Effective date: January 1, 2026
These Terms and Services (“Terms”) govern your access to and use of the website terlikonline.com (the “Site”) operated by TerlikOnline (“we,” “us,” or “our”), together with any related digital tools, forms, and content. By accessing the Site, you agree to these Terms. If you do not agree, do not use the Site.
TerlikOnline is an insurance agency and advisory platform. We help individuals, families, and businesses evaluate, procure, and service insurance products issued by third-party insurance carriers (“Carriers”). We are not an insurance company. Coverage is provided solely by Carriers subject to their policy forms, exclusions, conditions, and endorsements.
Information on the Site is for general educational purposes. It does not constitute legal, tax, or financial advice, nor does it modify any insurance contract. Only the issued policy documents, including declarations pages and endorsements, govern coverage. In the event of a conflict between Site content and a policy, the policy controls.
You must be at least eighteen (18) years old and capable of forming a binding contract to use our quote tools or submit inquiries. You agree to provide accurate, complete, and current information. Misrepresentation may void quotes, applications, or coverage and may violate insurance fraud statutes.
If we provide portal credentials, you are responsible for safeguarding passwords and notifying us promptly of unauthorized access. We may suspend access to protect you and our systems.
Online and emailed quotes are estimates unless explicitly marked as bindable and accepted by a Carrier. Premiums may change after underwriting review, inspection, loss history verification, or regulatory filing updates. A quote is not an offer of insurance; an offer is made only when a Carrier issues a binder or policy.
You authorize us to share application data with Carriers, premium finance companies, and service providers as needed to place coverage. You must review all application answers before signing. Electronic signatures and recorded consents may be used where permitted.
Insurance premiums are collected by Carriers or their billing partners unless otherwise disclosed. We may charge separate advisory or service fees for certain programs as described on our Pricing page or in engagement letters. We may receive commissions from Carriers, which are considered earned when policies are placed and may be contingent on policy retention. We design recommendations in your interest regardless of compensation structure, consistent with applicable laws and appointments.
Claim decisions rest with Carriers based on policy language and investigation findings. Our claims advocacy helps you document losses, meet deadlines, and communicate with adjusters but does not guarantee payment. You must mitigate further damage, cooperate with investigations, and avoid misrepresenting facts. Failure to report claims promptly may reduce or deny benefits.
You agree not to:
We may monitor usage to maintain security and improve services, consistent with our Privacy Policy.
The Site, including text, graphics, logos, icons, software, and compilation, is owned by TerlikOnline or licensors and protected by copyright and trademark laws. The TerlikOnline name, shield logo, and taglines may not be used without consent. Limited personal, non-commercial viewing and printing is permitted.
The Site may link to Carrier portals, payment processors, or educational resources. We do not control third-party sites and are not responsible for their content, privacy practices, or availability. Your use of third-party services is at your own risk and subject to their terms.
By submitting forms or subscribing to updates, you consent to receive communications electronically, including policy documents where permitted. You may withdraw marketing consent via unsubscribe tools; transactional and legally required notices may continue while policies are active.
THE SITE AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION. COVERAGE EXAMPLES ARE ILLUSTRATIVE ONLY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TERLIKONLINE AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL ARISING FROM SITE USE OR INSURANCE PLACEMENT. OUR TOTAL LIABILITY FOR DIRECT DAMAGES RELATED TO THE SITE IN ANY TWELVE-MONTH PERIOD WILL NOT EXCEED ONE HUNDRED DOLLARS (USD $100) OR THE AMOUNT YOU PAID US IN ADVISORY FEES DURING THAT PERIOD, WHICHEVER IS GREATER.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.
You agree to defend, indemnify, and hold harmless TerlikOnline from claims arising out of your misuse of the Site, inaccurate application information, violation of these Terms, or infringement of third-party rights, except to the extent caused by our gross negligence or willful misconduct.
Insurance is regulated at the state level. We maintain licenses and appointments as required for the products we offer. Product availability varies by jurisdiction. If you move or change risk location, notify us to verify continued compliance and coverage.
Our collection and use of personal information is described in the Privacy Policy, incorporated into these Terms by reference.
We may update these Terms to reflect legal, regulatory, or operational changes. Revised Terms will be posted with a new effective date. Continued use after changes constitutes acceptance. Material changes to active engagements may also be communicated by email where appropriate.
We may suspend or terminate Site access for violations of these Terms or to protect users and systems. Provisions that by nature should survive termination — including intellectual property, disclaimers, limitations of liability, indemnity, and dispute resolution — will survive.
These Terms are governed by the laws of the state in which TerlikOnline maintains its principal licensing office, without regard to conflict-of-law rules. Except where prohibited, disputes will be resolved through binding arbitration on an individual basis, and you waive class or representative actions. Either party may seek injunctive relief in court for intellectual property or unauthorized access.
Questions about these Terms may be submitted through our Contact Us form or via email at contact@terlikonline.com.
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