Terms of Service

Last Updated: 04/25/2025

This website is operated by Daniel Brown. Throughout the site, the terms “we”, “us” and “our” refer to Daniel Brown. Daniel Brown offers this website, including all information and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated in our Privacy Policy.

By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page.

We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Section 1 – Representation

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in Arizona and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.

Section 2 – General Conditions

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

Section 3 – Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only.

Any reliance on the material on this site is at your own risk. This site may contain certain historical information. We reserve the right to modify the contents of this site at any time.

Section 4 – Modifications to the Service and Prices

Our services are subject to change without notice. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

Section 5 – Optional Tools

We may provide you with access to third-party tools over which we neither monitor nor have any control.

You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion.

Section 6 – Third-Party Links

Certain content, products and services available via our Service may include materials from third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites.

Section 7 – User Comments, Feedback and Other Submissions

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials (collectively, ‘comments’), you agree that we may, at any time, without restriction, use in any medium any comments that you forward to us.

You agree that your comments will not violate any right of any third-party. You are solely responsible for any comments you make.

Section 8 – Personal Information

Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy, visit the Privacy Policy page.

Section 9 – Errors, Inaccuracies and Omissions

Occasionally there may be information on our site that contains typographical errors, inaccuracies or omissions related to descriptions, pricing, promotions, offers, shipping charges, transit times, and availability.

We reserve the right to correct any errors or inaccuracies at any time without prior notice.

Section 10 – Prohibited Uses

You are prohibited from using the site or its content for any unlawful purpose or to violate any international, federal, provincial, or state regulations.

Section 11 – Disclaimer of Warranties; Limitation of Liability

We do not guarantee, represent, or warrant that your use of our Service will be uninterrupted, timely, secure or error-free.

In no case shall Daniel Brown, our directors, officers, employees, affiliates, agents, contractors, suppliers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, or consequential damages of any kind.

Section 12 – Indemnification

You agree to indemnify, defend and hold harmless Daniel Brown and our affiliates, partners, officers, directors, agents, contractors, licensors, suppliers, and employees, from any claim or demand, including reasonable attorneys’ fees.

Section 13 – Severability

If any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law.

Section 14 – Termination

These Terms of Service are effective unless and until terminated by either you or us. You may terminate by notifying us or when you cease using our site.

Section 15 – Entire Agreement

These Terms of Service constitute the entire agreement and understanding between you and us, superseding any prior agreements, communications and proposals.

Section 16 – Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Arizona.

Section 17 – Changes to Terms of Service

You can review the most current version of the Terms of Service at any time at this page. Changes posted to the website are effective immediately.

Section 18 – Contact Information

Questions about the Terms of Service should be sent to us at:

Email: [email protected]

State Licensed & Regulated Insurance Producer

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