Effective Date: 05-2024
Company Name: SB Insurance (“we”, “our”, or “us”)
Website: https://sbinsurance.com
Please read these Terms and Conditions (“Terms”) carefully before using our website or services. By accessing or using our site or purchasing our insurance products, you agree to be bound by these Terms.
1. Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using SB Insurance, you confirm that you meet these requirements.
2. Services Provided
SB Insurance provides a variety of insurance products, including but not limited to Auto, Home, Renters, and Life insurance. Specific terms, coverages, exclusions, and conditions for each policy will be provided in your policy documentation.
3. Quotes & Coverage
Any quote provided through our website or by an agent is a non-binding estimate and does not constitute a contract or guarantee of coverage. Final premiums and eligibility are subject to underwriting approval and may vary based on additional information.
4. Policy Changes & Cancellations
Policyholders may request changes or cancellations in writing or through their account portal (if available). Cancellations are subject to state laws and may involve fees or earned premium charges.
5. Payments
All payments are due as outlined in your policy documents. Failure to pay premiums may result in cancellation of coverage. We are not responsible for lapses in coverage due to non-payment or insufficient funds.
6. Use of Website
You agree not to misuse our website, attempt to gain unauthorized access to systems, or transmit any harmful code. All content, logos, and intellectual property on the site belong to SB Insurance and may not be copied or distributed without permission.
7. Privacy Policy
Your use of our services is also governed by our [Privacy Policy]([Insert Link]), which explains how we collect, use, and protect your personal information.
8. Disclaimer
9. Limitation of Liability
SB Insurance will not be liable for any indirect, incidental, or consequential damages arising from the use of our website or services. Our total liability for any claim shall not exceed the amount paid by you for the specific insurance policy involved.
10. Governing Law
These Terms shall be governed by the laws of the State of [Insert State], without regard to its conflict of law principles.
11. Changes to Terms
We reserve the right to update or modify these Terms at any time without prior notice. Continued use of our services after changes are posted constitutes your acceptance of the revised Terms.
12. Contact Us
If you have any questions about these Terms & Conditions, please contact us at:
SB Insurance strives to provide accurate and up-to-date information, but we do not guarantee that all content is error-free or complete. Use of our services is at your own risk.