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DeFrain Insurance Inc. Defacto Terms of Service ("Terms")

Last updated: 01/26/2016

Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the  website (the "Service") operated by DeFrain Insurance, Inc.

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.


The Information contained in may be protected under intellectual property laws and rights (including without limitation laws protecting copyright and trademarks). If the User downloads, copies, transmits, publishes, stores or otherwise uses the Information without the consent of the owner of such rights, the User may infringe such laws or rights. It is the User's responsibility to determine whether any such infringement (Copyright Infringement ) will occur.

General Disclaimer expressly, to the extent permitted by law, disclaims any responsibility, representation or warranty:

(a) in relation to the quality, operation, use, accuracy, or timeliness of, or the fitness or use for any purpose of the Services or the Information;

(b) in relation to any goods or services accessed, offered or obtained through the Servers or the Services or pursuant to the Information;

(c) that any access to the Servers, the Services or the Information will be uninterrupted or error free or that the Information does not contain any viruses, or contaminating or destructive properties;

(d) that the Information will not be objectionable or offensive to the User or any other person; and

(e) for any error, omission or misstatement in or arising from the Information. DeFrain Insurance Inc. does not endorse or recommend any person, organization, name, product or service referred to in the Information, nor does the Information constitute DeFrain Insurance Inc. views or opinions. DeFrain Insurance Inc. will not be a party to any transaction between the User and any third person in any way relating to the Information or made through the Servers or the Services unless and only to the extent expressly stated in writing otherwise.

Limitation of Liability
To the extent permitted by law, DeFrain Insurance Inc. shall not be liable to the User or any other person whether in tort, contract, statute or otherwise (including without limitation for negligence, breach of contract, defamation, or intellectual property right infringement) for:

(a) any direct loss;

(b) any consequential or indirect loss (including without limitation loss of revenue or profits); or

(c) the User's liability to any other person, which is suffered or incurred by the User or any other
person arising under or in any way out of the Information or the Services.


We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled
by DeFrain Insurance, Inc. DeFrain Insurance Inc. has no control over, and assumes no responsibility for, the
content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that DeFrain Insurance, Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Governing Law

These Terms shall be governed and construed in accordance with the laws of United States , without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements
we might have between us regarding the Service.


We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a
revision is material we will try to provide at least 30 (change this) days notice prior to any new
terms taking effect. What constitutes a material change will be determined at our sole discretion

By continuing to access or use our Service after those revisions become effective, you agree to
be bound by the revised terms. If you do not agree to the new terms, please stop using the

Contact Us

If you have any questions about these Terms, please contact us.

DeFrain Insurance Inc.

2114 Drew St. # C

Clearwater FL, 33756


Last Update: 01-26-2016