Terms of Service

Acceptance of Terms

By accessing our website at interbrokersofamerica.com or using any of our services, you acknowledge that you have read, understood, and 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 website or services.

Description of Services

InterBrokers of America, LLC is a licensed insurance broker based in Miami, Florida. We operate as a B2B platform connecting insurance carriers with agencies and financial advisors. Our services include providing insurance quotes, connecting clients with insurance products from our carrier partners, offering training and support for associate agents, and providing information about insurance and investment products across the United States and internationally.

User Responsibilities

When using our website and services, you agree to:

• Provide accurate, current, and complete information when submitting forms or communicating with us
• Not use our website for any unlawful purpose or in violation of these Terms
• Not attempt to gain unauthorized access to any portion of the website or any systems or networks connected to it
• Not interfere with or disrupt the website or servers or networks connected to the website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of InterBrokers of America, LLC or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. InterBrokers of America, LLC makes no warranties, expressed or implied, regarding the accuracy, reliability, or completeness of any information on this website. Insurance quotes and product information are for informational purposes only and do not constitute a binding offer of coverage. Actual coverage terms and premiums are determined by the issuing insurance carrier.

Limitation of Liability

To the fullest extent permitted by applicable law, InterBrokers of America, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our website or services. Our total liability to you for any claims arising from your use of the website or services shall not exceed the amount you have paid to us, if any, in the twelve months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless InterBrokers of America, LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising out of or in any way connected with your use of our website or services, or your violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Miami-Dade County, Florida.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms.