Care and Save is a brand name owned and operated by Beltalk Solutions LLC
Effective Date: [08/21/2025]
Last Updated: [08/21/2025]
Welcome to Beltalk Solutions LLC (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our website, mobile applications, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must stop using our Services immediately.
- Purpose of Our Services
[Your Company Name] is an insurance marketing and lead generation platform that connects consumers with licensed insurance providers. We do not directly sell insurance products, issue policies, or make underwriting decisions. Our role is to help you compare options and connect you with qualified insurance agents or carriers who can meet your needs.
- Eligibility
By using our Services, you represent that you:
- Are at least 18 years of age.
- Are a resident of the United States.
- Have the legal capacity to enter into a binding agreement.
- No Insurance Advice
We are not an insurance company or licensed insurance agency. The content provided on our website, including articles, tools, and resources, is for informational purposes only and should not be considered professional insurance, financial, or legal advice. You should consult with a licensed insurance professional before making any purchase decisions.
- User Responsibilities
You agree to:
- Provide accurate, current, and complete information when using our forms or tools.
- Use our Services only for lawful purposes.
- Not engage in any activity that disrupts or interferes with the operation of our Services.
- Not use our Services to commit fraud or submit false insurance requests.
- Lead Submission and Consent
By submitting your personal information through our forms, you:
- Consent to be contacted by us and our marketing partners via phone, SMS, or email, even if you are on the National or State Do Not Call registry.
- Understand that standard messaging and data rates may apply.
- Authorize us to share your information with licensed insurance agents, carriers, and affiliates.
This consent is granted in compliance with the Telephone Consumer Protection Act (TCPA). You may revoke consent at any time by contacting us.
- Third-Party Providers
Our Services may link or connect you to third-party insurance carriers, agents, or websites. We do not control and are not responsible for:
- The accuracy of third-party content.
- The insurance products, pricing, or availability offered by third parties.
- The privacy or security practices of third-party websites.
- No Guarantee of Quotes or Coverage
Submitting your information does not guarantee:
- That you will receive a quote.
- That you will qualify for any insurance policy.
- That you will receive the lowest possible premium.
Insurance terms, conditions, and pricing are determined solely by the insurance carriers.
- Intellectual Property
All content on our website—including text, graphics, logos, videos, software, and design—is owned by [Your Company Name] or licensed to us and is protected under U.S. copyright, trademark, and intellectual property laws.
You may not:
- Copy, reproduce, or distribute our content without permission.
- Use our trademarks without written authorization.
- Prohibited Uses
You agree not to:
- Attempt to hack, disrupt, or interfere with our Services.
- Use automated tools (bots, crawlers, scrapers) without our consent.
- Misrepresent your identity or submit false data.
- Engage in spam or fraudulent marketing.
- Privacy Policy
Our Privacy Policy explains how we collect, use, and share your personal information. By using our Services, you also agree to our Privacy Policy.
- Disclaimers
- We make no warranties regarding the accuracy, completeness, or reliability of information provided.
- Our Services are provided “as is” and “as available,” without warranties of any kind, express or implied.
- We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
- Limitation of Liability
To the fullest extent permitted by law:
- Beltalk Solutions LLC and its affiliates will not be liable for any damages (direct, indirect, incidental, consequential, or punitive) arising from your use of our Services.
- This includes damages related to data loss, business interruption, or inability to access insurance products.
If applicable law does not allow such limitations, our liability will be limited to $100 or the amount you paid for our Services, whichever is less.
- Indemnification
You agree to defend, indemnify, and hold harmless [Your Company Name], its officers, employees, agents, and partners from any claims, damages, losses, or expenses (including attorneys’ fees) arising from your:
- Use of our Services.
- Violation of these Terms.
- Infringement of third-party rights.
- Governing Law
These Terms are governed by and interpreted under the laws of the State of [Your State], without regard to conflict of law principles.
Any disputes will be resolved in the state or federal courts located in [Your County, State], and you consent to their exclusive jurisdiction.
- Binding Arbitration
If a dispute arises, we will first attempt to resolve it informally. If unresolved, you agree to binding arbitration under the rules of the American Arbitration Association (AAA).
You waive the right to bring claims in court or participate in class actions, except where prohibited by law.
- Changes to Terms
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting on our website with a revised “Last Updated” date.
- Termination
We may suspend or terminate your access to our Services if you:
- Violate these Terms.
- Engage in fraudulent or harmful activity.
Termination does not waive our right to enforce prior breaches.
- Severability
If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force.
- Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and [Your Company Name] regarding your use of our Services.
20. Contact Information
Beltalk Solutions LLC
1309 Coffeen Avenue STE 1200,
Sheridan, Wyoming, 82801, USA
Email:info@beltalk.net
Phone: +1-614-8267475