TERMS OF USE

Welcome to LTM Insurance Center ("we," "us," or "our"). By accessing or using our website [ltminscenter.com](https://ltminscenter.com) (the "Site"), you agree to comply with and be bound by the following Terms and Conditions. If you do not agree to these terms, please do not use our Site.

#### 1. **Acceptance of Terms**
By using our Site, you indicate your acceptance of these Terms and Conditions. We reserve the right to modify these terms at any time, and it is your responsibility to review them periodically.

#### 2. **Services Provided**
LTM Insurance Center offers information and resources about insurance products and services. While we strive for accuracy, we do not guarantee the completeness or reliability of any information on our Site.

#### 3. **User Obligations**
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. You will not engage in any conduct that could damage, disable, overburden, or impair the Site.

#### 4. **Intellectual Property**
All content on the Site, including text, graphics, logos, and images, is the property of LTM Insurance Center or our licensors and is protected by copyright and other intellectual property laws. Unauthorized use of any material may violate these laws.

#### 5. **Third-Party Links**
Our Site may contain links to third-party websites. We do not endorse and are not responsible for the content, privacy policies, or practices of these websites. Accessing third-party links is at your own risk.

#### 6. **Limitation of Liability**
To the fullest extent permitted by law, LTM Insurance Center shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the Site or any content therein.

#### 7. **Indemnification**
You agree to indemnify and hold harmless LTM Insurance Center, its affiliates, and their respective officers, directors, and employees from any claims, losses, damages, liabilities, and expenses arising from your use of the Site or violation of these Terms and Conditions.

#### 8. **Governing Law**
These Terms and Conditions shall be governed by and construed in accordance with the laws of [Your State/Country]. Any disputes arising out of or related to these terms shall be resolved in the courts located in [Your County/City].

#### 9. **Changes to Terms**
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms and Conditions.

#### 10. **Contact Information**
If you have any questions about these Terms and Conditions, please contact us at:

909-964-2790