Terms & Conditions

Last Updated: January 1, 2025

Welcome to Global Finance Club. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our platform, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using the Global Finance Club website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Global Finance Club provides an online platform that allows users to:

• Compare insurance quotes from multiple providers
• Access information about various insurance products
• Request quotes and connect with licensed insurance agents
• Receive educational content about insurance products

We are not an insurance company but rather a platform that connects consumers with licensed insurance providers and agents.

3. User Responsibilities

As a user of our service, you agree to:

• Provide accurate and truthful information when requesting quotes
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use the service to transmit harmful or malicious content
• Respect the intellectual property rights of Global Finance Club and third parties

4. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our service, you consent to the collection and use of your information as described in our Privacy Policy.

5. Insurance Quotes and Recommendations

The quotes and recommendations provided through our platform are:

• Estimates based on the information you provide
• Subject to underwriting and approval by insurance companies
• Not guarantees of coverage or final pricing
• Valid for a limited time as specified by each insurer

Final terms, conditions, and pricing are determined by the insurance company and may differ from initial quotes.

6. Licensing and Compliance

Global Finance Club operates under the appropriate licenses required by California law. We work only with licensed insurance agents and companies. All insurance transactions are subject to state insurance regulations and oversight by the California Department of Insurance.

7. Disclaimers and Limitations

Our service is provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

• Merchantability and fitness for a particular purpose
• Accuracy or completeness of information
• Uninterrupted or error-free service
• Security of data transmission

We are not liable for any indirect, incidental, special, or consequential damages arising from your use of our service.

8. Third-Party Services

Our platform may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, privacy policies, or practices of these third parties. Your interactions with third-party insurance companies are governed by their respective terms and conditions.

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Global Finance Club or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

10. Termination

We reserve the right to terminate or suspend your access to our service at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of the service after changes are posted constitutes your acceptance of the modified Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes arising under these Terms will be subject to the exclusive jurisdiction of the courts in Los Angeles County, California.

13. Contact Information

If you have any questions about these Terms, please contact us: