Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the websites, landing pages, forms, advertisements, communications, products, services, and related platforms operated by Top Target Agency ("Top Target Agency," "Company," "we," "us," or "our").

Top Target Agency operates as a marketing, advertising, and lead generation company that connects consumers with third-party insurance agents, agencies, carriers, marketers, and service providers.

By accessing our website, submitting information through any form, requesting a quote, clicking advertisements, communicating with us, or otherwise using our services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.

1. Eligibility

You must be at least eighteen (18) years old and a legal resident of the United States to use our website or services. By submitting information to us, you represent and warrant that:

• You are legally capable of entering into binding agreements;
• All information you provide is truthful, accurate, current, and complete;
• You are authorized to provide the information submitted;
• You are the subscriber, owner, authorized user, or customary user of any phone number or email address provided;
• Your use of the website and services complies with all applicable laws and regulations.

We reserve the right to refuse service, reject submissions, or terminate access at any time for any lawful reason.

2. Nature of Services

Top Target Agency is a marketing and lead generation company and is not:

• an insurance carrier,
• an underwriting company,
• an insurance policy issuer,
• a government agency,
• or a direct provider of insurance products unless expressly stated otherwise.

We do not issue insurance policies, determine insurability, make underwriting decisions, guarantee pricing, or guarantee approval for insurance coverage.

Our services are limited to collecting consumer information and connecting consumers with third-party licensed insurance agents, agencies, carriers, advertisers, marketers, lead buyers, and related service providers that may offer insurance products or related services.

Any insurance products, quotes, policies, or services are offered solely by third-party providers subject to their own terms, conditions, underwriting guidelines, eligibility requirements, and applicable laws.

3. No Guarantee of Quotes or Coverage

Submitting information through our website does not guarantee:

• insurance quotes,
• policy issuance,
• carrier participation,
• pricing,
• eligibility,
• availability of coverage,
• or approval for insurance products.

Any quote provided is preliminary, non-binding, and subject to verification, underwriting review, carrier approval, and applicable legal requirements. Coverage becomes effective only if approved and issued by a licensed insurance carrier.

4. Consent to Communications

By submitting your information through our website, advertisements, landing pages, forms, social media lead forms, or any related communication channel, you expressly provide prior express written consent to be contacted by:

• Top Target Agency;
• licensed insurance agents;
• insurance agencies;
• insurance carriers;
• affiliates;
• marketing partners;
• lead buyers;
• advertisers;
• service providers; and
• other third parties offering insurance-related products or services.

You consent to receive communications through:

• telephone calls;
• SMS/text messages;
• email communications;
• prerecorded or artificial voice messages;
• ringless voicemail;
• automated telephone dialing systems ("ATDS");
• and other automated technologies.

Communications may be made to any residential, cellular, wireless, or mobile telephone number or email address you provide.

You understand and agree that:

• your information may be sold, transferred, shared, distributed, or disclosed to multiple third parties;
• multiple companies may contact you regarding your inquiry;
• consent is not required as a condition of purchasing any goods or services;
• message and data rates may apply;
• communications may be recorded for quality assurance, compliance, training, and recordkeeping purposes;
• consent records, including IP address, timestamp, browser data, session information, TrustedForm certificates, Jornaya LeadID data, and consent language displayed at submission, may be retained as evidence of consent.

You may revoke consent at any time by:

• replying STOP to SMS messages;
• clicking unsubscribe links in emails; or
• contacting us directly.

Revocation of consent does not apply to transactional or legally required communications already in progress.

5. Electronic Signatures and Records

You consent to the use of:

• electronic signatures,
• electronic disclosures,
• electronic records,
• and digital communications

in connection with your interactions with us and our partners. You agree that electronic records satisfy any legal requirement that communications or agreements be in writing.

6. Information Accuracy

You agree to provide complete, accurate, and truthful information at all times. You understand that inaccurate, misleading, incomplete, or fraudulent information may:

• affect quote accuracy;
• result in denial of services;
• lead to insurance denial or cancellation;
• result in legal liability; or
• prevent third parties from providing products or services.

We reserve the right to verify any information submitted.

7. Use of Website

You agree not to:

• use the website for unlawful, fraudulent, deceptive, abusive, or harmful purposes;
• submit false or misleading information;
• interfere with website functionality or security;
• gain unauthorized access to systems or data;
• use bots, scraping tools, scripts, or automated technologies without authorization;
• reverse engineer or exploit any portion of the website;
• reproduce, distribute, or commercially exploit website content without prior written permission.

