Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using our service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not access or use the service.

2. Eligibility

You must be at least 13 years old to use this service. If you are between 13 and 18 years old, you must have permission from a parent or legal guardian.

By using the service, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

3.1 Account Creation

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for safeguarding your account credentials. We implement security measures, but you must also take reasonable steps to protect your account.

4. Acceptable Use

4.1 Permitted Use

You may use the service only for lawful purposes and in accordance with these Terms.

4.2 Prohibited Activities

You agree NOT to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights of others
• Upload viruses, malware, or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service or servers
• Engage in automated scraping or data collection without permission
• Impersonate any person or entity
• Harass, abuse, or harm other users
• Transmit spam or unsolicited communications
• Use the service for illegal purposes
• Reverse engineer or decompile any part of the service
• Attempt to bypass security measures or rate limits

5. User Content

5.1 Your Content

You retain ownership of any content you submit to the service ("User Content"). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and distribute your content solely to provide the service.

5.2 Content Standards

You are solely responsible for your User Content. You represent and warrant that:

• You own or have the necessary rights to the content
• The content does not violate any laws or third-party rights
• The content does not contain malware or malicious code
• The content complies with these Terms

5.3 Content Moderation

We reserve the right (but have no obligation) to monitor, remove, or modify User Content that violates these Terms or is otherwise objectionable.

6. Intellectual Property

6.1 Our Rights

The service, including its design, code, features, and content (excluding User Content), is owned by us and protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the service for personal or business purposes in accordance with these Terms.

7. Fees and Payment

Some features may require payment. If you choose to purchase paid features:

• Fees are as stated at the time of purchase
• All fees are non-refundable unless required by law
• We may change fees with 30 days notice
• You authorize us to charge your payment method
• Subscription fees are billed in advance

8. Termination

8.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature.

8.2 Termination by Us

We may suspend or terminate your account at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Extended periods of inactivity
• Risk to security or integrity of the service
• Any reason at our discretion

8.3 Effect of Termination

Upon termination:

• Your right to access the service immediately ceases
• We may delete your account and User Content
• Provisions that should survive termination will remain in effect

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The service will be uninterrupted or error-free
• Defects will be corrected
• The service is free of viruses or harmful components
• Results from using the service will be accurate or reliable

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Our total liability for any claims arising from these Terms or the service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold us harmless from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your User Content

12. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated through:

• Email notification to your registered email
• Prominent notice on the service
• Updated "Last Updated" date at the top of this page

Your continued use of the service after changes indicates acceptance of the updated Terms. If you do not agree, you must stop using the service.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts of the State of California.

14. Dispute Resolution

14.1 Informal Resolution

Before filing any legal claim, you agree to contact us to attempt to resolve the dispute informally.

14.2 Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration, except for:

• Small claims court cases
• Intellectual property disputes
• Claims for injunctive relief

15. Miscellaneous

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.

15.2 Severability

If any provision is found to be unenforceable, the remaining provisions will remain in full effect.

15.3 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

15.4 Assignment

You may not assign these Terms without our consent. We may assign these Terms without notice.

16. Contact Information

For questions about these Terms, please contact us:

• Email: quotes@example.com
• Contact Form: /contact