Terms and Conditions
Welcome to [https://zibnaclick.top/]! Before using our website or services, please read these Terms and Conditions carefully.
By accessing or using our website (https://zibnaclick.top/), services, or products, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.
These terms are designed to protect you and us and to ensure a smooth, trustworthy experience for everyone.
Last updated: [Insert Date]
1. Who We Are
[Your Company Name] provides financial and insurance-related services, information, tools, and resources through our website and team of professionals. Our goal is to help you make smart decisions about your money and your future.
2. Acceptance of Terms
By using our website or services, you confirm that you are at least 18 years old and agree to follow these terms. These terms apply to all users of our site, including visitors, customers, and anyone who interacts with our services.
3. Services We Offer
We provide:
- Financial consulting and planning
- Insurance advice and policy recommendations
- Access to quotes, calculators, and educational content
- Online tools to compare or apply for financial and insurance products
Please note: we may partner with third-party providers (such as insurers or lenders) to offer products. You are responsible for reviewing and accepting their terms separately.
4. No Financial or Legal Advice
The content on this site is for educational and informational purposes only. It is not intended as professional financial, legal, or insurance advice. For personalized recommendations, please consult a licensed advisor.
We do our best to provide accurate and up-to-date content, but we cannot guarantee it will always be complete or error-free.
5. User Responsibilities
When using our site or services, you agree to:
- Provide accurate, truthful, and complete information
- Use our services for lawful purposes only
- Not misuse or interfere with our website or systems
- Not copy, duplicate, or resell any of our content without permission
We reserve the right to suspend or terminate access if these terms are violated.
6. Intellectual Property
All content on our website — including text, logos, graphics, images, and tools — is the property of [https://zibnaclick.top/] or our partners. It is protected by copyright and intellectual property laws.
You may not reproduce, modify, or distribute our content without written consent.
7. Third-Party Links
Our website may contain links to third-party websites, services, or tools (like insurance providers or financial calculators). These links are provided for convenience only.
We are not responsible for the content, accuracy, or privacy practices of third-party sites. Please review their policies before using their services.
8. Privacy and Data Use
We respect your privacy. Any information you provide is handled according to our [Privacy Policy], which explains how we collect, use, and protect your data.
By using our services, you consent to our privacy practices.
9. Limitation of Liability
We work hard to provide helpful and accurate information, but we cannot guarantee that everything on our site will be free from errors, interruptions, or delays.
[Your Company Name] is not responsible for any loss, damage, or liability resulting from your use of our website or services, including but not limited to:
- Financial losses or missed opportunities
- Delays or failures in application processing
- Issues with third-party products or services
Use our website at your own risk.
10. Disclaimer of Warranties
All services and content are provided “as is” and “as available” without warranties of any kind — either express or implied.
We do not guarantee:
- That our site will be secure, error-free, or always available
- That our tools or content will meet your specific needs
- That results obtained from our services will be accurate or reliable
Always use your judgment or consult a professional before making major financial decisions.
11. Changes to These Terms
We may update these Terms and Conditions from time to time. When we do, we’ll revise the “last updated” date at the top of this page. Significant changes may also be posted on our homepage or sent via email.
By continuing to use our services after changes are posted, you agree to the updated terms.
12. Termination
We reserve the right to suspend or terminate your access to our site or services, without notice, if we believe you’ve violated these Terms or engaged in misuse.
You may also stop using our services at any time — there’s no contract or obligation unless otherwise stated in a specific agreement.
13. Governing Law
These Terms and Conditions are governed by the laws of [Your Country/State]. Any disputes will be handled in the courts of that region.
Thank you for choosing [Your Company Name].
We appreciate your trust and are committed to providing helpful, honest, and reliable finance and insurance support — every step of the way.