Below are the Terms and Conditions that will govern your access to Lower2024.com for services. By accessing services on this site such as quotes for insurance, initiating contact through telephone, or by registering with us to receive information updates and news, you agree to our terms and conditions of use. If by any chance you do not consent to any of these terms for any reason, you are prohibited from accessing the webpage.
At Lower2024, we will help you obtain your quotes from top insurance carriers as well as other service providers. All you need to do is provide us with the details regarding your preferred insurance cover. We will then match your insurance needs with the best offerings and provide you with links to more information on the coverage. We will also provide you with a simple way to apply for your insurance package so that you won't break a sweat.
Although we publish a lot of content on insurance, we offer any advice regarding taxes or finances. We are not able to guarantee the insurance carrier will approve your application or that they will review your application. We do not take any responsibility for the conduct of any insurance company or service provider listed on our website. We have no control over the policies of any of the insurance carriers on the webpage since they are subject to the terms under which they are offered.
Although it is our goal to publish updated information regarding available insurance offerings, we do not offer any warranty or guarantee for any of the information. You will be guided to the carrier’s website upon selecting it to review all the available offerings and the terms and conditions that are applicable.
To access the services provided on our webpage, you must be a US citizen and be above the age of 18. We have the right to terminate, suspend, change or discontinue your access to our site for any reason and at any time, in our own discretion. We also reserve the right to impose a limit on the access on certain features on the site or restrict access to the entire or part of the site without any penalty or notice. Our firm does not accept any payments from users on the site. We do, however, accept compensation from the insurance carriers or service providers that advertise on the site.
While browsing content on our site, there are details that you might be requested to provide to us (User Data). This information includes the data submitted to us due to your application for insurance quotes. The firm’s Privacy Policy that has been incorporated in this document, details our use practices with regards to data of any user. By accessing the site, you consent to your sole responsibility for the accuracy of the information for users. We will not be held accountable for holding any User Data that you submit to our site. We may also delete any such data for any reason and at any time. We have the right to remove or refuse to post any user data in part or in whole, that is unlawful, undesirable, unacceptable, inappropriate, or that violates any of our terms of use.
By submitting your contact details to our site, you agree to receive calls or emails directly from us, on the website or through third-party applications. We will send email newsletters with our latest promotions and offers. We may use our automated dialing system to contact you via telephone, along with an interactive voice response system or pre-recorded messages. You can let us know through our Contact Us page, if you wish to cancel these communications by submitting a request. There will also be an unsubscribe link in each email we send you.
Our site, along with any of the software used in conjunction with it, contains proprietary and confidential data that is protected under the intellectual property laws in the relevant jurisdictions. You acknowledge that all the data presented on our website uses copyrights, service marks, trademarks, patents, or any other exclusive rights and laws for protection. You also agree not to change or modify, distribute, sell, share, broadcast, or create derivative work based on our website in part or in whole. Any use of the site any part thereof by you for commercial purposes is strictly forbidden.
At Lower2024.com we grant you a personal, non-exclusive, and non-transferable license and right to access our services via a computer or any other gadget that can access the internet; on the condition that you do not attempt copy (or allow copying by third parties), reproduce, reverse engineer, distribute, or exploit any of the content, data, code, or any other materials on our website. You agree to refrain from modifying the afore-mentioned data on the website in any form, and from using modified forms of the website for any reason. Our site does not give the right, the authorization or the license to any individual or firm to use any of our trade names, service marks or any other logos, including the ones that belong to our partners, without a separate agreement written in our consent. Third-party logos and marks are the property of their relevant owners.
Any materials submitted to us, including comments, questions, or suggestions, are our property. Our websites will reserve all rights of such materials and be unrestricted in their use, publish, and destruction for any reason without compensation or attribution.
The details of the services provided through our site are displayed “as is” and are intended for the purposes of information only. We do not give any guarantees or warrant the suitability of the site to your needs, the reliability, or that it is timely and free from errors or typographical mistakes. We repudiate all express or implied warranties, including non-infringement of others’ rights, warranties of merchantability or suitability for a particular purpose. We do not give any guarantees that the site is free from viruses, errors, worms, or any other code that is harmful.
IN NOT A SINGLE INCIDENCE SHALL LOWER2024.COM, ANY OF OUR OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, OR SERVICE OR CONTENT PROVIDERS (OTERWISE KNOWN AS, THE "PROTECTED ENTITIES") HAVE LIABILITY FOR ANY INDIRECT, DIRECT, INCIDENTAL, PUNITIVE,CONSEQUENTIAL, SPECIAL, 0R EXEMPLARY DAMAGES THAT MAY COME FROM, OR INDIRECTLY OR DIRECTLY IN RELATION TO, THE USAGE OF, OR NOT BEING ABLE TO USE, THE WEBSITE AND THE OFFERED SERVICES HEREBY, OR EVEN THE FUNCTIONS, MATERIALS AND CONTENT RELATED THERETO, INCLUDING, AND NOT LIMITED TO, REVENUE LOSS, EVEN IF NOTIFIED OF THE PROBABILITY OF THE SAID DAMAGES. IN NO SITUATION SHALL OUR CUMULATIVE LIABILITY TO YOU, OR ANY OTHER CUSTOMER, FOR ALL CAUSES OF ACTION, LOSSES AND DAMAGES (WHETHER IN TORT, CONTRACT (INCLUDING NEGLIGENCE) EXCEED $5.00. THE LIMITATIONS ABOVE MAY NOT BE APPLICABLE TO ALL USERS OR IN ALL JURISDICTIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOUR ONLY REMEDY IS TO CANCEL THIS AGREEMENT AND STOP USING THE SITE.
We consent to posting advertisements from and provide the relevant links to other websites for the purposes of information only. We bare no accountability for the availability or the accuracy of the information provided by the websites you may backlink from the website. The links do not endorse the sites or the content, advertisements, or other materials displayed on the sites. As such, you agree and acknowledge that we will not be indirectly or directly liable for any harm, loss or damage caused or stipulated to have been caused by your reliance or use of data from such sites. You also agree and acknowledge that we do not have any form of control over the content, policies, or practices of any third-party websites, and neither do we assume any responsibility on any data contained on the sites that are linked to the site or on which content of the site are posted.
The Terms of Use contained herein are subject to change at any time and from time to time. Such changes will take effect upon being posted to the site. Using the site after any modifications have been made to the Terms of Use indicates that you are consenting to such modifications and changes.
State of Delaware laws govern the website and the Terms of Use discussed herein without arousing any conflict of laws. In the case that any of the inclusions of the Terms of Use is made void, unforeseeable or invalid, the other provisions will not be impaired or affected in any way thereof. Any dispute that may arise from using the site shall be exclusively taken to the appropriate law courts of Florida state. Individuals who wish to access the site from other countries may make the decisions to do so on their own prerogative, and take responsibility for compliance with the local laws, if applicable and to the extent of their utility. Despite any statutes or laws to the contrary, any action or claim arising from use of the site must be filed within 12 months, after which such a cause of action or claim shall be barred forever.