Welcome to Smart Insurance Guide Pro. These Terms and Conditions ("Terms") govern your use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms.
Important Notice
Please read these Terms carefully before using our services. Your continued use constitutes acceptance of these Terms.
1. Acceptance of Terms
By accessing, browsing, or using the Smart Insurance Guide Pro website, mobile application, or any related services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
Agreement Conditions:
- You must be at least 18 years old to enter into this agreement
- You have the legal capacity to enter into binding contracts
- Your use of our services is not prohibited by applicable law
- You agree to comply with all local, state, and federal regulations
2. Definitions
For the purposes of these Terms, the following definitions apply:
"Company" or "We"
Refers to Smart Insurance Guide Pro, LLC and its subsidiaries
"Services"
Insurance products, quotes, claims processing, and related services
"User" or "You"
Any individual or entity using our website or services
"Policy"
Insurance contract between you and the underwriting carrier
"Platform"
Our website, mobile app, and digital interfaces
"Content"
Information, data, text, software, graphics, and materials on our platform
3. Eligibility and Use of Services
Eligibility Requirements
Age Requirement
Must be 18 years or older
Residency
Legal resident of the United States
Legal Capacity
Ability to enter binding contracts
Good Faith
Seeking legitimate insurance coverage
Prohibited Uses
4. Insurance Services
Quote Generation
Quotes are estimates based on information provided and may change during underwriting review. Final rates are subject to carrier approval and verification of information.
Policy Applications
All applications are subject to underwriting approval by the insurance carrier. We facilitate the application process but do not guarantee policy issuance.
Coverage Activation
Insurance coverage becomes effective only after payment processing, carrier approval, and policy issuance. No coverage exists until officially confirmed.
Agent Services
Our licensed agents provide guidance and support but recommendations do not constitute guarantees of coverage or claims approval.
5. Payment Terms
Premium Payments
- Premiums are due according to the schedule specified in your policy
- Payment methods include credit/debit cards and ACH bank transfers
- Late payments may result in policy cancellation or lapse of coverage
- All fees and charges are clearly disclosed before payment
Refunds and Cancellations
- Refunds are processed according to policy terms and carrier guidelines
- Cancellation requests must be submitted through official channels
- Processing fees may apply to certain transactions
- Refund timelines vary by payment method and carrier
6. Claims Process
Prompt Reporting
Claims must be reported promptly according to policy terms and carrier requirements
Documentation
Provide accurate and complete information, including all required documentation
Investigation
Claims are subject to investigation and must comply with policy terms and conditions
Settlement
Final settlement amounts are determined by the insurance carrier based on policy coverage
7. Privacy and Data Protection
Your privacy is important to us. Our data practices are governed by our comprehensive Privacy Policy:
Data Security
We implement industry-standard security measures to protect your information
Information Use
Personal data is used only for insurance services and with your consent
Third-Party Sharing
Information sharing is limited to insurance carriers and service providers
For complete details, please review our Privacy Policy.
8. Intellectual Property
All content, features, and functionality on our platform are protected by intellectual property laws:
Copyrights
Text, graphics, logos, images, and software are protected by copyright
Trademarks
Smart Insurance Guide Pro marks and logos are registered trademarks
Software
Platform software and algorithms are proprietary and protected
Restrictions
Unauthorized reproduction or distribution is strictly prohibited
9. Disclaimers
Important Disclaimers
- Services are provided "as is" without warranties of any kind
- We do not guarantee the availability or accuracy of information
- Insurance coverage is subject to policy terms and carrier approval
- We are not responsible for third-party website content or services
- Market conditions may affect pricing and availability
- Technology interruptions may temporarily affect service access
10. Limitation of Liability
To the fullest extent permitted by law:
Limitation Scope
Smart Insurance Guide Pro shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Maximum Liability
Our total liability to you for all claims shall not exceed the amount of premiums paid by you in the 12 months preceding the claim.
Exceptions
These limitations do not apply to liability that cannot be excluded under applicable law, including gross negligence or willful misconduct.
11. Termination
Your Right to Terminate
You may discontinue using our services at any time by closing your account
Our Right to Terminate
We may suspend or terminate access for violations of these Terms
Effect on Policies
Account termination does not affect existing insurance policies
Data Retention
We may retain certain information as required by law or regulation
12. Governing Law and Disputes
Governing Law
These Terms are governed by the laws of the State of USA, without regard to conflict of law principles
Dispute Resolution
Disputes will be resolved through binding arbitration in accordance with American Arbitration Association rules
Class Action Waiver
You agree to resolve disputes individually and waive the right to participate in class actions
Jurisdiction
Any court proceedings will be conducted in the state and federal courts of New York
Questions About These Terms?
If you have any questions about these Terms and Conditions, please contact us: