Terms & Conditions

Last Updated: [05/12/2025]

Welcome to TotalCoverageGuide.com. These Terms & Conditions (“Terms”) govern your use of our website. By visiting, accessing, or using this website in any way, you agree to follow and be bound by these Terms. If you do not agree with any part of these Terms, please stop using the website.

These Terms apply to all visitors, users, and anyone who accesses the site. Please read them carefully to understand your rights and responsibilities.

1. Acceptance of Terms

By using this website, you confirm that:

• You have read and understood these Terms

   

• You are legally capable of agreeing to them

   

• You will follow all rules, policies, and guidelines described here

   

If you do not agree, you must discontinue using the website immediately.

2. Use of the Website

You agree to use the website only for lawful, legitimate, and ethical purposes. You must not:

• Engage in activities that may harm, damage, or interfere with the website

   

• Attempt to gain unauthorized access to any part of the website or server

   

• Upload or transmit harmful files, malware, viruses, or malicious code

   

• Use automated tools (such as bots or scraping software) without permission

   

• Copy or reuse website content for commercial purposes without authorization

   

• Violate any applicable laws, regulations, or rights of others

   

We reserve the right to restrict or terminate access to users who violate these Terms.

3. Intellectual Property Rights

All content on TotalCoverageGuide.com—including articles, text, graphics, logos, images, design, and layout—is owned by us or provided to us under license. This content is protected by intellectual property laws.

You May:

• View the content for personal, informational, or educational use

   

• Share links to our articles (as long as the source is credited)

   

You May Not:

• Copy, reproduce, republish, or distribute content without written permission

   

• Modify, sell, or repost our content as your own

   

• Use website materials for commercial purposes without approval

   

Unauthorized use may result in legal action.

4. Accuracy of Information

We strive to provide accurate and helpful information. However, we do not guarantee that:

• All content is error-free

   

• Information is complete or up-to-date

   

• Content meets your specific needs or expectations

   

The information on this website is for general informational purposes only. You are responsible for verifying any details before making decisions based on the content.

We are not responsible for any consequences arising from the use of information found on this site.

5. Third-Party Links and External Content

We may provide links to third-party websites for additional resources or reference. These links are included only for convenience.

We do not control or endorse any external websites and are not responsible for:

• Their content

   

• Their privacy practices

   

• Their accuracy, services, or offerings

   

If you choose to visit external sites, you do so at your own risk. We recommend reviewing their Terms & Policies before interacting with them.

6. Third-Party Services and Cookies

Our website may use third-party tools, analytics services, or content providers that use cookies or tracking technologies. These partners may collect non-personal information about:

• Your device

   

• Your browser

   

• Your usage patterns

   

• Pages visited

   

These technologies help improve website performance, personalize content, and analyze visitor behavior.

We do not control how these third parties use their data, but they are expected to follow applicable privacy laws. You may disable cookies through your browser settings, although some features of the site may not function properly afterward.

7. User Responsibilities

By using TotalCoverageGuide.com, you agree to:

• Provide accurate information when submitting forms

   

• Not misuse or exploit any part of the website

   

• Respect the rights and privacy of others

   

• Not attempt to damage or disrupt website functionality

   

• Follow all relevant laws and regulations

   

If you violate these Terms, we may restrict or permanently block your access to the website.

8. Limitation of Liability

To the fullest extent allowed by law, TotalCoverageGuide.com is not responsible or liable for any losses or damages resulting from your use of the website, including:

• Direct, indirect, or incidental damages

   

• Loss of data or profits

   

• Errors, omissions, or inaccuracies in content

   

• Disruptions or unavailability of the website

   

• Actions or content from third-party links, tools, or services

   

• Unauthorized access to personal information

   

Your use of the website is entirely at your own risk.

9. Disclaimer of Warranties

The website and its content are provided “as is” and “as available”, without warranties of any kind.
We do not guarantee that:

• The site will always be available or error-free

   

• Content will be accurate or suitable for every situation

   

• The website will be free of viruses or harmful components

   

All information is intended for general understanding and should not replace professional advice.
Before making financial, legal, medical, insurance, or business decisions, you should consult a qualified expert.

10. Indemnification

You agree to indemnify and hold harmless TotalCoverageGuide.com, its owners, employees, and partners from any claims, damages, losses, or expenses resulting from:

• Your use of the website

   

• Your violation of these Terms

   

• Your violation of any laws or third-party rights

   

• Your misuse of website content or features

   

This includes reasonable legal fees required to defend against such claims.

11. Termination of Access

We may suspend or terminate your access to the website at any time and without prior notice if:

• You violate these Terms

   

• Your actions pose a risk to the website or other users

   

• We need to comply with legal requirements

   

• We decide to discontinue the website or its services

   

Once terminated, your right to use the website ends immediately.

12. Modifications to the Website

We may update, modify, or remove parts of the website at any time. This may include:

• Changes to content

   

• Updates to features

   

• Maintenance or downtime

   

• Removal of sections or tools

   

We are not responsible for any inconvenience or loss caused by website changes.

13. Changes to These Terms

We may update these Terms & Conditions from time to time to reflect:

• Legal changes

   

• Website improvements

   

• New features or services

   

• Policy updates

   

Whenever changes are made, the “Last Updated” date will be modified at the top of the page. Continued use of the website after updates means you accept the new Terms.

14. Governing Law

These Terms are governed by the laws of your local jurisdiction or region, unless otherwise required by applicable legislation.
Any disputes arising from the use of this website must be resolved under the applicable legal framework.

15. Severability

If any part of these Terms is found invalid or unenforceable, the remaining sections will continue to apply.
This ensures that the agreement remains effective even if one part is legally challenged.

16. No Waiver

If we do not enforce a particular part of these Terms, it does not mean we waive our right to enforce it later.
We reserve all rights granted under these Terms.

17. Entire Agreement

These Terms & Conditions constitute the complete agreement between you and TotalCoverageGuide.com regarding the use of the website.
No other written or verbal agreements replace or modify this document unless clearly stated by us.

Contact Information

If you have any questions or concerns about these Terms, you may contact us at:

Website: https://totalcoverageguide.com/contact-us-total-coverage-guide/ 
Email: info@totalcoverageguide.com