Terms of Use

Accepting these terms

These Terms of Use ("Terms") govern your access to and use of the Richards Protection Solutions website at https://www.richards.care and the materials, tools, and services provided through it. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site. We may update these Terms from time to time; the "Last updated" date above reflects the most recent revision.

Not an insurance offer or contract

This Site provides general information about insurance products and services only. It is not an insurance contract, binder, application, offer of coverage, or a guarantee of eligibility, benefits, or premiums. Nothing on this Site constitutes legal, tax, or financial advice. You should consult your own professional advisors before making any insurance or financial decision.

Visiting this Site, scheduling an appointment, or contacting an agent does not put coverage in force, constitute an application for insurance, or create a binding agreement of any kind. Coverage is placed only through a completed application accepted by the underwriting insurer.

Licensed services and availability

Products, carriers, benefits, premiums, exclusions, waiting periods, and eligibility vary by state and individual circumstances. Our services are limited to jurisdictions and lines of authority where Talor Richards, founder & principal licensed agent, is properly licensed. We are licensed to transact insurance in 16 U.S. states and the District of Columbia. Confirm your eligibility and the availability of any product or carrier with a licensed agent before applying.

Actual carrier documents and issued policies govern coverage, not anything on this Site. We are not the issuer of any insurance product; we are an independent insurance producer compensated by commissions from the insurers we represent.

Medicare and ACA information

This site is not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare eligibility and plan availability vary. For information about all available Medicare options, visit Medicare.gov or call 1-800-MEDICARE. Medicare-related content and any additional required disclosures are pending the owner's compliance review.

Scheduling, appointments, and communications

The Site may provide links or tools to schedule an appointment or consultation. A consultation is not an enrollment or a promise that a particular policy is available. We will confirm appointment details by the contact method you provide.

By providing your phone number, you expressly consent to receive call, text (SMS), and WhatsApp messages from us, including automated technology, related to your appointment, quote requests, and coverage reminders. Message frequency varies; standard carrier rates and charges may apply. You may opt out at any time by replying STOP, or by contacting us directly.

Calendly and other external services operate under their own terms of use and privacy policies. Do not use this Site's appointment tools for emergencies, time-sensitive claims, cancellations, or changes to existing coverage — contact the appropriate carrier or emergency service directly.

Appropriate use of the Site

Use the Site lawfully and in a way that does not disrupt its operation. Do not attempt to gain unauthorized access to any portion of the Site, its servers, or any connected system; do not submit another person's personal information through any form; and do not use any robot, spider, or other automated means to access the Site without our express permission.

Intellectual property

The Site and all of its contents, including text, graphics, logos, images, audio clips, data compilations, and software, are the property of ${siteConfig.name} or its licensors and are protected by United States and international copyright, trademark, and other intellectual-property laws. No content may be reproduced, distributed, republished, displayed, or transmitted without the prior written consent of ${siteConfig.name}, except as expressly permitted.

Links to other websites

The Site may contain links to third-party websites or services that are not owned or controlled by Richards Protection Solutions, including links to Calendly, insurance carriers, government sites, and other service providers. We do not endorse or assume responsibility for any third-party site or service. You acknowledge that Richards Protection Solutions shall not be liable for any damage or loss caused by reliance on any third-party content, product, or service.

When you leave our Site, we encourage you to read the terms and privacy policy of every website you visit.

Disclaimer of warranties

THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. RICHARDS PROTECTION SOLUTIONS DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING BY COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Site will be uninterrupted, secure, or error-free; that defects will be corrected; or that the Site or its server is free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content, whether provided by us, our users, or any third party.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL RICHARDS PROTECTION SOLUTIONS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, LOSS OF DATA, LOSS OF COVERAGE, OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SITE OR ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising out of or related to these Terms or the Site, whether in contract, tort, or otherwise, shall not exceed the greater of (a) the amount you paid us, if any, in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred dollars ($100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitation may not apply to you.

Indemnification

You agree to defend, indemnify, and hold harmless Richards Protection Solutions, its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any third-party right.

Governing law

These Terms are governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict-of-law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal courts located in Florida, and you hereby consent to the personal jurisdiction of such courts. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Contact and questions

Questions about these Terms should be sent to talor@richards.care, or discussed by calling (941) 376-7815.