Introduction

Welcome to the website of Opulence Insurance & Annuities, Inc. (“Opulence”, “we”, “us”, or “our”). These Terms and Conditions govern your access to and use of our website, including any content, functionality, and services offered on or through our website (collectively, the “Service”).

By accessing or using the Service, you agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you must not access or use the Service. Please read these Terms and Conditions carefully.

Acceptance of Terms

By accessing or using the Service provided by Opulence Insurance & Annuities, Inc. (“the Company”), you, the User, acknowledge and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, you must not access or use the Service. The Company reserves the right to modify, alter, or update these Terms and Conditions at any time, and by continuing to use the Service after such modifications, alterations, or updates have been made, you agree to be bound by such revised Terms.

Changes to Terms

The Company reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, the Company will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at the Company’s sole discretion.

By continuing to access or use the Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Privacy Policy

This Privacy Policy outlines the types of personal information that is received and collected by the Company and how it is used. By accessing or using the Service, you agree to be bound by the Terms, including this Privacy Policy set forth elsewhere and herein.

1. Information Collection: The Company collects information from you when you register on the Service, place an order, subscribe to a newsletter, respond to a survey, fill out a form, or enter information on our site. The information collected may include your name, email address, phone number, or credit card information.
2. Use of Information: The Company may use the information we collect from you in the following ways: to personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested; to improve our website in order to better serve you; to allow us to better service you in responding to your customer service requests; to administer a contest, promotion, survey or other site feature; to quickly process your transactions; to send periodic emails regarding your order or other products and services.
3. Information Protection: The Company implements a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. These security measures include, but are not limited to, password protected directories and databases to safeguard your information, SSL (Secure Sockets Layer) technology to ensure that your information is fully encrypted and sent across the Internet securely, or PCI Scanning to actively protect our servers from hackers and other vulnerabilities.
4. Third-Party Disclosure: The Company does not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.
5. Third-Party Links: Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
6. Consent: By using our Service, you consent to our privacy policy.

Access and Use of the Website

This clause governs the access and use of the Service by Users. By accessing or using the Service, Users agree to be bound by these Terms. If a User does not agree to these Terms, they must not access or use the Service.

The Company grants Users a limited, non-exclusive, non-transferable, revocable license to access and use the Service strictly in accordance with these Terms. This license is for the sole purpose of enabling Users to use and enjoy the benefit of the Service as provided by the Company, in the manner permitted by these Terms.

Users agree not to use the Service for any purpose that is illegal or prohibited by these Terms. Users may not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service. Users agree not to obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service.

The Company reserves the right to terminate or restrict access to the Service for any User who violates these Terms or engages in any activity that the Company deems harmful to the Service, other Users, or any third parties. The Company also reserves the right to modify, suspend, or discontinue the Service (or any part thereof) at any time with or without notice to Users. Users acknowledge and agree that the Company shall not be liable to Users or any third party for any modification, suspension, or discontinuation of the Service.

Intellectual Property Rights

All intellectual property rights in and to the Service, including but not limited to copyright, trademarks, service marks, trade names, domain names, logos, and any other distinctive brand features, are owned by or licensed to the Company. The use of the Service does not grant Users any rights to or in the intellectual property of the Company or that of any third parties.

Users may not use, reproduce, modify, distribute, display, perform, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Service without the express written consent of the Company. This includes, but is not limited to, any content, images, or data accessible through the Service.

The Company reserves all rights not expressly granted to Users under these Terms. Any unauthorized use of the Service’s intellectual property rights is a violation of these Terms and may be a breach of copyright, trademark, and other laws. Users agree to immediately cease any such unauthorized use and notify the Company of any such use of which they become aware.

