Terms of Service
This agreement governs your use of BuySuretyBonds.com services, including our current lead generation operations and future insurance agency services.
Lead Generation Services
Connecting potential customers with licensed surety bond providers
Regulatory Compliance:
• Lead generation compliance
• Consumer protection laws
• Advertising regulations
Insurance Agency Operations
Direct surety bond processing and placement as a licensed agency
Regulatory Compliance:
• State insurance licensing
• Producer regulations
• E&O insurance requirements
These Terms of Service ("Terms") constitute a legally binding agreement between you and BuySuretyBonds.com ("Company," "we," "us," or "our") regarding your use of our website, services, and related offerings.
Important Notice
By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.
Who May Use Our Services
- • Individuals who are at least 18 years old
- • Business entities with legal authority to enter contracts
- • Users who comply with all applicable laws and regulations
- • Residents of the United States (primary focus)
Current Services
- • Lead Generation: Connecting customers with licensed surety providers
- • Information Services: Educational content and bond requirement guidance
- • Quote Facilitation: Helping users obtain quotes from multiple providers
- • Customer Support: Assistance with bond-related questions
- • Referral Services: Directing users to appropriate licensed professionals
Future Services
- • Direct Bond Placement: Licensed insurance agency operations
- • Underwriting Services: Direct bond application processing
- • Policy Administration: Bond management and renewal services
- • Claims Support: Assistance with bond claims and disputes
- • Account Management: Ongoing customer relationship management
Service Transition Notice
We are transitioning from lead generation services to full insurance agency operations. During this transition, we will provide clear notice of changes to service delivery and maintain compliance with all applicable regulations.
How Our Lead Generation Works
- 1. Information Collection: You provide information about your surety bond needs
- 2. Provider Matching: We match you with appropriate licensed providers
- 3. Lead Distribution: Your information is shared with selected providers
- 4. Direct Contact: Providers contact you directly to provide quotes and services
- 5. Service Completion: You work directly with providers to obtain your bond
What We Do
- • Connect you with licensed, reputable providers
- • Provide educational information about bonds
- • Offer customer support during the connection process
- • Maintain quality standards for provider partnerships
- • Protect your information during the referral process
What We Don't Do
- • Directly issue or underwrite surety bonds
- • Guarantee approval or specific pricing
- • Handle claims or policy administration
- • Provide legal or professional advice
- • Control provider pricing or service delivery
Provider Selection Criteria
We partner with providers who meet our quality standards:
- • Licensed insurance professionals in applicable states
- • A- minimum rated carrier relationships
- • Proven track record in surety bond placement
- • Commitment to customer service standards
- • Compliance with state and federal regulations
Transition Notice
As we obtain insurance agency licenses, we will transition to direct bond placement services. This transition will be clearly communicated to all users, and these terms will be updated accordingly.
Future Direct Services
Bond Placement
- • Direct bond application processing
- • Underwriting coordination
- • Policy issuance and delivery
- • Premium collection
Customer Service
- • Account management
- • Renewal processing
- • Claims assistance
- • Certificate services
Compliance
- • Licensed agent oversight
- • Regulatory compliance
- • E&O insurance coverage
- • Consumer protection
Licensing and Regulatory Compliance
When operating as a licensed insurance agency, we will maintain all required licenses and comply with applicable state insurance regulations, including:
- • State insurance producer licenses
- • Errors and omissions insurance coverage
- • Continuing education requirements
- • Consumer protection compliance
- • Claims handling procedures
- • Financial responsibility requirements
Information Accuracy
- • Provide accurate and complete information
- • Update information when circumstances change
- • Verify all details before submission
- • Report errors or discrepancies promptly
- • Maintain current contact information
Lawful Use
- • Use services only for legitimate business purposes
- • Comply with all applicable laws and regulations
- • Respect intellectual property rights
- • Not engage in fraudulent activities
- • Not misrepresent identity or business status
Professional Conduct
- • Treat all parties with respect and professionalism
- • Honor commitments made to providers
- • Provide timely responses to requests
- • Maintain confidentiality when required
- • Report abuse or misconduct
Security Compliance
- • Maintain account security and confidentiality
- • Use secure methods for sensitive communications
- • Report security breaches immediately
- • Not share login credentials
- • Follow data protection guidelines
Prohibited Activities
The following activities are strictly prohibited:
- • Providing false or misleading information
- • Attempting to circumvent security measures
- • Engaging in fraudulent or illegal activities
- • Spamming or harassment of other users or providers
- • Reverse engineering or unauthorized access attempts
- • Violating intellectual property rights
Current Lead Generation Model
- • No User Fees: Our services are currently free to end users
- • Provider Fees: Licensed providers pay for qualified leads
- • Transparent Process: No hidden costs to users
- • Quality Guarantee: Providers pay only for qualified leads
Future Agency Model
- • Commission-Based: Standard insurance commission structure
- • Transparent Pricing: All fees disclosed upfront
- • Competitive Rates: Market-competitive pricing
- • No Hidden Fees: All costs clearly disclosed
Payment Processing
- • Current Model: No payments collected from end users
- • Future Model: Secure payment processing for premiums and fees
- • Payment Methods: Credit cards, ACH transfers, and other secure methods
- • Security: PCI-compliant payment processing
- • Refunds: Clear refund policies for applicable transactions
Fee Transparency Commitment
We commit to complete transparency in all fee structures. Any changes to our fee model will be clearly communicated with appropriate notice periods. Users will never be surprised by unexpected charges.
