1. Acceptance of Terms

By accessing this website, you confirm that you are at least 18 years of age and have the legal authority to enter into these Terms. If you access this website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

Total Quality Insurance is an independent insurance agency licensed in the states of Georgia, South Carolina, and other states where we operate. We provide:

• Insurance quoting and comparison services across multiple carriers
• Policy placement, servicing, and claims assistance
• Educational insurance content and resources
• Interactive tools, calculators, and coverage assessments

We act as an insurance intermediary, not as an insurance carrier. All policies are issued by and subject to the terms of the respective insurance company.

3. Insurance Disclaimers

3.1 Educational Purpose Only

All content on this website — including articles, blog posts, guides, calculators, quizzes, checklists, and other resources — is provided for educational and informational purposes only. This content:

• Does not constitute insurance advice, legal advice, financial advice, or tax advice
• Should not be relied upon as a substitute for consultation with a licensed insurance professional
• May not reflect the most current legal, regulatory, or market developments
• Does not create an agent-client relationship

3.2 Coverage Subject to Underwriting

All insurance coverage is subject to the terms, conditions, limitations, and exclusions of the actual policy issued. Quotes provided through this website or by our agents are estimates only and are subject to:

• Underwriting review and approval by the issuing carrier
• Verification of information provided by the applicant
• Applicable state regulations and filing requirements
• Changes in risk factors between the quote date and policy issuance

A quote does not guarantee coverage, and final policy terms, conditions, and premiums may differ from the quote.

3.3 Carrier Availability

Not all insurance carriers are available in all states. Carrier availability depends on:

• State licensing and regulatory approvals
• Carrier appetite and underwriting guidelines
• Geographic restrictions and territorial limitations
• Product availability by line of business

We will inform you of available carriers for your specific state and risk profile during the quoting process.

3.4 No Guarantee of Savings

There is no guarantee that you will save money by switching insurance carriers or using our services. Savings references on this website (e.g., "save up to 20%," "average savings of $380/year") are:

• Based on historical data from actual client experiences
• Not guaranteed or promised for any individual
• Dependent on individual risk factors, coverage levels, and carrier pricing
• Subject to change without notice

3.5 Policy Interpretation

In the event of any conflict between information on this website and the actual terms of an insurance policy, the policy language controls. Always refer to your policy documents for the definitive terms of your coverage.

4. User Obligations

When using our website and services, you agree to:

• Provide accurate, complete, and truthful information
• Not misrepresent your identity, insurance history, or risk profile
• Not use our website for any unlawful purpose or in violation of any applicable law
• Not attempt to gain unauthorized access to our systems or data
• Not interfere with or disrupt the operation of our website
• Not scrape, harvest, or collect information from our website using automated means
• Not reproduce, distribute, or create derivative works from our content without permission

Providing false or misleading information in an insurance application may constitute fraud and is punishable under state and federal law.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, audio, video, software, and design — is the property of Total Quality Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.

• The Total Quality Insurance name, logo, and all related marks are trademarks of Total Quality Insurance
• You may not use our trademarks without prior written consent
• Limited, personal, non-commercial use of our content is permitted with attribution
• Any unauthorized commercial use is strictly prohibited

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Total Quality Insurance, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or our services.
• Our total liability for any claim arising from or related to this website or our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.
• We are not liable for any actions, errors, or omissions of insurance carriers, underwriters, or other third parties.
• We are not liable for losses resulting from your failure to read and understand your insurance policy.

7. Disclaimer of Warranties

This website and all content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties of accuracy, completeness, or reliability of any content
• Warranties that the website will be uninterrupted, error-free, or secure
• Warranties that the website will be free of viruses or other harmful components

8. Indemnification

You agree to indemnify, defend, and hold harmless Total Quality Insurance and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including attorneys' fees) arising from:

• Your use of or access to this website
• Your violation of these Terms
• Your violation of any third-party rights
• Any information you provide that is false, misleading, or fraudulent

9. Third-Party Links and Services

Our website contains links to third-party websites and services. These links are provided for convenience and do not imply endorsement. We are not responsible for the content, privacy practices, or terms of use of any linked websites. Use of third-party sites is at your own risk.

10. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of South Carolina, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our website shall be resolved through:

1. Informal negotiation — Contact us first to attempt to resolve the dispute amicably
2. Mediation — If negotiation fails, disputes may be submitted to mediation in Aiken County, South Carolina
3. Litigation — If mediation fails, disputes shall be submitted to the courts of competent jurisdiction in Aiken County, South Carolina

11. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

13. Contact Information

For questions about these Terms, contact us:

• Email: legal@totalqualityinsurance.com
• Phone: 706-434-8184
• Mail: Total Quality Insurance, CSRA - SC & GA