Terms and Conditions

Agreement to Terms

Welcome to AMI Insure. These Terms and Conditions constitute a legally binding agreement between you and AMI Insure regarding your use of our website, services, and insurance products.

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.

Eligibility and User Accounts

Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration

Account Responsibilities

When you create an account with AMI Insure, you agree to:

• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account
• Accept responsibility for all activities that occur under your account
• Provide truthful and accurate information at all times
• Update your information promptly when changes occur

Insurance Services

Nature of Services

AMI Insure acts as an insurance agency and broker, facilitating connections between customers and insurance carriers. We offer the following insurance products:

• Auto Insurance
• Home Insurance
• Medicare Insurance
• Health Insurance
• Life Insurance
• Business Insurance

Quote Process

Insurance quotes provided through our website are estimates based on the information you provide. Actual policy terms, coverage, and premiums may vary based on underwriting requirements and final approval by the insurance carrier.

No Guarantee of Coverage

AMI Insure does not guarantee that you will qualify for any specific insurance product or coverage. Final approval is subject to underwriting by the insurance carrier and compliance with their eligibility requirements.

Payments and Billing

Payment terms for insurance premiums are established by the insurance carrier and outlined in your policy documents. You agree to:

• Pay all premiums and fees in a timely manner
• Provide valid payment information
• Notify us of any changes to your payment information
• Authorize automatic payments if you elect this option

Failure to pay premiums may result in policy cancellation or lapse of coverage. We are not responsible for coverage gaps resulting from non-payment.

Prohibited Activities

When using our website and services, you agree not to:

• Provide false, misleading, or fraudulent information
• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Engage in data mining, scraping, or automated data collection
• Impersonate another person or entity
• Harass, threaten, or abuse our staff or other users
• Use our services for any illegal purpose

Intellectual Property Rights

All content on the AMI Insure website, including text, graphics, logos, images, software, and design elements, is the property of AMI Insure or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Modify, create derivative works, or reverse engineer our services
• Use our trademarks, logos, or branding without authorization
• Remove or alter copyright notices or proprietary markings

Disclaimers and Limitations of Liability

Service Disclaimer

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free.

Insurance Advice Disclaimer

Information provided on our website is for general informational purposes only and does not constitute professional insurance advice. You should consult with a licensed insurance agent to discuss your specific needs and circumstances.

Limitation of Liability

To the maximum extent permitted by law, AMI Insure shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of our services, including but not limited to:

• Loss of profits or business opportunities
• Data loss or corruption
• Coverage gaps or policy cancellations
• Errors or omissions in information provided
• Actions or decisions made by insurance carriers

Indemnification

You agree to indemnify, defend, and hold harmless AMI Insure, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms and Conditions
• Your violation of any laws or third-party rights
• False or fraudulent information you provide

Dispute Resolution and Arbitration

Any disputes arising from these Terms and Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits or class-wide arbitration.

This arbitration agreement does not prevent you from bringing issues to the attention of federal, state, or local agencies, including the state insurance department.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Mexico, without regard to its conflict of law provisions. Insurance policies are subject to the laws of the state in which they are issued.

Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms and Conditions. Upon termination, your right to use our services will immediately cease.

You may terminate your account at any time by contacting us. Termination of your account does not affect your insurance policies or obligations under those policies.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of significant changes by posting the updated terms on our website with a revised "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and AMI Insure regarding your use of our services and supersede all prior agreements and understandings.