Privacy Policy Integration
Our comprehensive Privacy Policy, available at /legal/privacy, is incorporated into these Terms by reference. It provides detailed information about data collection, use, and protection practices.
Current Data Practices
- • Collect minimum necessary information for lead generation
- • Share data only with selected, licensed providers
- • Maintain secure data storage and transmission
- • Comply with state privacy laws (CCPA, VCDPA, etc.)
- • Provide user control over data sharing
Future Data Practices
- • Enhanced data security for direct operations
- • Compliance with insurance data regulations
- • Expanded customer data management
- • Claims and policy administration data
- • Continued privacy law compliance
Your Data Rights
Service Expectations
Clear understanding of services provided and limitations
- • Service level descriptions
- • Response time commitments
- • Quality standards
Pricing Transparency
Clear disclosure of all fees and charges
- • Upfront pricing disclosure
- • No hidden fees policy
- • Refund procedures
Data Protection
Protection of personal and business information
- • Privacy policy compliance
- • Secure data handling
- • Limited data sharing
Dispute Resolution
Fair process for resolving conflicts
- • Complaint procedures
- • Escalation process
- • Legal remedies
Our Intellectual Property
- • Website content, design, and functionality
- • Trademarks, logos, and brand materials
- • Proprietary software and technology
- • Educational content and materials
- • Data compilation and analysis
- • Marketing and promotional materials
Your Usage Rights
- • Limited license to use our services
- • Personal, non-commercial use of content
- • No right to copy, distribute, or modify
- • No use of our trademarks without permission
- • Rights terminate upon agreement termination
- • Fair use exceptions apply as legally permitted
Copyright Protection
All content on BuySuretyBonds.com is protected by copyright and other intellectual property laws. Unauthorized reproduction, distribution, or modification is prohibited and may result in legal action.
Third-Party Content
We respect third-party intellectual property rights and expect users to do the same. If you believe content on our site infringes your rights, please contact us with:
- • Description of the copyrighted work
- • Location of the infringing material
- • Your contact information
- • Statement of good faith belief
- • Electronic signature or authorization
⚠️ MANDATORY LEGAL DISCLAIMERS
THESE LIMITATIONS ARE ESSENTIAL TO OUR BUSINESS MODEL AND DEFINE THE ABSOLUTE MAXIMUM SCOPE OF ANY POTENTIAL LIABILITY. BY USING OUR SERVICES, YOU ACKNOWLEDGE AND ACCEPT THESE LIMITATIONS AS REASONABLE AND ENFORCEABLE.
Comprehensive Service Disclaimers
No Guarantee of Any Results
We provide NO GUARANTEES OR WARRANTIES regarding bond approval, pricing, timing, or any other outcomes. All results depend entirely on third-party decisions beyond our control.
Information Service Only
Our services are INFORMATIONAL ONLY and do not constitute legal, financial, insurance, or professional advice of any kind. We are not qualified to provide such advice and expressly disclaim any such role.
Complete Third-Party Independence
We have NO CONTROL over and NO LIABILITY for the actions, decisions, pricing, service quality, timing, or any other aspect of third-party providers. They are completely independent businesses.
No Accuracy Warranty
ALL INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY. We make no representations about accuracy, completeness, currency, or reliability of any information, whether from us or third parties.
No Agency or Partnership
We are NOT agents, partners, joint venturers, or representatives of any surety providers. We have no authority to bind them or act on their behalf.
Technology Limitations
We disclaim all liability for website downtime, technical errors, data loss, security breaches, or any technology-related issues beyond our reasonable control.
ABSOLUTE LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL BUYSURETYBONDS.COM, ITS OWNERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:
- • ZERO LIABILITY (Current Model): Since our current services are free to users, our total liability is $0.00 for any and all claims
- • Maximum $100 (Future Model): Even in future paid models, total liability capped at lesser of $100 or actual fees paid in preceding 12 months
- • NO INDIRECT DAMAGES: No liability for lost profits, business interruption, consequential, incidental, punitive, or special damages
- • NO THIRD-PARTY CLAIMS: Zero liability for actions, errors, omissions, or misconduct by any third-party providers
- • SHORT CLAIM PERIOD: All claims must be brought within 6 months of the incident or be forever barred
- • NO CLASS ACTIONS: Users waive all rights to participate in class action lawsuits
- • NO ATTORNEY FEES: Each party bears its own legal costs regardless of outcome
AS-IS AND AS-AVAILABLE DISCLAIMER
ALL SERVICES ARE PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS.
We expressly disclaim all warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, performance, or results.
COMPREHENSIVE USER INDEMNIFICATION
Users agree to defend, indemnify, and hold completely harmless BuySuretyBonds.com and all related parties from ALL claims, damages, costs, and expenses (including reasonable attorney fees) arising from or related to:
- • Your use or misuse of our services
- • Any violation of these Terms or applicable laws
- • Any inaccurate, false, or misleading information you provide
- • Your interactions with third-party providers
- • Any content you submit or transmit through our services
- • Any infringement of third-party intellectual property rights
- • Any decisions you make based on information from our services
- • Any business losses or damages claimed by you or third parties
- • Any regulatory violations or compliance failures on your part
- • Any claims by third parties related to your use of our services
FORCE MAJEURE AND EXCUSED PERFORMANCE
We shall not be liable for any failure to perform due to causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, government actions, labor disputes, internet outages, third-party service failures, cyberattacks, or any other unforeseen circumstances.
SURVIVABILITY OF LIMITATIONS
These liability limitations, disclaimers, and indemnification obligations survive termination of these Terms, cancellation of services, and any other end to our business relationship. They remain in full force and effect indefinitely.
| Compliance Area | Applicable States | Key Requirements |
|---|---|---|
| Insurance Regulations | All 50 States |
|
| Lead Generation Laws | All 50 States |
|
| Business Licensing | All 50 States |
|
Current Compliance Status
- • Lead generation regulations compliance
- • Consumer protection law adherence
- • Privacy law compliance (CCPA, VCDPA, etc.)
- • Truth in advertising standards
- • TCPA compliance for communications
Future Compliance Commitments
- • Insurance producer licensing
- • E&O insurance maintenance
- • Continuing education requirements
- • Claims handling compliance
- • Financial responsibility standards
Regulatory Updates
We actively monitor changes in state and federal regulations affecting our industry. As regulations evolve, we update our practices and these Terms to maintain compliance. Users will be notified of material changes affecting their rights or obligations.
User-Initiated Termination
- • You may stop using our services at any time
- • No formal cancellation required for current model
- • Future agency model may require formal notice
- • Outstanding obligations remain in effect
- • Data deletion requests honored per privacy policy
Company-Initiated Termination
- • We may terminate for Terms violations
- • Immediate termination for illegal activities
- • 30-day notice for non-material violations
- • Right to suspend services during investigation
- • Opportunity to cure violations when possible
Effects of Termination
Immediate Effects
- • Access to services discontinued
- • No new lead generation
- • Account access suspended
- • New applications rejected
Ongoing Obligations
- • Existing provider relationships continue
- • Payment obligations remain
- • Confidentiality requirements persist
- • Legal claims unaffected
Data Treatment
- • Data retention per privacy policy
- • Legal requirements honored
- • Deletion requests processed
- • Provider notifications handled
Service Continuity
We strive to provide continuous service availability. In the event of service discontinuation, we will provide reasonable notice and assistance in transitioning to alternative providers when possible.
