Effective Date: June 17, 2025
These Terms & Conditions (“Terms”) govern your use of NAVINSURE Insurance Agency, LLC’s (“NAVINSURE,” “we,” “us,” or “our”) website, mobile app, and all related services (together, the “Services”). By accessing or using the Services, you agree to be bound. If you do not agree, please discontinue use.
1. Definitions
- You/Your: Any user or entity accessing the Services
- Services: The NAVINSURE website, app, quote tools, applications, and communications
- Insurer: A licensed insurance carrier underwriting coverage
2. Eligibility
You affirm that you are (a) at least 18 years old and legally competent to contract, or (b) if acting on behalf of an entity, authorized to bind that entity and will be personally responsible. You must comply with all laws and Regulations applicable to your use of the Services.
3. License & Use Restrictions
We grant you a limited, revocable, non‑exclusive license to access and use the Services for personal, non‑commercial purposes in compliance with these Terms.
You agree not to:
- Misrepresent your identity or impersonate others
- Interfere with site security, reverse engineer our platform, or engage in fraudulent activity
- Use automated tools to access, scrape, or manipulate the Services
4. Account & Password
Where account creation is required, you must provide accurate, current registration details. You’re responsible for all account activity and for maintaining the confidentiality of your credentials. Notify us immediately of unauthorized use
.
5. Quotes & Applications
- Non‑Binding Quotes: Quotes provided are estimates only and do not guarantee coverage. Final premiums, terms, and conditions depend on insurer underwriting.
- Accuracy of Information: You must provide complete, accurate, and truthful information. Insurers may verify and request additional data.
- Policy Formation: Insurance coverage is effective only after insurer acceptance, policy issuance, and receipt of full premiums.
6. Purchase Responsibility
You are solely responsible for the selections you make—coverage types, limits, deductibles, and endorsements. Policy terms, conditions, and availability are determined exclusively by the insurer.
7. Fraud Warning
Knowingly providing false or misleading information to obtain insurance constitutes fraud and may lead to civil or criminal penalties under applicable law.
8. Claims Handling
If you file a claim, we will submit details to your insurer and support the process as authorized. All claim determinations and payouts are subject to the insurer’s policy terms and procedures.
9. No Professional Advice
The information provided via the Services is for general informational purposes and not legal, accounting, or professional advice. Please refer to your actual policy documents for definitive terms.
10. Credit-Based Insurance Information
We may obtain or use information from consumer reporting agencies to generate quotes or as required by underwriting. Credit information usage will comply with applicable law and may be restricted in certain jurisdictions.
11. Recurring Payments
By purchasing coverage, you authorize us to charge the payment method on file (credit/debit or bank account) according to your billing agreement. Any changes or renewals may result in pro-rated or adjusted charges. You may cancel recurring payments by terminating your policy.
12. Third-Party Links
Our Services may link to third-party websites. We do not endorse, control, or assume responsibility for third-party content, practices, or privacy policies.
13. Intellectual Property
All Services content—text, graphics, code, logos—is owned or licensed by NAVINSURE. Insurer logos, photographs, or trademarks remain the property of their respective owners. You may not use, replicate, or derive from any content without written consent.
14. Disclaimer of Warranties
THE SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NAVINSURE’S LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES IS LIMITED TO THE TOTAL AMOUNT YOU PAID IN PREMIUMS THROUGH US IN THE PRIOR 12 MONTHS. IN NO EVENT SHALL NAVINSURE BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY.
16. Indemnification
You agree to indemnify and hold harmless NAVINSURE, its officers, directors, employees, and agents from any claims, damages, liabilities, or expenses (including attorneys’ fees) arising from your violation of these Terms or use of the Services.
17. Termination
We may suspend or terminate your access at our discretion, including for violation of these Terms, failure to pay, or operational concerns, with or without notice.
18. Governing Law & Jurisdiction
These Terms are governed by Oregon law, without regard to conflict-of-law rules. Any disputes shall be resolved exclusively in state or federal courts located in Portland, Oregon.
19. Modifications to Terms
We may revise these Terms at any time by posting updated terms here and updating the “Effective Date.” Continued use of the Services after changes indicates acceptance.
20. General Provisions
- Severability: If any part is invalid, remaining provisions remain in force.
- Entire Agreement: These Terms and our Privacy Policy constitute the complete agreement and supersede prior agreements.
- Waiver: Failure to enforce any right is not a waiver of that right.
- Assignment: You may not assign your rights or obligations under these Terms. NAVINSURE may assign at will.
- Electronic Notices: By using the Services, you agree to receive electronic notices via email or posting on the Services
21. Third-Party Providers
21.1 Google Maps
Our Services may integrate Google Maps or related functionality (“Map Services”). Your use is subject to both these Terms and the Google Maps/Google Earth Additional Terms of Service and the Google Privacy Policy.
21.2 Cloud and Development Platforms
Our Services may rely on Amazon Web Services (AWS), Replit, Supabase, Webflow, or similar third-party platforms for hosting, application logic, infrastructure, or data storage. You acknowledge that these providers support but do not operate, control, or endorse our Services. NAVINSURE remains solely responsible for the functionality, content, and outcomes of its offerings. Your use of any functionality powered by these platforms is subject to their respective terms of service and privacy policies.
- Third-Party Terms Supremacy: Where applicable, the terms of service of third‑party providers (e.g., Google Maps, AWS, Webflow, Replit, Supabase) will govern your use of their features or infrastructure. These apply in addition to NAVINSURE’s Terms & Conditions.
- No Endorsement or Warranty: NAVINSURE does not endorse or guarantee the functionality or data practices of any third-party provider. These providers are not liable for any issues arising from your use of NAVINSURE’s Services.
- Updates by Providers: Third-party platforms may revise their legal terms at any time. Your continued use of Services that rely on these platforms constitutes agreement with their most current terms.
22. Contact Information
NAVINSURE Brokerage Inc.
Email: quote@navinsure.us
