This disclaimer (“Disclaimer”) sets forth the general guidelines, disclosures, and terms of your use of the loftonwellsinsurance.com website (“Website” or “Service”) and any of its related products and services (collectively, “Services”). This Disclaimer is a legally binding agreement between you (“User”, “you” or “your”) and Lofton Wells Insurance (“Lofton Wells Insurance”, “we”, “us” or “our”). If you are entering into this agreement on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to this agreement, in which case the terms “User”, “you” or “your” shall refer to such entity. If you do not have such authority, or if you do not agree with the terms of this agreement, you must not accept this agreement and may not access and use the Website and Services. By accessing and using the Website and Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Disclaimer. You acknowledge that this Disclaimer is a contract between you and Lofton Wells Insurance, even though it is electronic and is not physically signed by you, and it governs your use of the Website and Services.
Any views or opinions represented on the Website belong solely to the content creators and do not represent those of people, institutions or organizations that Lofton Wells Insurance or creators may or may not be associated with in professional or personal capacity, unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual.
Content and postings
You may print or copy any part of the Website and Services for your personal or non-commercial use.
You may submit new content and comment on the existing content on the Website. You may not impersonate any other person through the Website and Services. You may not post content that is defamatory, fraudulent, obscene, threatening, invasive of another person’s privacy rights or that is otherwise unlawful. You may not post content that infringes on the intellectual property rights of any other person or entity. You may not post any content that includes any computer virus or other code designed to disrupt, damage, or limit the functioning of any computer software or hardware.
Compensation and sponsorship
The Website and Services may contain forms of advertising, sponsorship, paid insertions or other forms of compensation. On certain occasions Lofton Wells Insurance may be compensated to provide opinions on products, services, or various other topics. Even though Lofton Wells Insurance receives compensation for advertisements, the opinions, findings, beliefs, or experiences on those topics or products are honest and not influenced by the advertiser or sponsor. The views and opinions expressed on the Website are purely of Lofton Wells Insurance. Any product claims, statistics, quotes or other representations about products or services should be verified with the manufacturer, provider or the party in question. Note that sponsored content and advertising space may not always be identified as paid or sponsored. Some of the links on the Website may be affiliate links. This means if you click on the link and purchase an item, Lofton Wells Insurance will receive an affiliate commission.
Indemnification and warranties
While we have made every attempt to ensure that the information contained on the Website is correct, Lofton Wells Insurance is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information on the Website is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied. In no event will Lofton Wells Insurance, or its partners, employees or agents, be liable to you or anyone else for any decision made or action taken in reliance on the information on the Website, or for any consequential, special or similar damages, even if advised of the possibility of such damages. Information on the Website is for general information purposes only and is not intended to provide any type of professional advice. Please seek professional assistance should you require it. Information contained on the Website are subject to change at any time and without warning.
Changes and amendments
We reserve the right to modify this Disclaimer or its terms related to the Website and Services at any time at our discretion. When we do, we will revise the updated date at the bottom of this page. We may also provide notice to you in other ways at our discretion, such as through the contact information you have provided.
An updated version of this Disclaimer will be effective immediately upon the posting of the revised Disclaimer unless otherwise specified. Your continued use of the Website and Services after the effective date of the revised Disclaimer (or such other act specified at that time) will constitute your consent to those changes.
Acceptance of this disclaimer
You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing and using the Website and Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to access or use the Website and Services.
If you have any questions, concerns, or complaints regarding this Disclaimer, we encourage you to contact us using the details below:
6187 Stage Road, Memphis, TN 38134
This document was last updated on November 26, 2019