1. Acceptance of These Terms These Terms and Conditions govern your access to and use of the website, quote request forms, content, communications, and related services provided by Borbolla Insurance Agencies (“Borbolla Insurance Agencies,” “we,” “us,” or “our”).
By accessing our website, requesting a quote, submitting information, communicating with us, or using our services, you agree to these Terms and Conditions. If you do not agree, please do not use the website or submit information through the website.
2. Our Services Borbolla Insurance Agencies is a licensed insurance agency that assists consumers with insurance quotes, proposals, applications, and policy-related services. We may provide professional insurance guidance, estimated quotes, binding quotes where available and authorized, customer support, quote follow-up, and assistance with insurance applications and policy placement.
Our services are currently intended for consumers seeking insurance services in Florida, Georgia, North Carolina, South Carolina, Alabama, Texas, Maine, and Montana.
Insurance products, rates, eligibility, and coverage availability vary by state, carrier, underwriting requirements, and individual circumstances.
3. No Guarantee of Coverage, Pricing, or Approval Any quote, proposal, estimate, premium indication, coverage summary, or other insurance information we provide is subject to applicable underwriting, carrier approval, policy terms, conditions, exclusions, payment, and any required signatures or documentation. No insurance coverage is bound, changed, canceled, or effective unless and until confirmed in writing by Borbolla Insurance Agencies or the applicable insurance carrier, and all required conditions for coverage have been satisfied.
Website content and communications are provided for general informational and service purposes and should not be interpreted as a guarantee of coverage, premium, claim outcome, or carrier acceptance.
4. User Responsibilities
You agree that all information you submit to us is accurate, complete, and current. This includes, but is not limited to, your name, contact information, address, date of birth, vehicle information, property information, business information, insurance history, and any other information needed to prepare quotes or applications.
You are responsible for promptly notifying us if any submitted information changes or if you believe information previously provided is inaccurate.
You agree not to submit information on behalf of another person unless you are authorized to do so.
5. Eligibility
The website and services are intended for users located in the United States. The website is generally intended for adults seeking insurance services. If you provide information about other household members, drivers, insureds, or applicants, including minors, you confirm that you have authority to provide that information for insurance-related purposes.
6. Prohibited Uses You agree not to: * Use the website or services for unlawful, fraudulent, misleading, or abusive purposes. * Submit false, inaccurate, or incomplete information. * Interfere with or disrupt the operation or security of the website. * Attempt to gain unauthorized access to our systems. * Scrape, crawl, copy, harvest, or extract data from the website without permission. * Reverse engineer, copy, reproduce, or misuse any software, forms, website design, content, or proprietary materials. * Use the website to transmit malware, spam, or harmful code. * Impersonate another person or misrepresent your relationship with any person or entity. * Abuse quote forms, contact forms, or communication channels.
We reserve the right to block access, reject submissions, or take other appropriate action if we believe these Terms have been violated.
7. Intellectual Property
All website content, text, graphics, logos, images, design elements, layout, forms, trade names, service names, and other materials are owned by or licensed to Borbolla Insurance Agencies and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, modify, create derivative works from, display, publish, or exploit any website content without our prior written permission, except for personal, non-commercial use related to evaluating or requesting our services.
8. Communications by Phone and Email
By providing your contact information, you authorize Borbolla Insurance Agencies to contact you by phone or email regarding your quote request, insurance application, policy inquiry, customer service request, or other insurance-related matter.
We may also send marketing emails where permitted by law. You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting us at BorbollaInsurance@gmail.com. Transactional or service-related emails may still be sent when necessary to respond to your request or service your insurance matter.
9. Text Message Terms
9.1 Program Name
The text messaging program is the Borbolla Insurance Agencies Text Message Program.
