Terms of Use
Last Updated: February 1, 2025
Welcome to our website. These Terms of Use (“Terms”) govern your access to and use of the services provided by Turner Bridge Financial LLC, doing business as Truckers Family First (“Company,” “we,” “us,” or “our”) through our website (the “Site”). By accessing, browsing, or using our Site and services (collectively, the “Services”), you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Services.
1. Use of Our Services and Eligibility
Our Services are intended to connect individuals seeking insurance products with independent insurance agents. You must be at least 18 years old (and legally capable of entering into a contract) to use our Services. By using the Site, you represent that you meet this eligibility criteria.
You agree to use the Services only for lawful purposes and in compliance with these Terms and all applicable laws. You do not need to create a user account or pay any fee to use our Services. We are compensated by third-party insurance professionals for leads we generate, which may be considered a fee or commission.
We are not an insurance carrier or brokerage and do not underwrite insurance policies. We facilitate the collection of your information and transmit it to licensed agents or providers. We reserve the right to refuse or terminate access to the Services at our discretion.
2. Personal Information and Lead Form Submission
When you submit our lead form, you may be asked to provide:
Full name
Date of birth
Phone number and email
Occupation or industry (e.g., truck driver)
Intended beneficiary's name
Insurance budget range
We do not collect health information through the form. By submitting your phone or email, you consent to being contacted by us or our insurance partners by phone, text, or email, including automated or prerecorded messages. Message and data rates may apply. Consent is not required as a condition of purchase. You can opt out of communications at any time (see Section 4).
By submitting your information, you authorize us to share your data with licensed agents who may contact you directly. If you do not want us to share your information, do not use the Services.
3. Independent Insurance Agents and No Endorsement
Agents who receive your information are independent third parties. They are not employees or affiliates of Truckers Family First. We do not control their actions or guarantee the quality, licensing, or suitability of their products or advice.
All terms of any insurance policy discussed are between you and the agent or insurer. We recommend you verify licensing and review all terms carefully before purchase.
While we require agents to follow applicable telemarketing laws and respect opt-out requests, we are not responsible for misuse of your information once it is shared. If you experience inappropriate conduct, notify us so we can evaluate future referrals.
4. Opt-Out of Communications
You may opt out of:
Text messages by replying “STOP”
Marketing emails by clicking “Unsubscribe”
Phone calls by requesting to be added to our Do Not Call list
To request removal, contact us at [email protected]. We will honor your request within a reasonable time (typically within 30 days). Opting out does not affect transactional messages, such as confirmations.
If your information was already shared with an agent before you opted out, you will need to notify that agent directly.
5. Privacy Policy
Use of our Services is governed by our Privacy Policy, which outlines how we collect, use, and share your data. By using the Services or submitting your information, you agree to our data practices. Please review the Privacy Policy periodically, as continued use constitutes acceptance of any updates.
6. Prohibited Uses and User Conduct
You agree not to:
Submit false or unauthorized information
Use the Site for illegal or harmful purposes
Introduce viruses or attempt unauthorized access
Scrape or harvest user data
Sell, copy, or reproduce our Services without permission
We may monitor activity and suspend or terminate your access if you violate these Terms.
7. Intellectual Property Rights
All content on the Site, including text, graphics, logos, and layout, is owned by or licensed to Truckers Family First and protected by intellectual property laws. You are granted no rights to reproduce or distribute our content without prior written consent.
If you believe your IP rights have been infringed, contact us at [email protected].
8. Third-Party Websites and Links
Our Site may link to third-party websites (such as insurance companies or agents). These links are for your convenience only. We do not control or endorse third-party content, and their privacy policies will govern any data you share with them. Use such websites at your own risk.
9. Disclaimers of Warranties
We provide our Site and Services "as is" without warranties of any kind, express or implied. We do not guarantee that you will receive quotes, qualify for insurance, or achieve specific results. We are not responsible for errors, interruptions, or third-party actions.
10. Limitation of Liability
To the fullest extent permitted by law, Truckers Family First and its affiliates shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits or data, arising from your use of the Services.
In any case, our total liability shall not exceed the amount (if any) you paid to us — which is typically $0 for consumers using our free lead form.
11. Indemnification
You agree to indemnify and hold harmless Truckers Family First and its affiliates from any claims or damages arising out of:
Your use of the Services
Your violation of these Terms
Disputes with agents or insurers
Unauthorized use of third-party data
12. Dispute Resolution and Arbitration
You agree to resolve any disputes related to these Terms or the Services through individual binding arbitration, rather than in court.
Governing Law
These Terms are governed by the laws of the State of Pennsylvania, except where federal law applies (e.g., Federal Arbitration Act).
Arbitration Process
Arbitration will be conducted by a reputable provider (e.g., AAA or NAM) under their consumer rules. Both parties are responsible for their own legal costs.
No Class Actions
Disputes must be arbitrated individually — no class actions or collective claims.
Exceptions
You may bring small claims or seek injunctive relief in a court for issues involving intellectual property or legal compliance.
Opt-Out
You may opt out of arbitration by sending a written request to [email protected] within 30 days of accepting these Terms.
13. Modifications to Terms
We may update these Terms at any time. The updated Terms will be posted on this page with a new “Last Updated” date. Continued use of the Site constitutes acceptance of the updated Terms. If you do not agree with any changes, you should stop using the Services.
14. Miscellaneous
Entire Agreement: These Terms, along with our Privacy Policy, constitute the full agreement.
No Waiver: Failure to enforce any provision does not waive our right to enforce it later.
Severability: If any provision is found unenforceable, the rest remain in effect.
Assignment: You may not transfer these Terms without our written consent.
Relationship: These Terms do not create any partnership or employment relationship.
Headings: Section titles are for convenience only.
15. Contact Us
If you have questions or need to provide notice, contact us at:
Truckers Family First
Turner Bridge Financial LLC
1211 Old Okeechobee Rd, West Palm Beach, FL 33401
Email: [email protected]
Phone: (267) 214-8677