Terms of Service

By accessing or using the Better World Insurance website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Site or services. These Terms constitute a legally binding agreement between you and Better World Insurance, a licensed insurance agency in Florida (License # W659014).

Better World Insurance is an independent insurance agency offering: • Insurance quote generation and comparison • Policy placement with insurance carriers

Use of this Site does not create an insurance contract. Insurance coverage is only effective when: • You complete a formal application • The application is accepted by an insurance carrier • You pay the required premium • The carrier issues a policy or binder Quotes provided on this Site are estimates only and not guarantees of coverage or final pricing. Actual rates, terms, and coverage depend on underwriting approval by the insurance carrier.

You represent and warrant that all information you provide is accurate, complete, and current. Providing false or misleading information may result in: • Denial of coverage • Policy cancellation or rescission • Claim denial • Legal liability You must promptly notify us of any changes to your information that may affect your insurance coverage.

Better World Insurance is licensed as an insurance agency in Florida (License # W659014). Our agents are licensed to sell insurance in Florida. We comply with all applicable state insurance laws and regulations. If you are located outside Florida, we may not be able to provide services in your jurisdiction. Insurance products and availability vary by state.

You may use this Site for lawful purposes only. You agree not to: • Violate any laws or regulations • Infringe intellectual property rights • Transmit viruses, malware, or harmful code • Attempt unauthorized access to our systems • Use automated tools to scrape or copy content • Impersonate any person or entity • Interfere with Site functionality or other users We reserve the right to terminate your access for violations of these Terms.

All content on this Site, including text, graphics, logos, images, and software, is the property of Better World Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from Site content without our written permission.

This Site may contain links to third-party websites and services, including insurance carriers. We are not responsible for: • Content, accuracy, or availability of third-party sites • Privacy practices of third-party sites • Products or services offered by third parties Your interactions with third parties are solely between you and the third party. We recommend reviewing third-party terms and privacy policies.

This Site and services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including but not limited to: • Merchantability or fitness for a particular purpose • Accuracy, completeness, or timeliness of information • Uninterrupted or error-free operation • Security or freedom from viruses TO THE FULLEST EXTENT PERMITTED BY LAW, BETTER WORLD INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, DATA LOSS, OR BUSINESS INTERRUPTION. Our total liability to you for any claim arising from your use of this Site shall not exceed the fees you paid us in the 12 months preceding the claim, or $100, whichever is greater.

You agree to indemnify, defend, and hold harmless Better World Insurance, its officers, agents, and employees from any claims, liabilities, damages, losses, and expenses (including attorney fees) arising from: • Your use of the Site • Your violation of these Terms • Your violation of any rights of another party • Information you provide to us

Your use of this Site is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to our collection, use, and disclosure of personal information as described in the Privacy Policy.

By providing your phone number, email address, or other contact information, you consent to receive communications from us, including: • Quote and policy information • Marketing messages (you may opt out) • Service notifications • Regulatory disclosures Communications may be sent via email, SMS, phone, mail, or other methods. Standard message and data rates may apply for SMS and mobile communications.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the modified Terms. We recommend reviewing these Terms periodically for updates.

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising from these Terms or your use of the Site shall be resolved through binding arbitration in Miami-Dade County, Florida, in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or participation in a class action lawsuit. Notwithstanding the arbitration requirement, we may seek injunctive or equitable relief in court to protect our intellectual property rights.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

For questions about these Terms of Service, contact: Better World Insurance 5755 W Flagler Street, Suite 210 Miami, FL 33144 Phone: (305) 744-5232 Email: barbara@betterworldinsurance.org Florida License # W659014