User Obligations

By accessing or using the Service, you, the User, agree to comply with the following obligations:

• You must not misuse the Service by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service. You also must not attack the Service via a denial-of-service attack or a distributed denial-of service attack.
• You agree not to use the Service for any purpose that is unlawful or prohibited by these Terms. You may not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party’s use and enjoyment of the Service.
• You agree to provide true, accurate, current, and complete information about yourself as prompted by the Service’s registration form (“Registration Data”) and maintain and promptly update the Registration Data to keep it true, accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, or if the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).
• You are responsible for maintaining the confidentiality of your password and account, if any, and are fully responsible for any and all activities that occur under your password or account. You agree to immediately notify the Company of any unauthorized use of your password or account or any other breach of security.
• You agree to comply with all local, state, national, and international laws and regulations applicable to your use of the Service.

Prohibited Activities

In using the Service, you agree not to engage in any of the following prohibited activities:

• Copy, distribute, or disclose any part of the Service in any medium, including without limitation by any automated or non-automated “scraping”.
• Use any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Service in a manner that sends more request messages to the Company servers than a human can reasonably produce in the same period of time by using a conventional online web browser.
• Transmit spam, chain letters, or other unsolicited email.
• Attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the Service.
• Take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure.
• Upload invalid data, viruses, worms, or other software agents through the Service.
• Collect or harvest any personally identifiable information, including account names, from the Service.
• Use the Service for any commercial solicitation purposes.
• Impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity.
• Interfere with the proper working of the Service.
• Access any content on the Service through any technology or means other than those provided or authorized by the Service.
• Bypass the measures we may use to prevent or restrict access to the Service, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Service or the content therein.

Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

THE COMPANY MAKES NO WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF THE CONTENT, INFORMATION, SOFTWARE, TEXT, GRAPHICS, LINKS, OR COMMUNICATIONS PROVIDED ON OR THROUGH THE USE OF THE SERVICE. USERS USE THE SERVICE AT THEIR OWN RISK AND ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO THEIR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE COMPANY OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Opulence Insurance & Annuities, Inc. (“the Company”), its officers, directors, employees, or agents be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Service, with the delay or inability to use the Service or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Service, or otherwise arising out of the use of the Service, whether based on contract, tort, negligence, strict liability or otherwise, even if the Company or any of its suppliers has been advised of the possibility of damages. If you are dissatisfied with any portion of the Service, or with any of these Terms, your sole and exclusive remedy is to discontinue using the Service. This limitation of liability clause shall survive the termination or expiration of these Terms.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, licensors, and suppliers, from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms or your use of the Service, including, but not limited to, any content you post, any use of the Service’s content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Service.

Governing Law

This Agreement and any dispute or claim arising out of, or related to it, shall be governed by and construed in accordance with the internal laws of the jurisdiction without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Service shall be instituted exclusively in the federal courts of the United States or the courts of the State in which the Company has its principal place of business. By using the Service, Users consent to the jurisdiction of such courts and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Dispute Resolution

In the event of a dispute arising out of or in connection with these Terms, the parties shall first seek to resolve the dispute informally for at least thirty (30) days before initiating any arbitration or court proceedings. Such informal negotiations commence upon written notice from one party to the other.

If the dispute cannot be resolved informally, the parties agree to submit the dispute to binding arbitration. The arbitration shall be conducted by a single arbitrator, selected in accordance with the rules of the American Arbitration Association. The arbitration will take place in the jurisdiction where the Company is located, unless otherwise agreed upon by the parties in writing. The decision of the arbitrator shall be final and binding on the parties, and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive relief or other equitable relief from any court of competent jurisdiction to protect its intellectual property rights or to prevent loss of data or damage to its servers. In such cases, the parties consent to the exclusive jurisdiction and venue of the federal and state courts located in the jurisdiction where the Company is located.

By using the Service, the User agrees that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, the User waives any right to a jury trial.

Contact Information

For any questions or concerns regarding the Service, the Company, or these Terms, users may contact the Company using the following information:

• Email: support@oiainsure.com
• Address: 11 Hope Rd Ste 111-145, Stafford, VA 22554

This contact information may be used for legal notices, service inquiries, or any other communications related to the use of our Service.