LEGAL INFORMATION

Terms of Use

Effective date: [ADD DATE]

Important: This starter template is not legal advice. Replace bracketed items and have it reviewed for your business and jurisdictions before publishing.

1. Website operator

This website is operated by VirtueServices. Contact: REPLACE_WITH_CONTACT_EMAIL.

2. Website purpose

This website provides general information to help visitors explore coverage-related categories and initiate phone calls. It is not an insurance policy, quote, binder, or guarantee of coverage. Unless expressly stated otherwise, the website operator is not an insurer, does not underwrite policies, and does not provide professional insurance advice.

3. Third-party calls and compensation

When you select a call option, your call may be routed to an independent marketing agency or other third party. The operator may receive compensation for calls or referrals. Third parties are responsible for explaining their identity, licensing status where applicable, services, eligibility requirements, prices, and terms. Availability varies by location and provider.

4. No guarantee

We do not guarantee that a provider will be available, that a call will connect, or that any product or service will be offered or approved. Verify details directly with the party you reach.

5. Acceptable use

You agree not to misuse the website, attempt unauthorized access, disrupt its operation, or use it in violation of applicable law.

6. Third-party services

Phone carriers, call-routing providers, analytics vendors, and third-party recipients may operate under their own terms and privacy policies. We are not responsible for third-party services outside our control.

7. Disclaimer and limitation

To the extent permitted by law, the website is provided “as is” without warranties of uninterrupted availability or error-free operation. Nothing in these terms excludes liability that cannot legally be excluded.

8. Changes and governing law

We may update these terms by posting a revised version. Governing law and dispute provisions must be completed by the operator: [ADD GOVERNING LAW / VENUE AFTER LEGAL REVIEW].

9. Contact

Email: REPLACE_WITH_CONTACT_EMAIL