Terms and Conditions

Acceptance of These Terms

These Terms and Conditions ("Terms") govern your access to and use of websites, landing pages, forms, and online services operated by Insurance Masters, LLC ("Insurance Masters," "we," "us," or "our"). By accessing or using our website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

Website Use

The website is provided for informational and communication purposes. You may use the website only for lawful purposes and in accordance with these Terms.

Prohibited Activities

You agree not to:

• Use the website for unlawful, fraudulent, or abusive purposes.
• Attempt to gain unauthorized access to the website or its systems.
• Interfere with the operation, security, or availability of the website.
• Submit false, misleading, or fraudulent information.
• Copy, reproduce, distribute, or exploit website content without authorization.

Information Submitted by Users

You are responsible for ensuring that information submitted through our forms is accurate and complete. By submitting information, you authorize Insurance Masters to use that information to respond to your request and provide requested insurance-related services or communications.

Consultation and Insurance Requests

Submitting an online form, sending an email, or contacting Insurance Masters does not automatically create an insurance policy, coverage agreement, or binding insurance contract.

Insurance coverage cannot be bound, changed, added, or deleted solely through an online form, email, voicemail, or other website submission. Coverage is subject to the applicable policy terms, conditions, exclusions, eligibility requirements, carrier requirements, and confirmation by an appropriate licensed insurance professional.

Not all insurance products, plans, carriers, or coverage options are available in every state.

No Guarantee of Coverage or Results

Information provided through this website is general information and is not a guarantee that you will qualify for any particular insurance plan, premium, subsidy, benefit, or coverage.

Insurance Masters does not guarantee approval for coverage, eligibility for government programs or subsidies, a particular premium, or any particular insurance outcome.

Intellectual Property

Unless otherwise stated, website content, including text, graphics, logos, images, designs, and other materials, is owned by or licensed to Insurance Masters and may be protected by applicable intellectual-property laws.

You may not reproduce, distribute, modify, publish, transmit, sell, or otherwise exploit website content without prior written permission.

Third-Party Links

Our website may contain links to third-party websites, insurance carriers, service providers, or other resources. Insurance Masters does not control third-party websites and does not guarantee their availability, accuracy, security, or privacy practices.

Website Availability and Changes

We may modify, suspend, discontinue, or change any part of the website, content, features, or services at any time without notice. We do not guarantee that the website will always be available, uninterrupted, secure, or error-free.

Disclaimer of Warranties

To the maximum extent permitted by law, the website and its content are provided on an "as is" and "as available" basis. Insurance Masters makes no warranties, express or implied, regarding the accuracy, completeness, reliability, availability, or suitability of information provided through the website.

Limitation of Liability

To the maximum extent permitted by applicable law, Insurance Masters and its affiliates, officers, employees, agents, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the website or reliance on information provided through the website.

Indemnification

You agree to indemnify and hold harmless Insurance Masters and its affiliates, officers, employees, agents, and service providers from claims, liabilities, damages, losses, and expenses arising from your unlawful use of the website, violation of these Terms, or violation of the rights of another person or entity.

SMS and Text Messaging Terms

Insurance Masters sends SMS/text messages only after a user provides affirmative consent through an applicable opt-in process.

Messages may include responses to insurance inquiries, consultation scheduling, appointment reminders, follow-up communications, and other insurance service-related updates.

Message frequency varies. Message and data rates may apply.

You may unsubscribe from SMS messages at any time by replying STOP. For assistance, reply HELP.

Consent to receive SMS messages is not a condition of purchasing goods or services.

Mobile carriers are not liable for delayed or undelivered messages.

Insurance Masters may modify, suspend, or discontinue the messaging program at any time.

Participation in SMS messaging is also governed by our Privacy Policy.

Privacy Policy

Your use of the website is also subject to our Privacy Policy, which describes how Insurance Masters collects and uses personal information.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.

Changes to These Terms

Insurance Masters may update these Terms from time to time. Any updated Terms will be posted on this website and will become effective when posted unless otherwise stated.

Governing Law

These Terms are intended to be governed by the laws of the State of South Carolina and applicable federal laws of the United States, without regard to conflict-of-law principles.

This governing-law provision is subject to legal review and should be reviewed by qualified counsel before publication.

Contact Us

Questions regarding these Terms may be directed to Insurance Masters, LLC: