Terms and Conditions
1. Acceptance of Terms
These Terms and Conditions ("Terms") govern your access to and use of the website www.assurebyrgd.com and any interactions with our social media pages on Instagram and Facebook operating under the handle "AssurebyRGD" (collectively referred to as "our online platforms"). These platforms and services are provided by Rachel Grace Duffy, a licensed life insurance agent operating as a sole proprietor. "AssurebyRGD" is a name used solely for branding on social media platforms and does not represent a legal entity or company. By accessing or using our online platforms, you acknowledge that you have read, understood, and agree to be bound by these Terms.
2. Use of Online Platforms
Our online platforms are intended for informational purposes only. The content provided is not, and should not be construed as, financial, legal, or insurance advice. While Rachel Grace Duffy strives to provide accurate and up-to-date information, all information is provided "as is," and no representations or warranties are made regarding the accuracy, completeness, or reliability of the content. Your reliance on any information provided is strictly at your own risk.
You agree to use our online platforms only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, our online platforms by any third party. Such prohibited conduct includes, but is not limited to:
3. Intellectual Property Rights
All content included on our online platforms, such as text, graphics, logos, images, audio clips, video, data, music, software, and other material (collectively "Content"), is the property of Rachel Grace Duffy or its licensors and is protected by United States and international copyright laws. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any Content without express written consent.
4. Licensing and Service Area
Rachel Grace Duffy is a licensed life insurance agent in the following states: North Carolina (home state), Arizona, Virginia, Texas, and California. The marketing and sale of life insurance products are limited to residents of these states, and no offer is made to individuals outside of these jurisdictions. You agree to only seek services or advice if you are a resident of the aforementioned states.
5. Electronic Communications and Transactions
By contacting AssurebyRGD and/or Rachel Grace Duffy through any electronic channel, including but not limited to email, text, social media platforms, and website forms, you agree to receive electronic communications from us. You acknowledge that by initiating contact, you are voluntarily requesting information about life insurance products or services. The life insurance companies (carriers) with whom Rachel Grace Duffy is appointed may allow for the use of electronic applications and electronic signatures to streamline the process. While Rachel facilitates this process by working with these carriers, she cannot be held responsible for the security or performance of their platforms. It is the responsibility of each carrier to ensure the security and functionality of their electronic systems. You are responsible for maintaining the security of your own devices and internet connection when accessing our online platforms or engaging in electronic transactions.
6. Collection and Protection of Sensitive Information
Rachel Grace Duffy will never request sensitive personal information, such as Social Security numbers or banking information, via the website, social media platforms, or text message. This information is only required for completing a life insurance application with a carrier with whom Rachel Grace Duffy is appointed. Sensitive information will only be collected through the following secure methods:
No other methods will be used to collect sensitive information, and you are responsible for ensuring compliance with these protocols. Any deviation from these methods may expose you to fraud or data breaches, and Rachel Grace Duffy disclaims all liability for any resulting losses or damages.
7. Disclaimer of Warranties
Our online platforms and all content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement. Rachel Grace Duffy does not warrant that the online platforms will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
8. Limitation of Liability
To the maximum extent permitted by law, Rachel Grace Duffy shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including, but not limited to, lost profits, lost data, or any other damages arising out of or related to the use or inability to use our online platforms or any content or services provided, even if advised of the possibility of such damages. Your sole remedy for dissatisfaction with our platforms or services is to discontinue use.
9. Indemnification
You agree to indemnify, defend, and hold harmless Rachel Grace Duffy, including all officers, employees, agents, and representatives, from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney’s fees) arising out of or in connection with your use of our online platforms, your violation of these Terms, or your violation of any rights of a third party.
10. Governing Law
These Terms and your use of the online platforms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in North Carolina.
11. Modification of Terms
Rachel Grace Duffy reserves the right to modify or update these Terms at any time, and such modifications shall be effective immediately upon posting the updated Terms on the website. Your continued use of the online platforms after such modifications constitutes your acknowledgment and acceptance of the revised Terms. You are encouraged to review these Terms periodically to ensure familiarity with the current version.
12. Entire Agreement
These Terms constitute the entire agreement between you and Rachel Grace Duffy relating to your access to and use of our online platforms and supersede any prior or contemporaneous communications and proposals, whether oral or written.
13. Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.
14. Contact Information
If you have any questions or concerns regarding these Terms, please contact Rachel Grace Duffy at assurebyrgd@gmail.com.
Effective Date: October 18th, 2024
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