We reserve all rights to suspend, restrict, or terminate access for violations of these Terms.

8. Intellectual Property

All website content, including but not limited to:

• text,
• graphics,
• logos,
• software,
• forms,
• designs,
• branding,
• databases,
• layouts,
• audio,
• video,
• and marketing materials

are owned by or licensed to Top Target Agency and protected under applicable intellectual property laws. No rights are granted except as expressly stated in these Terms.

9. Third-Party Providers and Links

Our website and services may reference or connect users with third-party companies, websites, advertisers, agents, agencies, carriers, or service providers. We do not control and are not responsible for:

• third-party services;
• insurance products;
• pricing;
• underwriting decisions;
• communications;
• privacy practices;
• advertisements;
• websites; or
• policies.

Your interactions with third parties are solely between you and the applicable third party.

10. Compensation Disclosure

Top Target Agency may receive compensation from insurance agents, agencies, carriers, advertisers, lead buyers, marketing partners, and service providers in connection with:

• consumer inquiries;
• referrals;
• lead generation activities;
• marketing services;
• advertising activities;
• or completed transactions.

Compensation arrangements may influence which providers, offers, or advertisements are presented.

11. No Professional Advice

Information provided through the website is for general informational and marketing purposes only and does not constitute:

• insurance advice;
• legal advice;
• tax advice;
• financial advice;
• brokerage services;
• or professional recommendations.

Users should independently evaluate all insurance products and consult qualified professionals where appropriate.

12. No Agency Relationship

Your use of this website does not create any:

• agency relationship;
• fiduciary relationship;
• broker-client relationship;
• partnership;
• employment relationship;
• joint venture;
• or representative relationship

between you and Top Target Agency.

13. Disclaimer of Warranties

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOP TARGET AGENCY DISCLAIMS ALL WARRANTIES INCLUDING:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• NON-INFRINGEMENT;
• ACCURACY;
• SECURITY;
• RELIABILITY;
• AVAILABILITY; AND
• TITLE.

We do not guarantee that:

• the website will operate uninterrupted or error-free;
• communications will always be delivered;
• the website will be secure or free of viruses;
• quotes or offers will be available;
• insurance coverage will be approved.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, TOP TARGET AGENCY AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, PARTNERS, SERVICE PROVIDERS, VENDORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT;
• INCIDENTAL;
• SPECIAL;
• CONSEQUENTIAL;
• EXEMPLARY;
• PUNITIVE;
• OR LOST PROFIT DAMAGES

ARISING OUT OF OR RELATED TO:

• USE OF THE WEBSITE;
• COMMUNICATIONS;
• LEAD DISTRIBUTION;
• INSURANCE PRODUCTS;
• THIRD-PARTY SERVICES;
• OR THESE TERMS,

EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR MAXIMUM AGGREGATE LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

15. Indemnification

You agree to indemnify, defend, and hold harmless Top Target Agency and its affiliates, officers, directors, employees, agents, contractors, licensors, successors, and assigns from and against all claims, liabilities, damages, judgments, losses, expenses, and attorneys' fees arising out of or related to:

• your use of the website or services;
• your violation of these Terms;
• information you submit;
• your communications with third parties;
• your violation of applicable laws;
• or infringement of another party's rights.

16. Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY.

Any dispute, claim, or controversy arising out of or relating to these Terms, the website, communications, or services shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association.

YOU WAIVE:

• ANY RIGHT TO A JURY TRIAL;
• ANY RIGHT TO PARTICIPATE IN A CLASS ACTION;
• ANY RIGHT TO PARTICIPATE IN CLASS-WIDE ARBITRATION.

Arbitration shall occur in New Jersey unless otherwise required by applicable law. This arbitration provision survives termination of these Terms.

17. Governing Law

These Terms are governed by the laws of the State of New Jersey without regard to conflict of law principles. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts located in New Jersey, and you consent to jurisdiction and venue in those courts.

18. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice. Updated Terms become effective immediately upon posting. Your continued use of the website or services constitutes acceptance of the revised Terms.

19. Severability

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

20. Entire Agreement

These Terms and the Privacy Policy constitute the complete agreement between you and Top Target Agency regarding your use of the website and services.

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