Terms of Service

Please read these Terms of Service ("Terms") carefully before using the website operated by Enduron Insurance, LLC ("Enduron Insurance," "we," "us," or "our"). By accessing or using our website and any related services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Services.

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Overview

Enduron Insurance, LLC is a licensed insurance agency based in Scottsdale, Arizona. Our website provides information about insurance products and services, including but not limited to health insurance, life insurance, disability insurance, long-term care insurance, Medicare, and group benefits. Our website is hosted on Shopify, which provides us the platform to deliver the Services to you.

We reserve the right to update, change, or replace any part of these Terms at any time by posting updates to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Services following the posting of any changes constitutes acceptance of those changes.

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Use of the Services

By using the Services, you represent that you are at least the age of majority in your state or province of residence. You may not use our Services for any illegal or unauthorized purpose, nor may you, in the use of the Services, violate any laws in your jurisdiction.

You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Services, use of the Services, or access to the Services without our express written permission. You agree not to transmit any worms, viruses, or any code of a destructive nature through the Services.

A breach or violation of any of the Terms may result in an immediate termination of your access to the Services.

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Not Insurance Advice

The information provided on our website is for general informational purposes only and is intended to help you understand the types of insurance products and services that may be available to you. While Enduron Insurance is a licensed insurance agency, the content on this website does not constitute specific insurance advice, a recommendation to purchase any particular policy, or a binding offer of coverage.

Insurance products are subject to underwriting approval, terms, conditions, exclusions, and limitations set by the issuing insurance carrier. Coverage options, premiums, and availability may vary based on your individual circumstances, location, health status, and other factors.

You should not rely solely on the information presented on this website when making insurance decisions. We encourage you to contact us directly so we can provide personalized guidance based on your specific needs and circumstances.

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Accuracy of Information

We make reasonable efforts to ensure that the information on our website is accurate and up to date. However, we do not warrant that the content on our website is complete, reliable, current, or error-free. Insurance products, rates, terms, and availability are subject to change without notice by the issuing carriers.

Any descriptions of insurance products or services, including coverage details, benefits, and pricing, are provided for informational purposes and may not reflect the exact terms of any specific policy. The terms of any insurance policy you purchase will be governed solely by the policy documents issued by the insurance carrier.

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Consultations and Quotes

When you request a consultation or insurance quote through our website, by phone, or by email, you agree to provide accurate, current, and complete information. Providing inaccurate or incomplete information may result in incorrect quotes, delays in processing, or denial of coverage by the insurance carrier.

Any quotes or estimates we provide are preliminary and are subject to change based on verification of the information you provide, underwriting review by the insurance carrier, and other factors. A quote does not guarantee coverage, pricing, or availability.

We are not a party to any insurance policy issued to you. Insurance policies are contracts between you and the issuing insurance carrier. We act as an intermediary to help you identify and apply for coverage that may meet your needs.

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Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Enduron Insurance, LLC or its content suppliers and is protected by applicable intellectual property laws. You may not use, reproduce, modify, distribute, or display any content from this website without our prior written consent.

The Enduron Insurance name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Enduron Insurance, LLC. You may not use such marks without our prior written permission.

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Third Party Links and Services

Our website may contain links to third-party websites, including those of insurance carriers, government agencies, and other resources. These links are provided for your convenience and informational purposes only. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites or services.

We do not endorse or assume any responsibility for any third-party websites, information, materials, products, or services. If you access a third-party website from our website, you do so at your own risk and are subject to the terms and conditions of use for those websites.

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User Comments and Submissions

If you submit specific content, ideas, suggestions, proposals, or other materials to us, whether online, by email, by postal mail, or otherwise, you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any content that you forward to us. We are and shall be under no obligation to maintain any content in confidence, to pay compensation for any content, or to respond to any content.

You agree that your submissions will not violate any right of any third party, including copyright, trademark, privacy, or other personal or proprietary rights. You further agree that your submissions will not contain defamatory, unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Services.

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Disclaimer of Warranties

The Services are provided on an "as is" and "as available" basis. Enduron Insurance, LLC makes no representations or warranties of any kind, express or implied, as to the operation of the Services, or the information, content, or materials included on the website.

To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.

We do not guarantee the results of any insurance application or the availability, terms, or pricing of any insurance product. Insurance coverage is subject to the terms and conditions of the policy issued by the insurance carrier.

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Limitation of Liability

In no event shall Enduron Insurance, LLC, its officers, directors, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your access to or use of (or inability to access or use) the Services, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising out of or relating to the Services shall not exceed the amount you paid, if any, for accessing the Services during the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

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Indemnification

You agree to indemnify, defend, and hold harmless Enduron Insurance, LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the Services, or your violation of any rights of a third party.

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Governing Law

These Terms and any separate agreements whereby we provide you the Services shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of such courts.

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Severability

If any provision of these Terms is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.

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Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published by us on the website, constitute the entire agreement between you and Enduron Insurance, LLC concerning the Services and supersede any prior agreements, communications, and proposals, whether oral or written, between you and us.

The failure of us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

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