Last updated: 25 May 2021
PLEASE READ THE FOLLOWING CAREFULLY BEFORE ACCESSING THE SITE.
Salutations and salutations to those who visit www.toppetcoverages.com, including all subdomains, content, and trademarks. We respectfully request that you read these Terms of Use in order to understand your rights and responsibilities before using our services. You understand that you are legally required to adhere by our Privacy Policy and these Terms of Use by accessing or using the website. Unless we are legally prevented from waiving any rights to need non-electronic documents or an original signature, this contract is binding between you and us. We kindly ask that you withdraw from accessing or using the website if you do not agree to these conditions.
1. Modification.
Kindly note that we retain the right to alter these Terms whenever we deem appropriate. Any modifications will take effect ten (10) days after we post the new terms on the website. You signify your agreement to the amended Terms if you use the Site after this time.
2. Ability to Accept Terms.
The Site is meant for users who are at least 16 years old. Thank you for not using the Site if you are under 16 years old.
3. Site Access.
You may access and use the Site so long as you abide by these Terms and any other relevant laws.
4. Restrictions.
Please be advised that before copying, distributing, displaying, mirroring, framing, or altering any portion of the Site, Content, or Marks (as defined below), you must get our prior written approval. Furthermore, unless otherwise specifically authorized herein, you are not entitled to use, edit, make derivative works from, transmit (through sale, resale, license, sublicense, download, or any other means), reproduce, distribute, display, or give Content (as defined below). Lastly, in order to prevent any automated system, program, algorithm, or technique from interfering with the normal operation of the Site or its services, please refrain from using or activating such.
5. Intellectual Property Rights.
5.1. Content and Marks.
Copyright and other intellectual property laws and treaties protect all of the content on this website, including text, files, articles, brochures, descriptions, goods, software, graphics, photos, sounds, videos, user interfaces, visual layouts, images, brand names, logos, music, artwork, computer code, interactive features, and services. The "look and feel," organization, coordination, expression, selection, and structure of these items are likewise covered by this protection.
The website also includes user-generated material, logos, and trademarks that are either licensed, owned, or controlled by www.toppetcoverages.com. The website's intellectual property, such as its logo and other distinguishing marks, is owned by www.toppetcoverages.com or its connected companies. All third-party trademarks, service marks, and logos are used with permission.
It is crucial to remember that since the rights are reserved, the website and its content are subject to extra protections beyond those that are specifically indicated.
5.2. Use of Content.
The website's content and information are only meant for private, educational, and informative use. Without our prior written approval, it is absolutely forbidden to use, edit, reproduce, distribute, transmit, display publicly, sell, license, decompile, reverse engineer, or engage in any other illegal use of the material for non-personal purposes. Moreover, making derivative works from the material is prohibited.
It is imperative that you preserve all copyright and other proprietary markings when downloading or printing any material.
6. Third-Party Sources and Content.
6.1. The material from sources that are not under our ownership or control—referred to as "Third Party Content" (described below)—can be viewed, accessed, linked to, and used on the Site.
You may engage and communicate with external sources via our platform. These sources can be categorized into two groups: (i) external websites and services that are not associated with our company; and (ii) our partners and customers. You may interact with both kinds of sources on our site as a user.
6.2. Regarding the activities or material supplied by Third Party Sources, we have no control.
Please be advised that we have no liability for any third-party sources' activities, terms of service, privacy policies, or content. Before you do anything with any source, we recommend that you carefully read their terms of use and privacy policies.
6.3. Regarding the truthfulness, suitability, utility, safety, or Intellectual Property Rights (described below) of any Third Party material or linked material, we bear no responsibility and expressly disclaim any warranties.
6.4. You could encounter Third Party Content on the Site that is unreliable, unpleasant, derogatory, or obscene.
You as a user might choose to interact with Third Party Sources or make use of Third Party Content. Whether or whether to engage with these sources is totally up to you and is dependent on their content. Please be aware that you are solely responsible for the choice you make and any associated dangers.
6.5. You are solely liable and responsible for any interactions you have with Third Party Sources.
By using the Site, you agree to giving up any reasonable or legal claims you may have against www.toppetcoverages.com and to hold them harmless for any problems resulting from your interactions with or usage of any Third Party Sources or Content. It is your duty to get in touch with the Third Party Source directly if you have any complaints or issues with any Third Party Content or Third Party Sources.
