Agreement between User and www.ltdtinc.com

Welcome to www.ltdtinc.com. The www.ltdtinc.com website (the "Site") is comprised of various web pagesoperated by LTDT Insurance ("LTDT Insurance"). www.ltdtinc.com is offered to you conditioned on youracceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Youruse of www.ltdtinc.com constitutes your agreement to all such Terms. Please read these terms carefully,and keep a copy of them for your reference.

www.ltdtinc.com is an E-Commerce Site.

Visiting www.ltdtinc.com or sending emails to LTDT Insurance constitutes electronic communications. Youconsent to receive electronic communications and you agree that all agreements, notices, disclosures andother communications that we provide to you electronically, via email and on the Site, satisfy any legalrequirement that such communications be in writing.

LTDT Insurance collects personally identifiable information from children under the age of thirteen. LTDT Insurance collects this information for the following reason(s):

• For insurance purposes only

We provide information about our personal data practices for children on our home page and whereverwe knowingly collect personal data from children on our Web site. If you are under the age of thirteen, youmust ask your parent or guardian for permission to use this website. If you are a parent and you havequestions regarding our data collection practices, please contact us using the information provided at theend of this Agreement. If you are under 18, you may use www.ltdtinc.com only with permission of a parent or guardian.

www.ltdtinc.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of LTDT Insurance and LTDT Insurance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site.LTDT Insurance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by LTDT Insurance of the site or any association with its operators.

Certain services made available via www.ltdtinc.com are delivered by third party sites and organizations. Byusing any product, service or functionality originating from the www.ltdtinc.com domain, you herebyacknowledge and consent that LTDT Insurance may share such information and data with any third partywith whom LTDT Insurance has a contractual relationship to provide

the requested product, service or functionality on behalf of www.ltdtinc.com users and customers.

You are granted a non-exclusive, non-transferable, revocable license to access and use www.ltdtinc.comstrictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to LTDT Insurance that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. Youmay not use the Site in any manner which could damage, disable, overburden, or impair the Site or interferewith any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of LTDT Insurance or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivativeworks, or in any way exploit any of the content, in whole or in part, found on the Site. LTDT Insurance content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of LTDT Insurance and the copyright owner. You agreethat you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of LTDT Insurance or our licensors except as expressly authorized by these Terms. 

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal webpages, calendars, and/or other message or communication facilities designed to enable you tocommunicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. 

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.

LTDT Insurance has no obligation to monitor the Communication Services. However, LTDT Insurance reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. 

LTDT Insurance reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

LTDT Insurance reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in LTDT Insurance's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in anyCommunication Service. LTDT Insurance does not control or endorse the content, messages or information found in any Communication Service and, therefore, LTDT Insurance specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized LTDT Insurance spokespersons, and their views do not necessarily reflect those of LTDT Insurance.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproductionand/or dissemination. You are responsible for adhering to such limitations if you upload the materials.

Materials Provided to www.ltdtinc.com or Posted on Any LTDT Insurance Web Page LTDTInsurance does not claim ownership of the materials you provide to www.ltdtinc.com (including feedbackand suggestions) or post, upload, input or submit to any LTDT Insurance Site or our associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting yourSubmission you are granting LTDT Insurance, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. LTDT Insurance is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in LTDT Insurance’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

The Service is controlled, operated and administered by LTDT Insurance from our offices within the USA.If you access the Service from a location outside the USA, you are responsible for compliance with alllocal laws. You agree that you will not use the LTDT Insurance Content accessed through www.ltdtinc.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

You agree to indemnify, defend and hold harmless LTDT Insurance, its officers, directors, employees, agentsand third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees)relating to or arising out of your use of or inability to use the Site or services, any user postings made byyou, your violation of any terms of this Agreement or your violation of any rights of a third party, or yourviolation of any applicable laws, rules or regulations. LTDT Insurance reserves the right, at its own cost, toassume the exclusive defense and control of any matter otherwise subject to indemnification by you, in whichevent you will fully cooperate with LTDT Insurance in asserting any available defenses.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LTDT INSURANCE AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. 

LTDT INSURANCE AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED"AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. LTDT INSURANCE AND/OR ITSSUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND

NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LTDT INSURANCE AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES

FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LTDT INSURANCE OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

LTDT Insurance reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida and you hereby consent to the exclusive jurisdiction and venue of courts in Florida in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and LTDT Insurance as a result of this agreement or use of the Site. LTDT Insurnce's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of LTDT Insurnce's right to comply with governmental, court and law enforcement requests orrequirements relating to your use of the Site or information provided to or gathered by LTDT Insurancewith respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and LTDT Insurance with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and LTDT Insurance with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible injudicial or administrative proceedings based upon or relating to this agreement to the same extent andsubject to the same conditions as other business documents and records originally generated andmaintained in printed form. It is the express wish to the parties that this agreement and all related documentsbe written in English.

LTDT Insurance reserves the right, in its sole discretion, to change the Terms under which www.ltdtinc.com is offered. The most current version of the Terms will supersede all previous versions. LTDT Insurance encourages you to periodically review the Terms to stay informed of our updates.

LTDT Insurance welcomes your questions or comments regarding the Terms:

LTDT Insurance 17474 Barbara Dr

Ft Myers, Florida 33967

Email Address: luist@ltdtinc.com  

Telephone number:

941-258-4777

Effective as of March 01, 2025