9.2 Program Description
By opting in to the Borbolla Insurance Agencies Text Message Program, you consent to receive informational and service-related SMS text messages from Borbolla Insurance Agencies related to your insurance quote request, application, appointment, policy documents, customer service, and related insurance communications.Examples of messages may include quote request confirmations, quote follow-ups, appointment reminders, application reminders, policy document reminders, customer service replies, and other communications related to your requested insurance services.
We do not use this SMS program to send unrelated third-party marketing messages.
9.3 Opt-In You may opt in by checking an optional SMS consent checkbox on our website quote request form or by otherwise providing consent through another method made available by us. SMS consent is separate from acceptance of these Terms and our Privacy Policy. Consent to receive text messages is not required to purchase, receive, or request services from Borbolla Insurance Agencies. 9.4 Message Frequency Message frequency varies based on your quote request, application status, appointment activity, policy service needs, and interactions with our agency. 9.5 Message and Data Rates Message and data rates may apply. Your mobile carrier may charge fees for sending or receiving text messages. Borbolla Insurance Agencies is not responsible for charges imposed by your mobile carrier. 9.6 Opt-Out Instructions You may opt out of receiving SMS text messages at any time by replying STOP to any text message from us. After you opt out, we will stop sending SMS text messages to that mobile number, except where permitted or required by law. You may also contact us at 877-217-7445 or BorbollaInsurance@gmail.com for assistance with opting out. 9.7 Help Instructions For assistance, reply HELP to any text message from us, call us at 877-217-7445, or email us at BorbollaInsurance@gmail.com. 9.8 Carrier Disclaimer Carriers are not liable for delayed or undelivered messages. 9.9 Supported Carriers and Delivery SMS delivery is subject to transmission from your mobile carrier and network availability. Delivery is not guaranteed and may be delayed, blocked, or unavailable. 9.10 Mobile Number Changes If your mobile number changes or is reassigned, please notify us or opt out before you stop using that number so we can update our records. 10. Third-Party Services and Links Our website or services may use or link to third-party services, including insurance carriers, CRM providers, analytics providers, telecommunications providers, and other service providers. Third-party websites and services are governed by their own terms and privacy policies. We are not responsible for third-party websites, services, content, or practices. 11. No Website Warranty The website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Borbolla Insurance Agencies disclaims all warranties, express or implied, including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, secure, or free from viruses or harmful components. 12. Limitation of Liability To the fullest extent permitted by law, Borbolla Insurance Agencies and its owners, officers, employees, agents, representatives, vendors, and service providers will not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, lost data, business interruption, or loss of goodwill arising out of or related to your use of the website or services. This limitation applies to claims arising from website errors, service interruptions, delayed messages, undelivered messages, inaccurate third-party information, quote delays, carrier delays, or reliance on website content. Nothing in these Terms limits liability where liability cannot be limited under applicable law. 13. Indemnification You agree to indemnify, defend, and hold harmless Borbolla Insurance Agencies and its owners, officers, employees, agents, representatives, vendors, and service providers from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your misuse of the website, violation of these Terms, submission of false or unauthorized information, or violation of applicable law or third-party rights. 14. Arbitration Agreement To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms, the website, or our services will be resolved through binding arbitration rather than in court, except that either party may bring an individual claim in small claims court if permitted by applicable law. The arbitration will take place in Florida unless the parties agree otherwise. The arbitrator will have authority to award the same damages and relief that a court could award on an individual basis. 15. Class Action Waiver To the fullest extent permitted by law, you and Borbolla Insurance Agencies agree that any dispute will be brought only on an individual basis and not as a class action, collective action, private attorney general action, or representative proceeding. 16. Governing Law These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. 17. Changes to These Terms We may update these Terms from time to time. The updated version will be posted on our website with a revised effective date. Your continued use of the website or services after changes are posted means you accept the updated Terms. 18. Contact Us If you have questions about these Terms, contact us at: Borbolla Insurance Agencies 320 Sevilla Ave, Suite 202 Coral Gables, FL 33134 Phone: 877-217-7445 Email: BorbollaInsurance@gmail.com