Terms and Conditions
Please read these terms and conditions carefully before using our services.
Last Updated: June 1, 2025
1. Introduction
These Terms and Conditions ("Terms") govern your use of the Transco Insurance website (www.transcoinsurance.com) and all related services provided by Transco Insurance ("we," "us," or "our"). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
2. Definitions
In these Terms:
- "Services" refers to all insurance products, quotes, claims processing, and related services provided by Transco Insurance.
- "Website" refers to www.transcoinsurance.com and all associated web pages.
- "User," "you," or "your" refers to any individual or entity accessing or using our Website or Services.
- "Content" refers to all information, text, graphics, images, and other materials displayed on or available through our Website.
3. Use of Our Website and Services
3.1 Eligibility
You must be at least 18 years old and capable of forming a legally binding contract to use our Website and Services. By using our Website and Services, you represent and warrant that you meet these requirements.
3.2 Account Creation
Some features of our Website may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
3.3 Prohibited Activities
When using our Website and Services, you agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others
- Submit false or misleading information
- Interfere with the proper functioning of the Website
- Attempt to gain unauthorized access to any part of the Website
- Use the Website for any fraudulent or illegal purpose
- Engage in any activity that could damage, disable, or impair our servers or networks
4. Insurance Policies and Coverage
4.1 Policy Terms
All insurance policies issued by Transco Insurance are subject to their own specific terms and conditions. The terms outlined in your policy documents take precedence over any general information provided on our Website.
4.2 Quotes and Pricing
Insurance quotes provided through our Website are estimates based on the information you provide. Final premiums and coverage are subject to underwriting review and approval. We reserve the right to modify, refuse, or cancel coverage in accordance with our underwriting guidelines and applicable law.
4.3 Accuracy of Information
You are responsible for providing accurate and complete information when requesting quotes or purchasing insurance. Providing false or incomplete information may result in denial of coverage, cancellation of policies, or denial of claims.
5. Intellectual Property
All content on our Website, including but not limited to text, graphics, logos, images, and software, is the property of Transco Insurance or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
6. Privacy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Website and Services, you consent to the collection and use of your information as described in our Privacy Policy.
7. Limitation of Liability
To the maximum extent permitted by law, Transco Insurance and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in connection with your use of our Website or Services.
Our total liability for any claim arising out of or relating to these Terms or our Website shall not exceed the amount paid by you, if any, for accessing our Website or using our Services during the twelve (12) months preceding the claim.
8. Disclaimer of Warranties
Our Website and Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our Website will be uninterrupted, error-free, or free from viruses or other harmful components. You use our Website at your own risk.
9. Indemnification
You agree to indemnify, defend, and hold harmless Transco Insurance and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or in connection with your use of our Website or Services, your violation of these Terms, or your violation of any rights of another.
10. Modifications to Terms
We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our Website with a new "Last Updated" date. Your continued use of our Website or Services after such changes constitutes your acceptance of the modified Terms.
11. Termination
We may terminate or suspend your access to our Website or Services at any time, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state of New York, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or your use of our Website or Services shall be brought exclusively in the federal or state courts located in New York County, New York.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy and any other legal notices or additional terms and conditions published on our Website, constitute the entire agreement between you and Transco Insurance concerning your use of our Website and Services.
15. Contact Information
If you have any questions about these Terms, please contact us at:
Transco Insurance
123 Insurance Plaza
New York, NY 10001
Email: legal@transcoinsurance.com
Phone: 1-800-TRANSCO