MANDATORY BINDING ARBITRATION
ALL DISPUTES MUST BE RESOLVED THROUGH INDIVIDUAL BINDING ARBITRATION. YOU WAIVE ALL RIGHTS TO JURY TRIAL, CLASS ACTION, OR COURT PROCEEDINGS.
Arbitration Requirements
- • Individual Claims Only: No class actions, group claims, or representative actions allowed
- • American Arbitration Association: All arbitration conducted under AAA Commercial Rules
- • Single Arbitrator: Appointed by AAA, must be attorney with 10+ years experience
- • Location: Arbitration held in our home jurisdiction only
- • Costs: User pays all arbitration fees and costs if claim unsuccessful
- • Limited Discovery: No depositions, limited document requests
- • No Appeal: Arbitrator decision is final and binding
- • Confidentiality: All proceedings and outcomes remain confidential
Pre-Arbitration Requirements
Mandatory 60-Day Notice
Before filing arbitration, user must provide detailed written notice and wait 60 days for our response. Failure to comply voids all claims.
Good Faith Negotiation
User must participate in good faith negotiations for minimum 30 days. Refusal to negotiate results in claim dismissal.
Prohibited Claims and Damages
The following claims and damage types are COMPLETELY PROHIBITED:
- • Claims for punitive, exemplary, or statutory damages
- • Lost profits, business interruption, or consequential damages
- • Claims seeking injunctive or equitable relief
- • Claims related to third-party provider actions
- • Claims for emotional distress or mental anguish
- • Claims exceeding the liability caps set forth herein
- • Claims brought more than 6 months after incident
- • Claims by non-direct users of our services
JURISDICTION AND GOVERNING LAW
- • Exclusive Jurisdiction: Delaware state courts (if arbitration invalid)
- • Governing Law: Delaware state law, excluding conflict rules
- • Federal Arbitration Act: Governs arbitration enforceability
- • Venue: New Castle County, Delaware only
- • Service of Process: Registered agent in Delaware
- • No Personal Jurisdiction: Users consent to Delaware jurisdiction
Fee Shifting and Cost Recovery
If user initiates unsuccessful claim or arbitration:
- • User pays ALL our attorney fees and legal costs
- • User pays arbitration fees, administration costs, and venue expenses
- • User pays our opportunity costs and business interruption expenses
- • These obligations survive any settlement or dismissal
- • No recovery if our liability is $0 under these Terms
Regulatory and Administrative Proceedings
While users may file regulatory complaints, they agree that:
- • Regulatory proceedings do not waive arbitration requirements
- • Users cannot seek monetary damages through regulatory channels
- • Any regulatory penalties do not increase our liability to users
- • Users remain bound by liability caps and damage limitations
- • Regulatory orders do not override these contractual limitations
Enforceability and Severability
If any portion of this arbitration provision is found unenforceable, the remainder remains in full effect. If arbitration is completely unavailable, disputes must be resolved in Delaware courts under Delaware law with all other limitations remaining in force.
Modification Process
We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. Material changes will be handled as follows:
Non-Material Changes
- • Updated "Last Updated" date
- • Posted on website
- • Effective immediately upon posting
- • Clarifications and minor corrections
Material Changes
- • 30-day advance notice to users
- • Email notification to registered users
- • Prominent website notice
- • Opportunity to object or terminate
Service Transition Changes
As we transition from lead generation to direct agency operations, we will provide enhanced notice and transition procedures:
- • Minimum 60-day notice of service model changes
- • Detailed explanation of new services and terms
- • Option to continue with existing providers
- • Clear choice to accept new terms or discontinue services
- • Assistance with service transition when possible
User Acceptance
Your continued use of our services after Terms changes take effect constitutes acceptance of the updated Terms. If you disagree with changes:
- • You may discontinue use of our services
- • Contact us to discuss specific concerns
- • Complete pending transactions under previous terms when possible
- • Your rights under previous versions remain for prior transactions
Version Control
We maintain version control of these Terms and will make previous versions available upon request for legal and reference purposes. The current version always governs new transactions and ongoing relationships.
🛡️ COMPREHENSIVE BUSINESS PROTECTION CLAUSES
These provisions are designed to provide maximum legal protection for our business operations and minimize exposure to claims, lawsuits, and financial liability.