7. User Submissions.
7.1. Responsibility.
Users may upload, share, distribute, and publish content on this website on their own or on behalf of others. These submissions are referred to as "User Submissions." Please note that regardless of whether they are published or not, we are unable to guarantee the confidentiality of any User Submissions. The content submitter bears full responsibility for their User Submissions and all ramifications that could result from their uploading, publishing, or posting.
Without giving previous warning, we retain the right to monitor, censor, edit, remove, or delete any material on the website, including user submissions, as well as the right to choose whether to publish user submissions. We are free to act in this way for any reason at all.
7.2. Ownership.
By using this website, you agree that we may utilize any intellectual property rights pertaining to your user-submitted content, and that you have the relevant rights and authorizations to do so. Furthermore, you give us permission to include and utilize your inputs in accordance with the conditions specified in our agreement. "Content" includes the things that users have submitted to you. A variety of rights are referred to as intellectual property rights, such as trade secrets, patents, copyrights, trademarks, service marks, and other such types of intellectual property rights. This encompasses moral rights as well as rights to privacy, publicity, and other rights of a similar kind guaranteed by laws or rules enacted by any national or international political, regulatory, or judicial body. Your user-submitted content is entirely your own.
7.3. License to User Submissions.
A user grants www.toppetcoverages.com a non-exclusive, global, transferable, sublicensable, royalty-free, permanent, irrevocable license when they upload material to the website. This license gives www.toppetcoverages.com the right to use, copy, distribute, perform, display, and make derivative works of user material in conjunction with the website and www.toppetcoverages.com’s business. Furthermore, all or portion of the user's material (including derivative works) may be redistributed by www.toppetcoverages.com through any media channels and in any media format.
To the extent allowed by law, the user consents to relinquish their moral rights in their User Submissions by using the Site. In addition, the user provides any viewer or user of the Site the non-exclusive right to use, reproduce, distribute, make derivative works from, display, and perform their User Submissions, all in accordance with the guidelines specified in these Terms.
7.4. Prohibited Content.
We respectfully ask users not to publish, contribute, distribute, upload, or transmit any User Submission that fits into any of the following categories in order to maintain safety and fairness on our platform:
(i) Is unfair or deceptive in any jurisdiction, in violation of consumer protection laws.
(ii) Violates property rights of third parties, such as copyright, trade secrets, and rights of publicity or privacy, unless the user is the lawful owner of such rights.
(iii) Endangers the health or safety of a person, endangers the health or safety of the public, impedes an investigation by law enforcement, or compromises national security.
(iv) Takes on the identity of someone else.
(v) Promotes the use of illegal drugs, violates export control laws, bets illegally, or takes part in the smuggling of weapons.
(vi) Engages in actions that are against the law, indecent, libellous, defamatory of a certain race or ethnicity, intimidating, harassing, or that encourage criminal activity, civil liability, violate any law, or are otherwise regarded improper.
(vii) Concerns theft or acts of terrorism.
(viii) Consists of any conduct deemed fraudulent or malevolent.
Please be aware that any User Submission that fits under one of these categories will be deleted, and that there could be further consequences.
7.5. Exposure.
You may come across User Submissions from a variety of sources while perusing the Site. It is vital to note that www.toppetcoverages.com disclaims all liability for the intellectual property rights, accuracy, usefulness, and security of these user submissions. Additionally, some user-submitted content might be untrue, derogatory, obscene, or inappropriate. You give up all legal or equitable rights or remedies you may have against www.toppetcoverages.com with regard to these subjects by accepting these conditions.
8. Information Description.
Although we do our best to ensure that the material on our website is true, please be aware that we are not able to guarantee it to be accurate, reliable, or comprehensive. We have the right to modify the material at any moment and without warning you in advance. Please be advised that you are entirely responsible for any risks associated with using the material.
9. Disclosure.
It is crucial to realize that the corporation may access, examine, keep, and share any data it collects through your use of the site. This will only happen when it is thought to be legitimately required for certain objectives. These goals include observing and abiding by all applicable laws, rules, court orders, subpoenas, and government requests; looking into possible violations of the terms of the site; identifying, stopping, or resolving fraudulent or security issues; offering assistance and responding to user inquiries; and safeguarding the property, rights, and welfare of www.toppetcoverages.com, its users, or the public at large. We respect your privacy and will only access your information when necessary and in compliance with our privacy policy, so please don't worry.
