Terms of Service

1. Acceptance of Terms

By accessing or using our website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

These terms may be updated from time to time, and your continued use of our services constitutes acceptance of any changes.

2. Description of Services

Akiem Insure Agency provides:

• Insurance quote comparison services
• Connection to licensed insurance agents and carriers
• Educational resources about insurance products
• Lead generation services for insurance providers

3. User Responsibilities

Accurate Information

You agree to provide accurate, complete, and truthful information when requesting quotes or using our services. Providing false information may void your insurance coverage or result in claim denials.

Eligibility

You must be at least 18 years old and legally capable of entering into contracts to use our services.

Prohibited Uses

You may not use our services to:

• Violate any applicable laws or regulations
• Submit false, fraudulent, or misleading information
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use automated systems to access our services without permission

4. Quote Process and Accuracy

Quote Estimates

Quotes provided through our service are estimates based on the information you provide. Final rates and terms are determined by the insurance carriers and may differ from initial quotes.

No Guarantee of Coverage

Requesting a quote does not guarantee that you will be approved for coverage. Insurance applications are subject to underwriting approval by the insurance carriers.

Rate Changes

Insurance rates may change based on additional information gathered during the application process or changes in your circumstances.

5. Third-Party Relationships

Insurance Carriers

We work with licensed insurance companies to provide you with coverage options. Your insurance policy will be with the carrier, not with Akiem Insure Agency.

Licensed Agents

We may connect you with licensed insurance agents who can help you with your insurance needs. These agents are independent contractors or employees of insurance companies.

No Control Over Third Parties

We are not responsible for the actions, policies, or services of third-party insurance companies or agents.

6. Privacy and Data Sharing

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to:

• The collection and use of your information as described in our Privacy Policy
• Sharing your information with insurance carriers and agents for quote purposes
• Communication from us and our partners about insurance products and services

7. Disclaimers and Limitations

Service Availability

We strive to provide uninterrupted service but do not guarantee that our website will always be available or error-free. We may temporarily suspend or restrict access for maintenance or other reasons.

No Warranty

Our services are provided "as is" without warranties of any kind, express or implied. We do not warrant the accuracy, completeness, or reliability of any information or quotes.

Limitation of Liability

To the maximum extent permitted by law, Akiem Insure Agency shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Akiem Insure Agency or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without written permission.

9. Indemnification

You agree to indemnify and hold harmless Akiem Insure Agency from any claims, damages, or expenses arising from:

• Your use of our services
• Your violation of these terms
• Your violation of any third-party rights
• Any false or misleading information you provide

10. Governing Law and Disputes

These terms are governed by the laws of the state in which Akiem Insure Agency is licensed. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

11. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice. You may stop using our services at any time.

Provisions of these terms that by their nature should survive termination will continue to apply.

12. Contact Information

13. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.