Terms & Conditions

Last updated: 26/08/2025

PLEASE READ THIS USER AGREEMENT AND ALL OTHER AGREEMENTS AND POLICIES REFERENCED HEREIN COLLECTIVELY DEFINED BELOW AS THE "TERMS AND CONDITIONS" CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS.

This User Agreement (this "Agreement") is a contract between you ("you" or "User") and Turnbull Trading LLC ("we," or "us"). To the extent expressly stated, you must read, agree to, and accept all of the terms and conditions contained in this Agreement to be a User of our website. You (website "user") understand and recognize that Turnbull Trading LLC is not a party to any agreement, contract or contractual relations, of any nature, entered into between the users of its website.

YOU UNDERSTAND THAT BY USING THE SITE AFTER THE EFFECTIVE DATE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS IN ITS ENTIRETY, YOU MUST NOT ACCESS OR USE THE SITE AFTER THE EFFECTIVE DATE EXCEPT AS PERMITTED BY THE SITE TERMS OF USE.

About Turnbull Trading LLC

Our mission at Turnbull Trading LLC is to make the families we protect and the families of our agents our number one priority. Trust and loyalty is not given, it is earned and all of us here will give everything we have to earn it with our clients and our agents.

We specialize in comprehensive insurance and financial services including life insurance, final expense insurance, retirement planning, and various insurance products. We work with multiple insurance carriers to be able to meet all our clients' needs.

Definitions

"Turnbull Trading LLC" refers to our company and services
"T&Cs" refers to these Terms and Conditions
"Services" refers to insurance consultation, quotes, and related services
"Website" refers to our consultation form and related web pages

Scope

These Terms are intended to supplement and not to replace any existing agreements between you and Turnbull Trading LLC regarding services offered.

Your use of the Website is at user's discretion and sole risk. Turnbull Trading LLC is not responsible for any harm that may result or arise out of use of the platforms.

Ownership2

All rights to this Website, the content, information herein and other services and materials made available on this Website, including software application, copyright information and proprietary notices that may be provided, (collectively the "Materials") are proprietary to Turnbull Trading LLC, its subsidiaries, or third parties from which Turnbull Trading LLC have gotten permission from and are protected by worldwide copyright laws as well as other intellectual property laws.

Data Security Policy

Turnbull Trading LLC will take the appropriate and reasonable measures to ensure that data transported electronically to us through the website or otherwise and stored by Turnbull Trading LLC or otherwise is not accessed by an unauthorized third party/parties. We do not store credit or debit card details on our site.

User Responsibilities

By using our services, you agree to:

Provide accurate and complete information
Use the website only for lawful purposes
Not attempt to access unauthorized areas of the website
Respect the intellectual property rights of Turnbull Trading LLC
Not interfere with the website's operation or other users' access

Limitation of Liability

To the fullest extent permitted by law, Turnbull Trading LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services.

Choice of Law

These Terms and Conditions of Use shall be governed by and construed in accordance with applicable United States federal law, without reference to "conflicts of laws" provisions or principles.

Changes to Terms

Turnbull Trading LLC reserves the right to update and change these Terms and Conditions of Use from time to time at its sole discretion. Please check the Terms and Conditions of Use periodically for changes. Your continued use of this Website following the posting of any changes to the Terms and Conditions of Use will confirm your acceptance of those changes.