Terms of Service

These Terms of Service (“Terms”) govern your use of the website operated by CT Financial ServicesLLC (“CTFS,” “we,” “us,” or “our”) at ctfinserv.com. By using the site you agree to these Terms.

Informational use only

Content on this site is provided for general informational purposes. It is not insurance advice, legal advice, tax advice, or financial advice, and does not constitute an offer to sell or a binding quote of insurance.

Insurance policies are issued by the carriers we represent. Coverage availability, eligibility, terms, and pricing depend on the carrier’s underwriting decision and the policy form actually issued. The full terms of any insurance policy are governed by the policy contract, declarations page, and endorsements, not by anything stated on this site.

No agency relationship through the site

Submitting a quote request, sending us an email, or completing a form on this site does not create an insurance binder, a contract for coverage, or an agent-of-record relationship. Coverage is bound only after you have received written confirmation from us and the carrier has accepted the risk.

Licensing

CT Financial Services is licensed as an insurance producer in 11+ states. License details, including state license numbers and the agency National Producer Number (NPN), are available on request by emailing asingh@ctfinserv.com.

Carrier representations

Carrier names and logos referenced on this site are the property of their respective owners. Their appearance does not constitute an endorsement of CT Financial Services by the carrier or imply an exclusive relationship. We are an independent agency and we represent multiple carriers.

Quote, blog, and educational content

Coverage explanations, blog posts, dollar amounts, premium ranges, and example scenarios are illustrative. Actual coverage terms, premiums, and outcomes depend on individual facts, the carrier underwriting your specific policy, and state law. Do not rely on examples here as a substitute for reading the policy form you actually purchase.

Intellectual property

The site, including text, graphics, logos, and code, is owned by CT Financial Services or its licensors and is protected by copyright and other laws. You may share links to public pages and quote brief excerpts with attribution. You may not republish substantial portions of the content without our written permission.

Acceptable use

You agree not to use the site to transmit unlawful, harmful, or fraudulent content; to attempt unauthorized access to the site or any related systems; to interfere with the site’s operation; or to scrape, harvest, or otherwise collect data for purposes other than your own personal review.

Third-party links

The site may link to third-party websites we don’t control. We’re not responsible for the content, terms, or practices of third-party sites.

Disclaimers

The site is provided “as is” and “as available.” We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent allowed by law.

Limitation of liability

To the maximum extent allowed by law, CT Financial Services will not be liable for indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the site, even if we have been advised of the possibility of such damages.

Governing law

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict-of-laws principles. Disputes arising under these Terms will be resolved in the state or federal courts located in Fairfield County, Connecticut.

Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top indicates when the most recent change was made. Continued use of the site after changes constitutes acceptance.

Contact

Questions about these Terms can be sent to asingh@ctfinserv.com or by mail to 540 Tunxis Hill Road, Floor 2, Fairfield, CT 06825.