Terms of Service — Frontline Financial

1. Agreement

These Terms of Service ("Terms") govern your access to and use of the website located at frontline-finance.com (the "Site") and any related services (collectively, the "Services") provided by Frontline Financial ("Frontline", "we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2. Not Insurance or Financial Advice

Frontline is an independent insurance brokerage. Information on the Site is provided for general informational purposes only and is not a solicitation, offer, recommendation, or advice for any specific insurance product or financial decision. Insurance products are offered only through licensed agents and are subject to underwriting, eligibility, state availability, and the terms of the issuing carrier's policy.

3. Quote Requests and Communications

By submitting a quote, agent application, or other form on the Site, you authorize Frontline and our licensed agents to contact you by phone, email, SMS, or automated technology at the contact information you provided — including any number on the federal or state Do-Not-Call list — about insurance products, your application, or related services. Your consent is not a condition of any purchase. Standard message and data rates may apply. Reply STOP to unsubscribe from SMS at any time.

4. Accuracy of Information

You agree to provide accurate, current, and complete information in any form you submit. Premium estimates and product information shown on the Site are illustrative only; the actual cost, terms, and availability of coverage are determined by the issuing carrier at the time of application.

5. Acceptable Use

You agree not to use the Site to: (a) violate any law or regulation; (b) infringe any intellectual property or other right of any party; (c) transmit malicious code, spam, or fraudulent submissions; (d) attempt to gain unauthorized access to the Site or its underlying systems; or (e) scrape, copy, or reuse content without our prior written consent.

6. Intellectual Property

The Site, including its text, graphics, logos, and software, is owned by Frontline or its licensors and is protected by copyright and other laws. We grant you a limited, revocable, non-transferable license to access and use the Site for personal, non-commercial purposes.

7. Third-Party Links

The Site may contain links to third-party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third-party site.

8. Disclaimers

The Site is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

9. Limitation of Liability

To the fullest extent permitted by law, Frontline and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of, or inability to use, the Site.

10. Indemnification

You agree to defend, indemnify, and hold harmless Frontline from any claim or demand arising out of your use of the Site, your violation of these Terms, or your violation of any rights of another party.

11. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute will be brought exclusively in the state or federal courts located in San Bernardino County, California, and you consent to personal jurisdiction there.

12. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of the Site after a change becomes effective constitutes your acceptance of the revised Terms.

13. Contact

Questions about these Terms? Email info@frontline-finance.com or call (909) 227-7717.