Terms & Conditions

Welcome to InsuraNova Services (“InsuraNova,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree with any part of these terms, you should discontinue use of this website.

1. Use of Website

This website is provided for general informational purposes only. You may access and use this website solely for lawful purposes and in accordance with these Terms & Conditions.

You agree not to:

• Use the website in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to systems, servers, or data
• Copy, reproduce, distribute, or misuse any website content without prior written permission

2. No Insurance Contract Created

Use of this website does not create an insurance contract, binder, or guarantee of coverage. All insurance policies are subject to underwriting approval, carrier terms, and the issuance of official policy documents by the respective insurance carrier.

3. Independent Agency Role

InsuraNova Services operates as an independent insurance agency. We do not issue insurance policies, perform underwriting, or make claims decisions. All coverage determinations, underwriting approvals, and claims outcomes are made solely by the issuing insurance carrier.

4. Accuracy of Information

While we strive to keep all information accurate and up to date, we do not guarantee the completeness, accuracy, or reliability of any content on this website. Insurance products, coverage options, and eligibility requirements may change without prior notice.

5. Intellectual Property

All content on this website—including text, graphics, logos, branding elements, and design—is the property of InsuraNova Services unless otherwise stated. No materials may be copied, reproduced, distributed, or used without prior written consent.

6. Limitation of Liability

InsuraNova Services shall not be liable for any damages arising from the use of, or inability to use, this website. This includes, but is not limited to, direct, indirect, incidental, consequential, or punitive damages.

7. Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. InsuraNova Services is not responsible for the content, policies, or privacy practices of any third-party websites.

8. Governing Law

These Terms & Conditions are governed by the laws of the United States and the applicable laws of the state in which services are provided, without regard to conflict of law principles.

9. Changes to Terms

InsuraNova Services reserves the right to update or modify these Terms & Conditions at any time without prior notice. Continued use of the website after any updates constitutes acceptance of the revised terms.