Welcome to the TLIC website. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. If you do not agree with these terms, please do not use our website.

“Website”: Refers to the TLIC online platform, including but not limited to www.mytlic.com and all related subdomains.
“User”: Refers to any individual or entity that accesses or uses the Website.
“You”: Refers to the User.
“We”, “Us”, “Our”: Refers to TLIC, its subsidiaries, affiliates, and agents.
“Content”: Includes all text, graphics, images, logos, button icons, audio clips, video clips, digital downloads, data compilations, software, and other materials available on the Website.
“Data”: Refers to any information or content submitted by Users, including but not limited to personal information, photographs, videos, venue details, and any other material provided through the Website.

By using our Website, you agree to comply with and be bound by these Terms and Conditions. This agreement sets forth the legally binding terms for your use of the Website. You are responsible for regularly reviewing these Terms and Conditions and our Privacy Policy.

This Website is intended for Users who are at least 18 years of age. By using this Website, you represent and warrant that you are at least 18 years old, or using the Website under the supervision of a parent or guardian who agrees to be bound by these Terms and Conditions.

Permitted Use: You agree to use the Website for lawful purposes only. You are solely responsible for ensuring that your use of the Website complies with all applicable laws and regulations.
Prohibited Use: You agree not to:
Engage in any activity that could damage, disable, overburden, or impair the Website or interfere with any other party’s use of the Website.
Use any automated means, including robots, spiders, or similar technologies, to access the Website or collect data.
Attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website.
Upload, post, or transmit any content that:
Is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasive of another’s privacy, or hateful;
Violates any patent, trademark, trade secret, copyright, or other proprietary rights;
Contains software viruses, Trojan horses, worms, or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware.

Data Submission: Users may submit data through our Website, including but not limited to personal information, images, videos, venue details, and other content. By submitting data, you represent and warrant that:
You own or have the necessary licenses, rights, consents, and permissions to submit the data.
The data is accurate, and current, and does not violate any laws or third-party rights.
License Grant: By submitting data, you grant TLIC a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such data throughout the world in any media.
User Responsibility: You are solely responsible for any data you submit and for the consequences of its submission. TLIC does not endorse any data submitted by Users and expressly disclaims any and all liability in connection with such data.

Disclaimer: TLIC disclaims any responsibility or liability for the accuracy, content, completeness, legality, reliability, operability, or availability of data submitted by Users. TLIC is not responsible for any data that is deleted, not stored, or not transmitted correctly.
Limitation of Liability: Under no circumstances shall TLIC be liable for any loss or damage, including but not limited to personal injury or death, resulting from the use of the Website, any data submitted, or any interaction between Users of the Website, whether online or offline.
Indemnification: You agree to indemnify and hold TLIC, its affiliates, officers, agents, and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of data you submit, your use of the Website, your violation of these Terms and Conditions, or your violation of any rights of another.

Ownership: All content included on the Website, such as text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of TLIC or its content suppliers and is protected by international copyright laws.
Trademarks: TLIC, the TLIC logo, and all related names, logos, product and service names, designs, and slogans are trademarks of TLIC or its affiliates or licensors. You may not use such marks without the prior written permission of TLIC.

Your use of the Website is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices concerning the collection and use of your personal information.

The Website may contain links to third-party websites or services that are not owned or controlled by TLIC. TLIC has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that TLIC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

By accessing and using this Website, you explicitly consent to the collection, monitoring, and analysis of your data and interactions on the site. This includes tracking your behavior, such as clicks, page visits, time spent on each page, and interactions with any content or features. Your continued use of the Website signifies your agreement with these practices.

We collect various types of data from Users, including:
Personal Information: Such as names, email addresses, phone numbers, and other contact details.
Behavioral Data: Including but not limited to IP addresses, browser types, device information, page interactions, and time spent on the Website.
Automated Data Collection: Utilization of cookies, web beacons, and other tracking technologies to automatically collect data as you navigate the Website.

The data we collect is used for the following purposes:
Service Improvement: To enhance the functionality and usability of our Website.
Personalization: To provide customized content, recommendations, and targeted marketing tailored to your preferences.
Analytics and Research: For understanding user behavior and preferences, enabling us to make informed decisions about our services.

Third-Party Services: We may share your data with third-party service providers for purposes such as analytics, marketing, and other operational functions.
Data Anonymization: When sharing data with third parties, we may anonymize the information to protect your identity, where applicable.
Legal Obligations: We may also share your data in response to legal requests, such as subpoenas, or to comply with applicable laws and regulations.

You have the following rights regarding your data:
Access and Correction: You may request access to the data we hold about you and request corrections to any inaccuracies.
Opt-Out Options: You can opt out of data collection and tracking by adjusting your browser settings or using available opt-out tools on our Website.
Data Deletion: You may request the deletion of your personal data from our systems by contacting us directly.

We implement various security measures to protect the data we collect, including encryption, secure servers, and access controls. However, please note that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Our Website is not intended for children under the age of [insert age, e.g., 13 or 18]. We do not knowingly collect personal information from children under this age. If we become aware that we have inadvertently collected such information, we will take steps to delete it as soon as possible. Parental consent is required for users under this age to use the Website.

We may update our data collection, monitoring, and privacy practices periodically. Significant changes will be communicated to Users via email or through prominent notices on the Website. Continued use of the Website following any changes signifies your acceptance of those changes.

We retain personal data and behavioral information for as long as necessary to fulfill the purposes outlined in this document. Data will be archived or deleted according to our internal data retention policies and applicable laws.

We may transfer data across international borders, including to countries outside your jurisdiction. These transfers are conducted in compliance with applicable data protection laws, using appropriate legal safeguards such as Standard Contractual Clauses (SCCs) or equivalent mechanisms.

Accurate Information: Users must provide accurate and complete information when submitting data on the Website.
Prohibited Conduct: Users are prohibited from engaging in activities that could harm the Website, interfere with its functionality, or violate the privacy of others. This includes unauthorized access attempts, spreading viruses or malicious software, and engaging in illegal activities.

No Warranty: The Website is provided on an "as is" and "as available" basis. TLIC makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.
Exclusion of Liability: To the fullest extent permitted by applicable law, TLIC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. TLIC does not warrant that the Website, its servers, or emails sent from TLIC are free of viruses or other harmful components. TLIC will not be liable for any damages of any kind arising from the use of the Website, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages.
Liability Cap: In no event shall TLIC’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Website.
Limitation of Liability for Data Breaches: While we implement measures to secure user data, we are not liable for unauthorized access, alteration, theft, or destruction of data caused by a breach of our security measures. Users assume full responsibility for any risks associated with their data submission and use of the Website.

TLIC reserves the right to terminate or suspend your access to the Website, without notice, for conduct that TLIC believes violates these Terms and Conditions or is harmful to other Users of the Website, TLIC, or third parties, or for any other reason in TLIC’s sole discretion.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the state and federal courts located in Maryland.

Any disputes arising out of or related to these Terms and Conditions shall be resolved through binding arbitration, rather than litigation, in accordance with the rules of [insert arbitration body, e.g., the American Arbitration Association]. The arbitration shall be conducted in the State of Maryland, and the arbitrator’s decision shall be final and binding. Users waive any right to a jury trial or to participate in a class action lawsuit.

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and TLIC concerning the use of the Website and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and TLIC with respect to the Website.

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be deemed severable from the remainder of these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term, and TLIC’s failure to assert any right or provision under these Terms and Conditions shall not constitute a waiver of such right or provision.

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the Website following the posting of any changes to these Terms and Conditions constitutes acceptance of those changes.

For any questions regarding these Terms and Conditions, please contact us at [insert contact details].