**TERMS AND CONDITIONS**  

These Terms and Conditions ("Agreement") govern your use of the services provided by Allcoverage Insurance (hereinafter referred to as "the Agency"). By engaging with our services, you agree to the following terms.  

1. Definitions

-Policyholder: An individual or entity that purchases insurance coverage from the Agency.

-Insurer: The insurance company underwriting and providing the insurance policy. - Coverage: The extent of protection provided under an insurance policy.

-Premium: The amount the Policyholder must pay for an insurance policy.  

2. General Information 2.1. The Agency acts as an intermediary between the Policyholder and the Insurer. We provide guidance in choosing appropriate insurance products but do not directly underwrite policies.   2.2. All insurance policies are subject to the terms and conditions stipulated by the specific Insurer. These may include exclusions, limitations, and restrictions.  

3.Eligibility 3.1. To purchase a policy through the Agency, you must be of legal age (18 years or older) and legally capable of entering into binding contracts.   3.2. The Agency reserves the right to refuse services to individuals who do not meet eligibility requirements or who provide incomplete or inaccurate information.   4.Accuracy of Information 4.1. The Policyholder agrees to provide accurate and complete information at the time of application for insurance. Any false or misleading information may result in cancellation of the policy or denial of claims.   4.2. The Agency is not responsible for any losses resulting from incomplete or inaccurate information provided by the Policyholder.   5.Payment of Premiums 5.1. Premium payments must be made in accordance with the payment schedule agreed upon when purchasing the policy.   5.2. Failure to make timely payments may result in a lapse of coverage, cancellation of the policy, or additional fees as stipulated by the Insurer.   5.3. Premiums are generally non-refundable unless otherwise stated in the Insurer’s policy terms.   6.Policy Changes and Cancellations 6.1. Any changes to a policy, including cancellation, must be requested in writing and may be subject to processing fees or penalties as per the Insurer’s terms.   6.2. The Agency does not guarantee that requested changes will be accepted by the Insurer. Changes are subject to the Insurer’s underwriting guidelines.   7. Claims 7.1. In the event of a claim, the Policyholder must notify the Agency or Insurer as soon as possible. Detailed instructions for filing a claim will be provided by the Insurer.   7.2. The Agency is not responsible for the approval or denial of claims. Claims are assessed by the Insurer based on the policy terms.   7.3. The Policyholder agrees to cooperate fully with the Insurer during the claim investigation and settlement process.   8. Limitation of Liability 8.1. The Agency is not liable for any direct, indirect, incidental, or consequential damages arising from the use of its services or from the failure of the Insurer to fulfill its obligations under the policy.   8.2. The Agency's liability, if any, will be limited to the amount of commissions earned by the Agency on the relevant policy.   9. Confidentiality and Data Protection 9.1. The Agency will collect and store personal information in accordance with applicable data protection laws.   9.2. The Agency will not disclose personal information to third parties without the Policyholder’s consent, except as required for underwriting purposes or as mandated by law.   10. Governing Law 10.1. This Agreement shall be governed by and construed in accordance with the laws of USA.   10.2. Any disputes arising under this Agreement shall be resolved in the courts of USA, unless otherwise agreed by the parties.   11. Amendments 11.1. The Agency reserves the right to amend these Terms and Conditions at any time. Any such amendments will be posted on our website and will take effect immediately.   11.2. By continuing to use the Agency’s services, the Policyholder agrees to any updated Terms and Conditions.   ---   Contact Us:   If you have any questions regarding these Terms and Conditions, please contact us at: Allcoverage Insurance PO Box 1097 Conley, GA 30288 (678) 456-5563 [email protected]   ---   Disclaimer This template is for informational purposes only and does not constitute legal advice. Always consult with a legal professional to ensure compliance with local laws and regulations specific to your business and jurisdiction.