Terms of Use for top3spo.com

Effective Date: March 1, 2025
Last Updated: August 7, 2025

Welcome to top3spo.com ("Website", "we", "us", "our"). By accessing or using this website, you agree to comply with and be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Website.

1. Acceptance of Terms

By using top3spo.com, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement. You agree to abide by all applicable local, national, and international laws and regulations.

2. Website Purpose

top3spo.com provides informational content on topics including but not limited to:

  • Insurance (auto, life, health, property, etc.)

  • Mortgage and real estate financing

  • Legal advice and attorney referrals

  • Personal and business loans

  • Credit scores and reports

  • Financial tools and guides

Note: We do not provide legal, financial, or professional advice. All content is for informational and educational purposes only. Always consult a qualified professional before making decisions.

3. Intellectual Property Rights

All content on top3spo.com including text, articles, graphics, logos, images, videos, and design is the intellectual property of top3spo.com or its content suppliers, protected under copyright, trademark, and other applicable laws.

You may not copy, reproduce, distribute, transmit, modify, or use any content from this site without our express written permission.

4. User Conduct

You agree not to:

  • Use the website for any unlawful purpose

  • Attempt to gain unauthorized access to the server or database

  • Post or transmit any harmful, threatening, abusive, defamatory, or obscene content

  • Interfere with the proper functioning of the site

  • Use bots, crawlers, or scraping tools without our consent

5. Third-Party Links & Affiliate Disclosure

top3spo.com may contain links to third-party websites and may participate in affiliate programs (e.g., Amazon Associates, insurance or loan providers). We are not responsible for the content or practices of these external sites.

Purchases or actions made via affiliate links may result in us earning a commission — at no additional cost to you. Sponsored content will be clearly disclosed.

6. Disclaimers

All content on top3spo.com is provided "as-is" and "as available" without warranties of any kind. We make no guarantees about:

  • Accuracy or completeness of the information

  • Suitability of the content for specific needs

  • Continued availability or performance of the website

We are not liable for decisions made based on information from this website.

7. Limitation of Liability

To the maximum extent permitted by law, top3spo.com and its owners, contributors, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to or use of the website.

This includes, but is not limited to, loss of data, profits, or business opportunities.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use your data, including information about cookies and analytics.

9. Modification of Terms

We reserve the right to revise these Terms at any time. Updates will be posted on this page with a new “Last Updated” date. Your continued use of the Website signifies your acceptance of the revised Terms.

10. Termination

We may suspend or terminate your access to the Website at our sole discretion, without notice, for any conduct that we believe violates these Terms or is harmful to other users or third parties.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your Country], without regard to its conflict of law principles. Disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in [Your Jurisdiction].

12. Contact Us

If you have any questions or concerns about these Terms, please contact:

Email: [email protected]
Website: https://top3spo.com

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