Terms of Service

Welcome to Smart Insurance Prices. These Terms of Service ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Service") operated by Smart Insurance Prices, located at 7051 SW 6TH ST, Pembroke Pines, FL 33023.

1. Acceptance of Terms

By accessing and using Smart Insurance Prices, you accept and agree to be bound by the terms and provision of this agreement. Additionally, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.

2. Description of Service

Smart Insurance Prices is an online platform that provides:

• Insurance comparison and quote services
• Connection to licensed insurance agents and carriers
• Educational content about insurance products
• Tools to help consumers make informed insurance decisions

3. User Eligibility and Registration

Age Requirement

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you are at least 18 years old.

Account Information

When creating an account or requesting quotes, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Not impersonate any person or entity
• Not create multiple accounts for fraudulent purposes

4. Acceptable Use Policy

Permitted Uses

You may use our Service to:

• Obtain insurance quotes and information
• Compare insurance products and providers
• Access educational content about insurance
• Connect with licensed insurance professionals

Prohibited Uses

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable laws
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or harvest data from our website
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or other harmful code
• Harass, abuse, or harm other users or our staff
• Violate any applicable insurance regulations
• Use the Service to compete with our business

5. Insurance Services and Disclaimers

No Insurance Advice

We provide information and comparison tools but do not provide insurance advice, recommendations, or counseling. You should consult with licensed insurance professionals for advice specific to your situation.

Quote Accuracy

While we strive to provide accurate quotes, all quotes are estimates based on the information provided. Final rates and coverage terms are determined by the insurance carrier and may differ from initial quotes.

Third-Party Relationships

We work with various insurance carriers and agents. We are not responsible for:

• The accuracy of information provided by third parties
• The quality of service provided by insurance carriers or agents
• Policy terms, conditions, or coverage disputes
• Claims handling or payment issues

6. Privacy and Data Use

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Information Sharing

By using our Service, you consent to us sharing your information with:

• Licensed insurance carriers and agents for quote purposes
• Service providers who assist in operating our platform
• Legal authorities when required by law

7. Intellectual Property

Our Content

The Service and its original content, features, and functionality are owned by Smart Insurance Prices and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

User Content

You retain ownership of any content you submit through our Service. However, by submitting content, you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with operating our Service.

Trademark Notice

Smart Insurance Prices and related logos are trademarks of Smart Insurance Prices. You may not use these trademarks without our prior written consent.

8. Communications

Consent to Contact

By using our Service, you consent to receive communications from us and our insurance partners via:

• Email
• Telephone (including calls to mobile phones)
• Text messages
• Mail

Opt-Out

You may opt out of marketing communications by following unsubscribe instructions in emails or contacting us directly. However, you may continue to receive service-related communications.

9. Payment and Fees

Our Service is generally free for consumers. We may earn compensation from insurance partners when you purchase a policy through our platform. Any fees for premium services will be clearly disclosed before purchase.

10. Disclaimers and Limitations

Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. The Service is provided "as is" and "as available" without warranties of any kind.

Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

Our total liability to you for all claims arising from or relating to the Service shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Smart Insurance Prices and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you provide through the Service

12. Termination

Termination by You

You may stop using our Service at any time. You can request deletion of your account by contacting us.

Termination by Us

We may terminate or suspend your access to the Service immediately, without prior notice, for any reason, including if you breach these Terms.

Effect of Termination

Upon termination, your right to use the Service will cease immediately. Provisions that should survive termination will remain in effect.

13. Governing Law and Disputes

Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions.

Jurisdiction

Any disputes arising from these Terms or the Service shall be resolved in the courts of Broward County, Florida.

Dispute Resolution

Before filing any legal action, you agree to attempt to resolve disputes through good faith negotiation. We encourage contacting us first to resolve any concerns.

14. Regulatory Compliance

Insurance Regulations

Our Service complies with applicable insurance laws and regulations. We work only with licensed insurance carriers and agents.

Consumer Protection

We support consumer protection laws and encourage you to verify the licensing status of any insurance professional you work with through your state insurance department.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on this page. We will notify users of material changes by:

• Updating the "Last Modified" date
• Sending email notifications to registered users
• Posting notices on our website

Your continued use of the Service after changes constitutes acceptance of the new Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.

17. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Smart Insurance Prices regarding the Service and supersede all prior agreements.

18. Assignment

You may not assign or transfer these Terms or your rights under them without our written consent. We may assign our rights and obligations under these Terms without restriction.

Acknowledgment: By using Smart Insurance Prices, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.