Terms and Conditions

2.1. Service Availability

The Insurance Box, Inc. offers services as described on our website. While we strive to provide uninterrupted service, we do not guarantee that our services will always be available, error-free, or secure.

2.2. Service Modifications

We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.

2.3. Client Contact

We aim to reach out to potential clients within 48 hours, subject to the availability of an agent.

2.4. Transparency and Verification

We may check online records to verify your identity or other necessary information as part of our services.

2.5. Carrier and Partner Agreements

All insurance carriers and any partners hold their own separate terms and conditions. Any agreements made between the individual and the carrier or partner are binding, and The Insurance Box, Inc. is not subject to any liability arising from these agreements or the carrier's/partner's terms and conditions.

3.1. Pricing

Service fees are listed on our website and are subject to change. Fees are non-refundable unless stated otherwise.

3.2. Payment

Payments must be made using the methods provided on our website. You agree to pay all fees, including applicable taxes, associated with your use of the services.

4.1. Prohibited Activities

You agree not to engage in any activity that:

• Violates any law or regulation.
• Infringes upon the rights of others, including intellectual property rights.
• Interferes with or disrupts the operation of our services or servers.

4.2. Content Submission

You are responsible for any content you submit or upload to our services.

5.1. Ownership

All content, logos, trademarks, and other materials provided by The Insurance Box, Inc. are the property of The Insurance Box, Inc. or its licensors. You may not reproduce, distribute, or use our intellectual property without prior written permission.

5.2. Third-Party Content

Our services may contain links to third-party websites or resources. The Insurance Box, Inc. is not responsible for the content or practices of these third parties.

6.1. No Warranty

The Insurance Box, Inc. provides its services "as is" and disclaims all warranties, express or implied, including those of merchantability, fitness for a particular purpose, and non-infringement.

6.2. Limitation of Damages

In no event shall The Insurance Box, Inc. be liable for any indirect, incidental, or consequential damages arising out of or related to your use of our services, or the agreements made between you and any carriers or partners.

7.1. Termination by You

You may terminate your account at any time by contacting us.

7.2. Termination by The Insurance Box, Inc.

We reserve the right to terminate or suspend your account or access to our services at any time, with or without notice, for any conduct that violates these Terms.

7.3. Post-Termination Data

Upon termination, users may lose access to any data associated with their accounts. It is your responsibility to download or backup any data prior to termination, as The Insurance Box, Inc. is not obligated to retain or provide access to such data.

8.1. User Account Responsibilities

You are responsible for maintaining the confidentiality of your account information, including any passwords. You agree to notify us immediately of any unauthorized use of your account. The Insurance Box, Inc. will not be held liable for any loss or damage arising from your failure to maintain the security of your account.

8.2. Indemnification

You agree to indemnify and hold harmless The Insurance Box, Inc., its affiliates, directors, officers, and employees from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising out of or related to your use of our services, violation of these Terms, or infringement of any rights of another party.

8.3. Force Majeure

The Insurance Box, Inc. shall not be liable for any failure or delay in the performance of its obligations under these Terms caused by events beyond its reasonable control, including but not limited to natural disasters, wars, acts of terrorism, strikes, pandemics, or governmental actions.

8.4. Automated Services and AI Disclaimer

Our services may include automated tools, such as AI-driven assistants that perform tasks like client auto-enrollment into health insurance plans. While we strive for accuracy, we do not guarantee that these services will be error-free. It is the responsibility of the client to review and verify all outputs generated by automated processes.

8.5. Third-Party Services

Our services may integrate with or rely on third-party services or tools (e.g., for payments, data processing). The Insurance Box, Inc. is not liable for the availability, accuracy, or functionality of these third-party services. Use of these services is at your own risk, and the terms and conditions of the third-party provider apply.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions.

10. Dispute Resolution

Any disputes arising from this Agreement will be resolved through binding arbitration in Utah, in accordance with the rules of the American Arbitration Association (AAA).