10. Links.
10.1. The website could have links on it, and you might be able to upload material to other websites that are not within www.toppetcoverages.com’s ownership or control.
Please be aware that our company is not associated with or liable for any content, privacy practices, or other activities on websites that link to it. It is your duty as a user to use these websites sensibly and securely, and to take care with any content you post or share on them. Please be aware that any issues resulting from your usage of third-party websites are beyond of our control. We advise you to carefully read the terms and conditions and privacy statement of every other website you choose to visit in order to protect yourself.
10.2. We permit you to link to the Site provided that:
When linking to the Site, please follow these guidelines:
1. Never duplicate a page from the website using your link.
2. When describing the Content on the Site, use precise link wording.
3. Giving incorrect information about www.toppetcoverages.com or misrepresenting your affiliation with the website are prohibited.
4. Without explicit permission, do not imply that www.toppetcoverages.com recommends any goods or services.
5. It is not allowed to link from a website that violates anyone's or any entity's intellectual property rights, privacy rights, or other rights by having objectionable or contentious material on it.
6. You agree to abide by these Terms and all relevant laws, and so does your website.
11. Privacy.
The website usage is subject to compliance with our Privacy Policy. Kindly review the policy to learn more about the data we collect and use.
12. Warranty Disclaimers.
12.1. Regardless matter whether the services offered on the Site are paid for or supplied for free, this section still applies.
Certain guarantees that are prohibited here may not be allowed.
12.2. THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY KIND OF EXPRESS OR IMPLIED WARRANTY.
RIGHT NOW, THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTIES, EITHER EXPRESSED OR IMPLIED.GO TO WWW.TOPPETCOVERAGES.COM. DISCLAIMS ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, OWNERSHIP, FITNESS FOR A SPECIFIC PURPOSE, NON-VIOLATION, AND THOSE THAT ARISE FROM LAW OR TRADITIONAL BUSINESS PRACTICES. THERE MAY BE BUGS, SECURITY HOLES, OR VIRUS ATTACKS ON THE WEBSITE. THE SITE MIGHT NOT BE AVAILABLE SOMETIMES FOR ROUTINE MAINTENANCE, UPGRADES, OR OTHER REASONS.
THE USER AGREES THAT WWW.TOPPETCOVERAGES.COM WILL NOT BE RESPONSIBLE FOR ANY PROBLEMS THAT MAY ARISE DUE TO TECHNICAL ISSUES WITH CONNECTING TO THE INTERNET, SLOW NETWORK SPEEDS, OR SERVER OVERLOAD, WHETHER THESE ISSUES HAPPEN ON WWW.TOPPETCOVERAGES.COM’S SERVERS OR THOSE OF OTHER COMPANIES. THE THIRD-PARTY CONTENT, GOODS, OR SERVICES SHOWN OR ADVERTISED ON THE SITE ARE NOT BACKED BY, GUARANTEED BY, OR UNDER OUR CONTROL.
12.3. USER-SUBMITTED MATERIAL IS NOT SUBJECT TO APPROVAL, GUARANTEE, OR ASSURANCE BY WWW.TOPPETCOVERAGES.COM. FURTHERMORE, WWW.TOPPETCOVERAGES.COM DISCLAIMS ALL LIABILITY FOR THE CONTENT AND MAKES NO STATEMENTS OR GUARANTEES REGARDING IT.
12.4.THE USER ACKNOWLEDGES THAT WWW.TOPPETCOVERAGES.COM IS NOT LIABLE FOR ANY CONTENT OR BEHAVIOR SUBMITTED BY USERS, INCLUDING OFFENSIVE, DEFAMATORY, UNLAWFUL, OR CARELESS ACTIONS. ALL HARM OR DAMAGE THAT MAY RESULT IS SOLELY THE USER'S RESPONSIBILITY.
12.5.INTERACTION WITH THE CONTENT AND THIRD-PARTY ENTITIES FEATURED ON THE SITE, INCLUDING USER SUBMISSIONS, IS SOLELY YOUR RESPONSIBILITY AS A USER. IN THE EVENT THAT YOU HAVE A DISAGREEMENT WITH A THIRD PARTY AS A RESULT OF USING THE WEBSITE, PLEASE BE AWARE THAT WWW.TOPPETCOVERAGES.COM IS NOT LIABLE FOR ANY CLAIMS OR LOSSES RESULTING FROM THESE DISAGREEMENTS.
