Welcome to Budget Contractors Insurance ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website (https://budgetcontractorsinsurance.com), including any content, features, or services offered through it (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Acceptance of Terms

These Terms form a legally binding agreement between you ("you" or "user") and Budget Contractors Insurance. We may update these Terms from time to time, and the updated version will be posted on this page with a revised "Effective Date." Your continued use of the Service after such changes constitutes acceptance of the updated Terms.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts to use the Service. By using the Service, you represent and warrant that you meet these requirements.

3. Use of the Service

a. Permitted Use

You may use the Service to:

Request insurance quotes for your contracting business. Access information about insurance products and services. Contact us for support or inquiries.

b. Prohibited Use

You agree not to:

Use the Service for any illegal, unauthorized, or fraudulent purpose. Attempt to interfere with, hack, or disrupt the Service or its servers. Copy, modify, or distribute content from the Service without our express permission. Use automated tools (e.g., bots, scrapers) to access or collect data from the Service. Misrepresent your identity or provide false information when using the Service.

4. Services and Third-Party Providers

We provide a platform to connect you with insurance products and services, which may be offered by us directly or through third-party insurance providers or partners. We are not an insurance company but may act as a broker or intermediary. Any insurance policies or contracts you enter into will be governed by the terms of the respective provider, and we are not a party to those agreements.

5. User-Provided Information

When you submit information (e.g., through quote request forms), you represent and warrant that:

The information is accurate, complete, and up-to-date. You have the right to provide such information. You grant us permission to use and share this information as described in our Privacy Policy.

6. Intellectual Property

All content on the Service—including text, graphics, logos, and software—is owned by Budget Contractors Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute this content without our prior written consent, except for personal, non-commercial use as permitted by law.

7. Disclaimers

No Warranties: The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. Accuracy: While we strive to provide accurate and current information, we do not guarantee the completeness, reliability, or availability of the Service or its content. Third-Party Services: We are not responsible for the performance, terms, or actions of third-party providers (e.g., insurance companies) you engage through the Service.

8. Limitation of Liability

To the fullest extent permitted by law, Budget Contractors Insurance, its affiliates, and their respective officers, directors, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, even if advised of the possibility of such damages. Our total liability to you for any claim related to the Service will not exceed $100.

9. Indemnification

You agree to indemnify, defend, and hold harmless Budget Contractors Insurance and its affiliates, officers, directors, employees, and agents from any claims, losses, damages, or expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

10. Termination

We may suspend or terminate your access to the Service at our sole discretion, with or without notice, if you violate these Terms or for any other reason. Upon termination, your right to use the Service will cease immediately.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of [insert state, e.g., California], without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration in [insert city/state], in accordance with the rules of the American Arbitration Association. You waive your right to participate in class actions or class-wide arbitration.

12. Links to Third-Party Sites

The Service may contain links to third-party websites (e.g., insurance providers). We are not responsible for the content, availability, or terms of use of these external sites. Accessing them is at your own risk.

13. Force Majeure

We will not be liable for any delay or failure to perform our obligations under these Terms due to events beyond our reasonable control, including natural disasters, acts of war, or internet outages.

14. Contact Us

If you have questions about these Terms or the Service, please contact us at:

Budget Contractors Insurance

Email: [email protected]

Phone: 800-306-1200

Address: 24296 Swartz Dr. Lake Forest, CA 92630

15. Miscellaneous

Entire Agreement: These Terms, along with our Privacy Policy, constitute the entire agreement between you and us regarding the Service. Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. No Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.