Terms of Use

Effective date: September 30, 2026

These Terms of Use ("Terms") govern your use of this website ("Value-Club," "we," "us," or "our"). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.

1. Description of the Service

This website is an advertising-supported informational resource. Pages on this site may be advertorials presented for demonstration and informational purposes. We provide general information about insurance products and may connect you with third-party insurance providers and comparison services. We are not an insurance company, agent, or broker, and nothing on this website constitutes an offer of insurance.

2. No Professional Advice

All content on this website is provided for general informational purposes only and does not constitute financial, legal, or insurance advice. You should consult a licensed professional before making any insurance decisions. Any savings figures, rates, or examples shown are illustrative only; actual results will vary based on your individual circumstances, location, driving history, and other factors.

3. Eligibility

You must be at least 18 years old and a resident of the United States to use this website. Certain offers promoted on this website may require that you already carry an active insurance policy.

4. Third-Party Links and Offers

This website contains links to third-party websites, offers, and services. We do not control, endorse, or assume responsibility for the content, products, services, privacy practices, or terms of any third-party site. Your interactions with third parties, including any quotes or purchases, are solely between you and the third party.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and layout, is the property of Value-Club or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

6. Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of accuracy, reliability, merchantability, or fitness for a particular purpose. We do not guarantee that the website will be uninterrupted, error-free, or free of viruses.

7. Limitation of Liability

To the fullest extent permitted by law, Value-Club and its owners, operators, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or any third-party offer accessed through it.

8. Indemnification

You agree to indemnify and hold harmless Value-Club and its owners, operators, and affiliates from any claims, damages, losses, or expenses arising from your use of this website or your violation of these Terms.

9. Changes to These Terms

We may update these Terms at any time. The updated version will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Florida, without regard to its conflict-of-law principles.

11. Contact

If you have questions about these Terms, contact us at admin@value-club.site.

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