Contact US
Have questions or feedback? We'd love to hear from you! Feel free to reach out using the contact form below or connect with us via email or phone. Our dedicated team is here to assist you and provide the information you need. Your input is valuable to us as we strive to enhance your experience. We aim to respond promptly and look forward to assisting you
Terms and Conditions for TD Financial Group LLC
Introduction
Welcome to TD Financial Group LLC. These Terms and Conditions govern your use of our services and website. By accessing or using our services, you agree to comply with and be bound by these terms.
Services Offered
TD Financial Group LLC provides various insurance products and healthcare enrollment assistance. Specific details of each service, including eligibility, coverage, and limitations, are detailed in individual service agreements.
Eligibility
Our services are available to individuals who meet our eligibility criteria as outlined in our service-specific agreements. You must provide accurate and complete information when applying for our services.
User Obligations
As a user of our services, you agree to:
Provide accurate and current information. Use our services only for lawful purposes. Respect the confidentiality and privacy of others. Adhere to all terms and conditions of the specific insurance policies or healthcare plans you enroll in.
Intellectual Property Rights
The content on our website, including text, graphics, logos, and images, is the property of TD Financial Group LLC and is protected by intellectual property laws. You may not use any content without our express written consent.
Disclaimer of Warranties
Our services are provided “as is” without any warranty. TD Financial Group LLC disclaims all warranties, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of Liability
TD Financial Group LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from:
Your access to or use of or inability to access or use the services; Any conduct or content of any third party on the services; Unauthorized access, use, or alteration of your transmissions or content.
Indemnification
You agree to defend, indemnify, and hold harmless TD Financial Group LLC and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses, resulting from or arising out of your use of the services.
Modifications to Terms
TD Financial Group LLC reserves the right to modify these terms at any time. We will provide notice of any changes by posting the new Terms and Conditions on this page.
Governing Law
These terms shall be governed and construed in accordance with the laws of Delaware, without regard to its conflict of law provisions.
Contact Us
If you have any questions about these Terms and Conditions, please contact us at info@mail.tdfgroupllc.com.
FAQS
What is the difference between term life insurance and whole life insurance?
Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.
How can I lower my car insurance premiums?
There are several ways to lower your car insurance premiums:
Choose a higher deductible: Increasing your deductible can reduce your premium, but be sure you can afford the higher out-of-pocket expense if you need to make a claim.
Maintain a safe driving record: Safe driving can earn you discounts and prevent premium increases due to accidents or traffic violations.
Bundle policies: Many insurance companies offer discounts when you bundle your auto insurance with other policies like home or renters insurance.
Install safety features: Equipping your vehicle with safety features like anti-theft systems or anti-lock brakes can result in lower premiums.
Shop around: Compare quotes from multiple insurance providers to find the best rates for your needs.
How does health insurance work in a group plan?
Group health insurance is typically provided by employers to their employees. In a group plan, the employer negotiates with an insurance provider to offer coverage to all eligible employees. Employees usually share the cost of premiums with their employer. Group health plans often provide comprehensive coverage and lower premiums than individual plans. When you need medical care, you'll typically pay a portion of the costs (such as copayments or deductibles), and the insurance plan covers the rest. Group health insurance is a valuable employee benefit and helps individuals access essential healthcare services at a reduced cost.
