General Terms
Acceptance of Terms
By accessing and using the website at theinsurancebox.com (the "Site"), operated by The Insurance Box ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
Eligibility
You must be at least 18 years of age to use this Site or submit any form or booking request. By using the Site, you represent and warrant that you meet this age requirement.
Modifications to Terms
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
Services
Description of Services
The Insurance Box is an independent insurance brokerage providing insurance education, consultation, and placement services. We are not an insurance carrier and do not underwrite or issue insurance policies. We work with multiple insurance carriers to help connect you with coverage options that may fit your needs.
Service Availability
Insurance products and availability vary by state. Coverage options, premiums, and benefits are not guaranteed and are subject to underwriting approval by the issuing insurance carrier. The information presented on this Site, including descriptions of insurance products, coverage types, and general pricing guidance, is for educational purposes and may not reflect the exact terms, conditions, or availability applicable to your specific situation.
Service Modifications
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We are not liable for any modification, suspension, or discontinuance of the services.
Client Contact
When you submit a form, booking request, or inquiry through our Site, you consent to be contacted by our licensed specialists via phone, email, or text message regarding your inquiry. You may opt out of future communications at any time.
Transparency
Nothing on this Site should be interpreted as a binding offer, quote, or guarantee of insurance coverage. All insurance products are subject to the terms and conditions of the applicable policy and carrier. You should always consult directly with a licensed insurance professional before making any insurance or financial decisions.
Carrier Agreements
Any insurance policy you purchase through our services is a contract between you and the issuing insurance carrier. The Insurance Box acts as an intermediary and is not a party to any insurance policy. We are not responsible for any claims, denials, or disputes between you and the insurance carrier.
Fees and Payment
Our consultations and insurance guidance are provided at no cost to you. The Insurance Box is compensated through commissions paid by insurance carriers when a policy is placed. You are never charged a fee by The Insurance Box for our services.
User Conduct
Prohibited Activities
When using this Site, you agree not to:
- Submit false, misleading, or fraudulent information through any form on the Site
- Use the Site for any unlawful purpose or in violation of any applicable local, state, or federal law
- Attempt to interfere with the proper functioning of the Site, including through automated systems, bots, or scripts
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity
- Scrape, harvest, or collect information from the Site for commercial purposes without our written consent
- Attempt to gain unauthorized access to our systems, networks, or data
Content Submission
Any content you submit through forms, chat, or other input mechanisms on our Site (including inquiries, messages, and reviews) must be accurate, lawful, and not infringe on the rights of any third party. We reserve the right to remove any content that violates these Terms.
Intellectual Property
All content on this Site — including text, graphics, logos, images, software, and design elements — is the property of The Insurance Box or its content licensors and is protected by United States copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.
You are welcome to share links to our Site and its content for non-commercial, informational purposes.
Limitation of Liability
To the fullest extent permitted by law, The Insurance Box and its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use the Site or our services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
Termination
We reserve the right to suspend or terminate your access to the Site at any time, with or without cause and with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties.
Additional Clauses
Account Responsibilities
If you create an account or submit information through our Site, you are responsible for maintaining the accuracy of your information and for any activity that occurs under your contact information.
Indemnification
You agree to indemnify, defend, and hold harmless The Insurance Box and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or in any way connected with your use of the Site or violation of these Terms.
Force Majeure
We are not liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, internet disruptions, or other force majeure events.
Automated Services & AI Disclaimer
Portions of our Site and internal operations may use automated tools, including artificial intelligence, to assist with scheduling, communication, and content creation. All insurance recommendations and policy placements are reviewed and handled by licensed human specialists. Automated tools do not make insurance decisions on your behalf.
Third-Party Services
Our Site may contain links to or integrations with third-party websites, services, or tools that are not owned or controlled by The Insurance Box. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party services. Your use of third-party services is at your own risk and subject to their respective terms and privacy policies.
Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. Any disputes arising from or related to these Terms or your use of the Site shall be resolved through binding arbitration administered in Utah County, Utah, in accordance with the rules of the American Arbitration Association. You agree to waive your right to a jury trial and to participate in a class action lawsuit.
Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.
Contact Us
If you have questions about these Terms of Service, please contact us:
- Email: support@theinsurancebox.com
- Phone: (801) 850-0872
- Address: The Insurance Box, 4421 N Thanksgiving Way, Suite 201, Lehi, UT 84043