Introduction
Last Updated: December 1, 2023
Welcome to omwigu.com. These Terms of Service ("Terms") govern your use of our website and Insurance Needs Calculator. By accessing or using our website, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the website.
Use of Our Services
The Insurance Needs Calculator and other services provided on omwigu.com are for informational and educational purposes only. The calculator provides estimates based on the information you input and general financial principles. The results should not be considered as financial advice.
You agree to use our services only for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use of the services.
Disclaimer of Warranties
Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
- The service will function uninterrupted, secure, or available at any particular time or location
- Any errors or defects will be corrected
- The service is free of viruses or other harmful components
- The results of using the service will meet your requirements
Limitation of Liability
In no event shall omwigu.com, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the service
- Any conduct or content of any third party on the service
- Any content obtained from the service
- Unauthorized access, use, or alteration of your transmissions or content
User Responsibilities
When using our Insurance Needs Calculator, you are responsible for:
- Providing accurate information to the best of your knowledge
- Understanding that the calculator provides estimates, not exact figures
- Consulting with a licensed insurance professional before making any insurance decisions
- Using the results as a starting point for further research and planning
Intellectual Property
The content on omwigu.com, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of omwigu.com or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.
You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the service without express written permission from us.
Changes to Terms
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the service.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Contact Us
If you have any questions about these Terms, please contact us at:
Email: [email protected]