Independent Contractor and Lead Generation Disclaimers
No Employment or Agency Relationship
Users are NOT employees, agents, or representatives of BuySuretyBonds.com. No employment benefits, insurance, or labor law protections apply.
Lead Generation Only
We provide ONLY lead generation and referral services. We are NOT insurance agents, brokers, or financial advisors and disclaim all professional duties.
Third-Party Provider Independence
COMPLETE SEPARATION FROM PROVIDER ACTIONS AND DECISIONS:
- • Providers are completely independent contractors with no control by us
- • We have no knowledge of or control over provider business practices
- • Provider pricing, terms, and service quality are entirely their responsibility
- • We do not endorse, guarantee, or warrant any provider services
- • Provider licensing, compliance, and legal obligations are their sole responsibility
- • Any provider misconduct, errors, or failures are not attributable to us
- • Users assume all risks when working with referred providers
Information and Technology Disclaimers
Content Accuracy
ALL content is provided "AS IS" without any warranty of accuracy, completeness, or timeliness. Information may be outdated or incorrect.
Technical Performance
No guarantee of website uptime, functionality, or data integrity. Technical issues are not grounds for claims or compensation.
External Links
Zero liability for content, actions, or policies of any linked websites or external resources referenced in our materials.
Business Operations Protection
Users acknowledge and agree to the following business protection provisions:
- • We may modify, suspend, or discontinue services at any time without notice
- • No guarantee of service continuity, availability, or performance levels
- • Right to refuse service to any user for any reason at our sole discretion
- • Right to change business model, pricing, or service offerings without liability
- • No obligation to maintain historical data, accounts, or service records
- • Right to assign, transfer, or sell business assets without user consent
- • Protection against business interference or competitive intelligence gathering
Intellectual Property Protection
Enhanced protection for our intellectual property and business methods:
- • Users may not reverse engineer, copy, or replicate our business processes
- • Strict prohibition on data scraping, mining, or automated data collection
- • No use of our content, methods, or information for competitive purposes
- • Confidentiality obligations regarding any business information obtained
- • Liquidated damages of $10,000 per violation of intellectual property rights
- • Right to immediate injunctive relief for intellectual property violations
Regulatory and Compliance Protection
Protection against regulatory and compliance-related claims:
- • Users are responsible for their own regulatory compliance and licensing
- • We provide no legal, regulatory, or compliance advice or services
- • No liability for changes in laws, regulations, or industry requirements
- • Users indemnify us against all regulatory claims, fines, or penalties
- • No warranty that our services meet user's specific compliance needs
- • Right to suspend services if regulatory issues arise
Economic and Market Risk Disclaimers
No liability for economic conditions or market changes affecting users:
- • No responsibility for insurance market hardening or softening
- • No liability for changes in bond availability, pricing, or terms
- • No guarantee of consistent provider availability or capacity
- • No protection against economic downturns affecting bonding markets
- • User assumes all business and economic risks from using our services
Survival and Enforcement
PERMANENT ENFORCEABILITY:
ALL liability limitations, disclaimers, indemnification provisions, and protective clauses in these Terms survive termination of services, business closure, asset sale, or any other change in business status. They remain enforceable indefinitely and bind users' heirs, successors, and assigns.
General Legal Inquiries
legal@buysuretybonds.com
Phone
(800) 666-3724
Legal Notice Address
BuySuretyBonds.com
Legal Department
1234 Business Ave, Suite 100
Business City, ST 12345
Service Issues
For service-related questions, technical issues, or general support.
support@buysuretybonds.com
Privacy Matters
For privacy policy questions, data requests, or CCPA/VCDPA inquiries.
privacy@buysuretybonds.com
Regulatory Compliance
For regulatory questions, licensing inquiries, or compliance matters.
compliance@buysuretybonds.com
Response Timeline
We will respond to legal inquiries within 10 business days. For urgent matters requiring immediate attention, please call our main number and specify the urgent nature of your inquiry. Service-related questions typically receive responses within 24-48 hours.
These Terms of Service are effective as of January 21, 2025 and govern all use of BuySuretyBonds.com services. We are committed to transparent business practices and regulatory compliance as we serve customers across all 50 states.
By using BuySuretyBonds.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.