12.6. UNLESS OTHERWISE STATED IN OUR PRIVACY POLICY, WE CANNOT GUARANTEE THE SAFETY AND SECURITY OF ANY INFORMATION DISCLOSED OR ACTIVITIES UNDERTOOK ON OUR WEBSITE.
12.7. AIM: TO ENSURE THAT USERS GET UP-TO-DATE INFORMATION ABOUT THE GOODS AND SERVICES SHOWN ON OUR WEBSITE.
We must look into other income streams in order to provide you free access to this material. We may want to charge for the privilege of showcasing third-party organizations on our website. Furthermore, when consumers deal with these organizations or make transactions from them, we could be paid. You may be certain that we won't use any payment from www.toppetcoverages.com to sway the information we publish on our site about any particular third party.
13. Limitation of Liability.
13.1. IN ACCORDANCE WITH THE ABOVE TERMS, WWW.TOPPETCOVERAGES.COM WILL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, OR OTHER DAMAGES THAT MAY RESULT FROM YOUR USE OF THE WEBSITE. THIS INCLUDES ANY LOSS OF INFORMATION, MONEY, PROFITS, OR REGION. IRRESPECTIVE OF WHETHER WWW.TOPPETCOVERAGES.COM WAS INFORMED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, THIS LIABILITY RESTRUCTION APPLIES TO THE MAXIMUM BY LAW.
It may be against the law in certain places to exclude or escape liability for intangible or small losses. This implies that the user could not be subject to the aforementioned limitations.
13.2. THESE TERMS STATE THAT WWW.TOPPETCOVERAGES.COM WILL ONLY BE LIABLE FOR DAMAGES UP TO $1,000 FOLLOWING FROM USING OR BEING UNABLE TO USE THE SITE.
14. Indemnity.
Users should be aware of their obligations to defend, indemnify, and release www.toppetcoverages.com and its affiliates, as well as its officers, directors, employees, and agents, from any and all potential legal claims, damages, liabilities, losses, obligations, costs, and expenses (including legal fees) that may result from using or not using the Site, from User Submissions you may make, from your interactions with other users of the Site, or from any violation of the Terms.
15. Term and Termination.
Unless www.toppetcoverages.com or the user chooses to terminate them, these conditions shall remain in force. In the event that you violate any of these terms, www.toppetcoverages.com has the right to terminate these terms and your access to all or part of the website. If the website or any of its components are discontinued, www.toppetcoverages.com will not be held liable to you or any other person.
Your sole recourse is to cease using the site if you disagree with any of the conditions stated here or any future modifications, or if you are not happy with the service. You have to cease using the site after these terms expire. Even after these terms terminate, some sections will still be in force. These include sections 5 (Intellectual Property Rights), 7.3 (License to User Submissions), 11 (Privacy), 12 (Warranty Disclaimers), 13 (Limitation of Liability), 14 (Indemnity), and 16 (Independent Contractors) to 18 (General).
16. Independent Contractors.
www.toppetcoverages.com is not affiliated with you. There is no agency, partnership, joint venture, or employment arrangement created by these Terms between you and www.toppetcoverages.com. No guarantees, representations, duties, or promises on behalf of www.toppetcoverages.com shall be made by you.
17. Assignment.
You, the user, may not assign or transfer these Terms, nor any associated rights or licenses. On the other hand, www.toppetcoverages.com is free to assign or transfer these Terms without informing you.
18. General.
The people in charge reserve the right to change or discontinue the www.toppetcoverages.com website at any time and without previous warning. Notwithstanding any other laws, the laws of the state in which the business is situated shall govern the agreement between the user and the business. Regarding the website, these phrases represent the whole understanding between the user and the business.
The other sections of these conditions shall still be enforceable and effective even if a court of competent jurisdiction rules that any of them is invalid. Any provision of these conditions that is not enforced does not signify a waiver of that or any other provision. Furthermore, a party's failure to claim a right or provision under these conditions does not amount to a waiver of such component. ANY LEGAL CLAIMS RELATED TO THE WEBSITE MUST BE MADE WITHIN ONE YEAR OF THE CAUSE OF ACTION OR THEY WILL BE PERMANENTLY BARRED.