These Terms of Service ("Terms") govern your access to and use of www.smaartinsurance.com and any related services provided by SMAART Insurance, a division of SMAART Company ("SMAART," "we," "our," or "us"). By using this website, you agree to these Terms.
1. About SMAART Insurance
SMAART Insurance operates as a licensed insurance agency in the State of Florida. Information on this site is provided for general informational purposes about insurance and risk management. It does not constitute an offer of insurance, a binding quote, or legal, tax, or financial advice.
2. Quotes and applications
- Submitting a quote request through this site does not create an insurance contract. Coverage is bound only when expressly confirmed in writing by SMAART or the issuing carrier.
- Information you provide must be accurate and complete. Premiums and coverage availability depend on underwriting review and carrier acceptance.
- Final terms, conditions, exclusions, and pricing are governed by the policy issued by the carrier, which controls in the event of any conflict with content on this site.
3. Acceptable use
You agree not to:
- Use the site in any way that violates applicable law or regulation.
- Submit false, misleading, or fraudulent information.
- Attempt to gain unauthorized access to any part of the site, related systems, or accounts of other users.
- Interfere with or disrupt the site, including by introducing viruses, scrapers, or excessive automated traffic.
- Use the site or its content to train, fine-tune, or otherwise develop machine-learning models without our prior written consent.
4. Intellectual property
All content on this site — including text, graphics, logos, images, and software — is owned by SMAART Company or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may view and share links to our content for personal, non-commercial purposes. Any other use requires our prior written permission.
5. Third-party links and services
Our site may link to third-party websites and integrate third-party services (such as Google reCAPTCHA, analytics providers, and CRM tools). We do not control and are not responsible for third-party content, products, or practices. Your use of third-party services is subject to their own terms and privacy policies.
6. Disclaimers
The site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
7. Limitation of liability
To the fullest extent permitted by law, SMAART, its affiliates, and their respective officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenue, data, or use, arising out of or relating to your access to or use of the site, even if advised of the possibility of such damages.
8. Indemnification
You agree to defend, indemnify, and hold harmless SMAART and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your misuse of the site.
9. Governing law and venue
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. The exclusive venue for any dispute arising out of or relating to these Terms or the site shall be the state or federal courts located in Broward County, Florida.
10. Changes to these Terms
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent version. Your continued use of the site after changes are posted constitutes acceptance of the updated Terms.
11. Contact us
For questions about these Terms, contact us at:
SMAART Insurance
2319 N Andrews Ave, Fort Lauderdale, FL 33311
Email: info@smaartinsurance.com
Phone: (305) 819-3675