBY DISCLAIMS ANY AND ALL implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Services is at your sole risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, reliability, and completeness of ANY Services. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees – express or implied – regarding quotes or offers provided on or through our Services. As such, we expressly disclaim all liability for any content, products, or services furnished from such service providers.
We further make no representations, guarantees, or warranties that our Services are appropriate or available for use in jurisdictions outside of the United States of America. If you access or otherwise use our Services from these jurisdictions, you do so of your own volition and risk, and are solely responsible for compliance with local and international law.
T.I.F.A will not be held liable to anyone for any liability arising out of, or in any way relating to, any damages, loss, or claim whatsoever, no matter how occasioned, in connection with or arising out of access to or use of the contents of its Services. In no event shall T.I.F.A be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including, but not limited to, loss of use, data, or profits, without regard to the form of any action, including, but not limited to, contract or negligence or other tortious actions, arising out of or in connection with the use, reproduction, or display of the content.
T.I.F.A makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by insurers or other third parties through T.I.F.A Services. T.I.F.A believes the content provided through its Services to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise and, therefore, T.I.F.A does not warrant that its content is accurate, complete, and current. Content that T.I.F.A provides through its Services is meant to assist you with insurance and financial decisions. However, such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage provided to you by T.I.F.A or any insurance company or other third party is subject to that party’s terms, conditions, exclusions, and underwriting practices. Any coverage recommendations made by T.I.F.A are based solely on a defined set of information provided by you and are limited to the products and coverages that T.I.F.A offers. You acknowledge and agree that such recommendations may omit coverage that may be necessary or advisable for you and such recommendations may differ from recommendations that you might receive were you to seek advice specific to your individual circumstances. You must submit a complete application to obtain a particular coverage. Issuance of insurance coverage is dependent on underwriting approval; availability and coverages may vary by state. You must verify information T.I.F.A provides through its Services before relying on that information in whole or in part. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy or other product or service you purchase from entities other than T.I.F.A forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information or descriptions of coverage made available through T.I.F.A Services. Our Service may provide you with offers or quotes with a third-party provider of goods or services. However, you agree that we make no guarantee that all users will be provided with such a quote, and that some of these services may only be available to United States residents and corporations or only available in a portion of states. T.I.F.A may receive fees or commissions from insurers or other third parties with respect to certain transactions made in connection with our Services. Nevertheless, you acknowledge that we are not responsible for any fee arrangement or the terms of any agreement you may enter into with a provider of a product or service through our Services. You hereby release T.I.F.A of any loss, cost, damages, or claim in connection with or arising from your use of a service or product, including any fees charged.
Insurance products are subject to terms and conditions, as well as exclusions that we cannot define on our website and blog. The content published here is only intended to provide you with an overview and general information about policies and products in the insurance industry. YOUR policy will carry details of the specific coverages, terms, conditions, limitations, exclusions. These will be governed by the underwriting guidelines applicable in your state.
If any policy provision is in conflict with the information provide on our website, blog or by any of our agents, kindly note that the policy language is controlling and supersedes all other sources. For more information, please contact us.