Welcome to Prime Insurance Consultants. These Terms and Conditions regulate your website, mobile app, and service usage. Accessing or utilizing Prime Insurance Consultants offerings implies agreement to these terms. Non-agreement requires cessation of use. We retain modification rights, with continued use signifying acceptance.
Prime Insurance Consultants furnishes independent insurance advisory services to aid individuals and enterprises in selecting suitable coverage. We are authorized insurance representatives empowered to evaluate policies from diverse carriers. Our offerings encompass quote provision, policy assessment, application support, and continuous assistance. We do not assure approval of any application, as underwriting rests with carriers.
Utilizing Prime Insurance Consultants offerings requires being 18+ and contract-capable. Accurate, comprehensive, truthful data must be supplied during quote requests or applications. Account credential confidentiality is mandatory, with responsibility for all associated activities. Misrepresentation or deceit may lead to account suspension and legal measures.
Accurate and comprehensive data provision is essential for quote requests. Coverage premiums and options depend on supplied data. Inaccuracies or omissions may invalidate claims or policies. Policy documents require careful review prior to acceptance. Prime Insurance Consultants bears no liability for incomplete or erroneous data consequences.
Prime Insurance Consultants offerings are delivered by authorized insurance representatives bridging clients and carriers. Our agents adhere to insurance regulations and licensing standards. We carry errors and omissions coverage. Consultations with agents are privileged and confidential.
Quotes from Prime Insurance Consultants are approximations valid 30 days post-issue unless specified. Quotes do not confer coverage or contracts. Coverage initiates upon:
Definitive premiums may vary post-underwriting or with new data.
Prime Insurance Consultants delivers offerings "as available" sans warranties. To maximum legal extent, we are not accountable for:
Our aggregate liability is capped at fees paid in the preceding 12 months.
Policies typically feature a free-look window (10-30 days) for review and refund if dissatisfied. Refunds in this period are carrier-handled, not Prime Insurance Consultants. Post-window, termination and refunds adhere to policy terms. Prime Insurance Consultants levies no quote fees. Insurance purchases may incur fees or commissions as disclosed.
These Terms adhere to California laws, disregarding conflict principles. Disputes shall be adjudicated in California courts. We advocate informal resolution prior to litigation.
Website content, including text, visuals, trademarks, images, and code, belongs to Prime Insurance Consultants or suppliers, safeguarded by copyright and IP laws. Reproduction, alteration, dissemination, or transmission requires written consent. Unauthorized IP use may incur legal action.
Our site may link to external sites and services. Prime Insurance Consultants assumes no responsibility for external content, precision, or methods. Service use is governed by their terms. We endorse no external products or services; interactions are at your discretion.
Agreement to refrain from illegal, deceitful, or harmful service use. Forbidden actions encompass:
Breach may trigger immediate suspension and legal repercussions.
Prime Insurance Consultants functions in alignment with federal and state insurance statutes, including commissioner regulations. We uphold licensing and are subject to oversight. Recommendations adhere to insurance statutes and ethical norms. Coverage may differ by locale; products are state-regulated.
Service use consents to Prime Insurance Consultants communications via email, phone, SMS, or mail. We utilize contact data for policy updates, claims, renewals, and announcements. Opt-out for select communications is available, barring essential notifications and legal mandates.
Prime Insurance Consultants endeavors to ensure site availability. We are not accountable for maintenance, updates, failures, or uncontrollable interruptions. During outages, services may be inaccessible. We aim to notify of planned maintenance.
Prime Insurance Consultants may amend these Terms anytime. Amendments take effect upon site posting. Continued use post-amendment signifies acceptance. Review terms periodically for updates.
For questions or concerns regarding these Terms and Conditions:
Prime Insurance Consultants
Email: info@smartinsurance.com