The terms and conditions that govern your use of Top Z Media's website and services.
These Terms of Service ("Terms") govern your access to and use of topzmedia.com and all related pages, forms, and services (collectively, the "Services") operated by Top Z Media ("Top Z Media," "we," "us," or "our"). Please read these Terms carefully. By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
By accessing the Services or submitting your information through any form, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference.
You must be at least 18 years old and able to form a legally binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.
Top Z Media is a lead-generation company. We connect consumers who are interested in insurance and financial products — including auto insurance, home insurance, health insurance, and debt-relief solutions — with third-party companies, agents, brokers, carriers, lenders, and marketing partners. Top Z Media is not an insurance company, agency, broker, lender, or financial advisor. We do not provide insurance, loans, debt-relief, legal, tax, or financial advice, and we do not make decisions about, issue, or guarantee any product or coverage.
By submitting your information, you consent to be contacted by Top Z Media and our partners as described in our Privacy Policy, including by telephone call, automatic telephone dialing system, artificial or pre-recorded voice, SMS/text message, and email, even if your number is on a Do Not Call list. This consent is not a condition of purchase, and you may opt out at any time.
The Services, including all text, graphics, logos, images, and software, are owned by or licensed to Top Z Media and are protected by intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any part of the Services without our prior written consent.
The Services may contain links to, or redirect you to, third-party websites, products, or services that we do not own or control. We are not responsible for the content, accuracy, practices, or availability of those third parties. Any dealings you have with third parties found through the Services are solely between you and that third party.
The Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure, or that any specific product, quote, rate, coverage, or outcome will result from your use of the Services.
To the fullest extent permitted by law, Top Z Media and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Services or any interaction with a third-party partner. Our total liability for any claim relating to the Services will not exceed one hundred U.S. dollars (US $100).
You agree to indemnify, defend, and hold harmless Top Z Media and its affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of a third party.
We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms.
These Terms are governed by and construed in accordance with the laws of the United States and the state in which Top Z Media is established, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts located there for any dispute arising out of or relating to these Terms or the Services.
We may modify these Terms from time to time. When we do, we will revise the "Effective date" above. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.
If you have questions about these Terms, contact us at:
Top Z Media
Email: [email protected]