Updated 11/08/2023
At totalcoverage4u, an MML Bay State Life Insurance Company, we specialize in offering Legal Liaison Services aimed at simplifying the process for consumers seeking the right legal representation. We collect and use consumer information to ensure efficiency in achieving this goal.
Definition of Offers:
“Offers”, as mentioned in these terms, encompasses a broad spectrum of opportunities and products provided or represented by totalcoverage4u’s partners. This includes, but is not restricted to, Legal, Financial, Health Insurance, Life Insurance, Auto Insurance, Real Estate, Survey, Sweepstakes, and other similar products and services.
Please review our terms of use detailed below. This information is subject to change, and regular reviews are recommended. For queries or concerns about these terms, contact us.
IMPORTANT:
Engaging with this website signifies your understanding and acceptance of these terms and our privacy policy. If these terms are not agreeable, kindly refrain from accessing or using this website.
Services:
– totalcoverage4u links consumers with prospective legal providers within our network of Law Firms or Attorneys or Call Centers (“partners”).
– To utilize our service, it’s mandatory to fill in one or more online forms detailing personal and specific information, such as name, contact details, date of birth, limited health data, and more.
Disclaimers and Limitations:
This website and its associated services and products are offered “AS IS”. totalcoverage4u denies all forms of warranties, either direct or implied. Engaging with this website or totalcoverage4u services is solely at your discretion.
Indemnity:
Your use of this website implies your agreement to protect totalcoverage4u and its partners from any claims, damages, or expenses (including legal fees) arising from your activities on this platform.
Arbitration and Dispute Resolution:
All disputes between you and the company will be arbitrated. This means you forfeit your right to a court trial. By using totalcoverage4u services, you consent to these terms. If these terms are not agreeable, please refrain from using this website. Any disputes will be resolved in the state of Utah.
General Terms:
These Terms constitute the entire agreement between you and totalcoverage4u. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by totalcoverage4u to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. totalcoverage4u may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately, upon posting.
Agreement Upon Submission:
Upon submission of your information, you provide my electronic signature and represent that you are at least 18 years of age and agree to this website’s Privacy Policy, CCPA Statement (if applicable), and Terms of Use. Upon submission of your information, you provide my express written consent and authorization to the owner of this website and/or the agents of one or more of the listed Marketing Partners to contact me for marketing and/or telemarketing purposes at the number and address you have provided including your wireless number, using live operators, automated telephone dialing systems, artificial voice or pre-recorded messages, text messages and/or emails, if applicable, even if you have previously registered the provided number on any Federal or State Do Not Call Registry. You understand that my consent is not required as a condition of purchasing goods or services and you may opt out at any time.
If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association (“AAA”) in the county where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable. Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the raterocker Website.
YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.
MARKETING MESSAGES
totalcoverage4u operates a campaign that sends opted in subscribers Services Promotion. Message frequency will vary. Reply Help for more information.
Message and Data rates May apply. Carriers are not liable for delayed or undelivered messages. Unsubscribe at any time by replying STOP or clicking the unsubscribe link (where available). No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Our website (and other ?internal? websites stemming from it, such as specific membership sites or webpages pertinent to the main website or weblog) is an online (and, periodically, offline) information service and is subject to your compliance with the terms and conditions set forth below (all parts and parties collectively referred to as our website).
Any other policies, notices, or other legal/administrative pages contained in our website are necessarily incorporated into these Terms of Service and Conditions of Use. This may include, without limitation, a DMCA Policy, Privacy Policy, Disclaimer, Copyright Notice, Anti-Spam Policy, and FTC Compliance Policy.
You agree to obey all applicable laws and regulations regarding your use of our website and the content and materials provided in it.
Our website is an independent, stand-alone entity that has no relationship, connection, or affiliation whatsoever with any company, person, outfit, organization, or group mentioned herein, even if such name appears in our website name, domain, URL, or otherwise. You should assume no other party, by mere mention of their name, has endorsed anything you see here. The aim is simply to provide useful resources for our readers, some of which we may be compensated for. You should simply assume at all times we are being compensated and, while that may not prompt us to make unsound recommendations, you should always be responsible for your own financial decisions, be it investing, purchasing, donating, or otherwise.
Changes to These Terms:
We reserve the right to modify or replace these terms at any time. It is your responsibility to review these terms periodically for changes.
