Terms & Conditions

Service Agreement and Access

When you engage with ConstantSecure, whether by requesting quotes, purchasing insurance policies, or using our digital platforms, you enter into a binding service agreement with us. This agreement encompasses all interactions you have with our company, including communications with our representatives, use of our website and mobile applications, and the insurance products you purchase through us.

You represent and warrant that all information you provide to us is accurate, complete, and current. You understand that providing false or misleading information may result in denial of coverage, cancellation of your policy, or denial of claims. You agree to promptly notify us of any changes to your contact information, address, or other material details that may affect your insurance coverage.

Account Responsibilities

If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other security breach. We cannot and will not be liable for any loss or damage arising from your failure to comply with these security obligations.

You may not use another person's account without permission, create multiple accounts for the same individual, or share your account credentials with others. We reserve the right to suspend or terminate accounts that violate these terms or that we believe may be involved in fraudulent activity.

Insurance Products and Policy Terms

ConstantSecure acts as an insurance intermediary, connecting you with quality insurance carriers and helping you find coverage that meets your needs. The specific terms, conditions, coverages, exclusions, and limitations of your insurance policy are governed by the policy contract issued by the insurance carrier, not by these terms and conditions.

We make reasonable efforts to ensure that the insurance products we offer are suitable for your stated needs and circumstances. However, it is your responsibility to carefully review all policy documents, understand the coverage provided, and ask questions about anything that is unclear. We cannot guarantee that the coverage you select will be adequate for all potential losses or that your claims will be paid.

Premium Payments and Billing

You agree to pay all premiums when due according to the payment schedule established in your policy. Late payments may result in late fees, policy cancellation, or loss of coverage. If your policy is cancelled for non-payment, you may lose certain benefits and face difficulties obtaining coverage in the future.

We offer various payment methods for your convenience, including electronic funds transfer, credit card payments, and automatic recurring payments. By providing payment information, you authorize us and our payment processors to charge the specified amount according to your payment schedule. You are responsible for ensuring sufficient funds are available for scheduled payments.

Claims and Dispute Resolution

When you file a claim, you agree to cooperate fully with the investigation process, provide all requested documentation promptly, and truthfully answer all questions related to your claim. Failure to cooperate or providing false information during the claims process may result in denial of your claim and potential policy cancellation.

Claims are processed by the insurance carrier according to the terms of your policy. While we will assist you throughout the claims process, we do not make final determinations regarding claim payments or denials. If you disagree with a claim decision, you may have recourse through the carrier's appeals process or through legal channels as outlined in your policy documents.

Limitation of Liability

ConstantSecure provides insurance brokerage services and connects you with insurance carriers. We are not responsible for the actions, decisions, or financial stability of insurance carriers. We are not liable for any coverage gaps, claim denials, delays in processing, or insolvency of insurance companies with whom we place your coverage.

To the fullest extent permitted by law, our liability for any claims arising from our services is limited to the amount of commissions we earned on your policies during the twelve months preceding the claim. We are not liable for any indirect, consequential, special, or punitive damages arising from your use of our services or any insurance coverage arranged through us.

Intellectual Property and Content

All content on our website, including text, graphics, logos, images, software, and other materials, is the property of ConstantSecure or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content without our express written permission.

You grant us a non-exclusive, worldwide, royalty-free license to use any content you submit to us, including reviews, testimonials, or other communications, for marketing and business purposes. You represent that you have all necessary rights to grant this license and that such content does not violate any third-party rights.

Termination and Modification

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We may also terminate or suspend your access to our services if we believe you have violated these terms, engaged in fraudulent activity, or for any other reason at our sole discretion.

You may terminate your relationship with us at any time by cancelling your policies and closing your account. However, certain obligations under these terms, including payment obligations and warranty disclaimers, survive termination of the relationship.

Governing Law and Jurisdiction

These terms are governed by and construed in accordance with applicable state and federal laws. Any disputes arising from these terms or our services will be resolved through binding arbitration or in the courts having jurisdiction over our principal place of business, as determined by applicable law and your policy terms.

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect. Our failure to enforce any right or provision of these terms does not constitute a waiver of such right or provision.