Terms of Service
Effective Date: October 30, 2025
Last Updated: October 30, 2025
Welcome to InsureWithImpact.com, the official website of Impact Insurance Brokerage LLC (“Company,” “we,” “us,” or “our”).
By accessing or using this website, you agree to comply with and be bound by the following Terms of Service.
If you do not agree to these terms, please do not use our website or services.
1. Use of Our Website
The content on this website is provided for general informational purposes only.
By using this website, you agree to use it solely for lawful purposes and in a manner consistent with all applicable laws and regulations.
You may not use this website:
- To engage in any fraudulent or illegal activities.
- To interfere with or disrupt the website’s operation.
- To attempt to gain unauthorized access to any systems or data.
We reserve the right to suspend or terminate access to the website if we determine that your use violates these terms or harms our business or clients.
2. No Guarantee of Coverage
Submitting information through this website or contacting us does not guarantee coverage, a quote, or an offer of insurance.
Coverage is subject to underwriting review, carrier approval, and applicable state laws and regulations.
All quotes are estimates based on the information provided and may change upon verification or completion of an official application.
3. Accuracy of Information
You agree that the information you provide through our forms, phone calls, or AI assistant is accurate and complete to the best of your knowledge.
Providing false, incomplete, or misleading information may affect your eligibility for insurance coverage.
4. Electronic Communications
By submitting a form, calling, or interacting with our AI assistant, you consent to receive communications from Impact Insurance LLC, including calls, emails, and text messages regarding your inquiry or insurance options.
You can opt out of marketing communications at any time by replying “STOP” to a text message or by contacting us directly at [email protected].
5. Use of AI Assistant
We may use AI technology (voice, chat, or text) to streamline communications and assist with quote preparation.
By interacting with our AI assistant, you consent to the collection and use of your information in accordance with our Privacy Policy.
All AI interactions are reviewed by a licensed broker before final recommendations or quotes are provided.
6. Intellectual Property Rights
All content on this website, including text, graphics, logos, icons, images, and layout, is the property of Impact Insurance LLC and is protected by copyright and trademark laws.
You may view, download, and print content for personal, non-commercial use only.
You may not reproduce, distribute, modify, or publicly display any material without our prior written consent.
7. Third-Party Links
Our website may contain links to third-party websites for convenience or informational purposes.
We are not responsible for the content, accuracy, or privacy practices of those third-party sites.
Accessing those links is at your own risk.
8. Disclaimer of Warranties
This website and its content are provided on an “as-is” and “as-available” basis without any warranties of any kind.
We make no representations or guarantees regarding the accuracy, completeness, or reliability of the information on this site.
Your use of this website is at your own risk.
9. Limitation of Liability
To the fullest extent permitted by law, Impact Insurance LLC shall not be liable for any indirect, incidental, or consequential damages arising out of your use of the website or reliance on its content.
This includes, without limitation, damages resulting from data loss, interruptions, or inaccuracies.
10. Indemnification
You agree to indemnify and hold harmless Impact Insurance LLC, its affiliates, employees, and partners from any claims, losses, or expenses arising from your use of the website or violation of these Terms of Service.
11. Changes to These Terms
We may update these Terms of Service periodically without prior notice.
The revised version will be posted on this page with an updated effective date.
Continued use of the website after changes are posted constitutes your acceptance of the new terms.
12. Governing Law
These Terms of Service shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict-of-law principles.
13. Brokerage Fees
In accordance with state regulations, Impact Insurance LLC may charge a broker fee for certain policy placements or services.
Broker fees are fully disclosed before coverage is bound and are non-refundable once a policy is issued.
All broker fees are separate from premiums charged by insurance carriers and are used to cover administrative and service-related costs associated with policy processing and placement.
We comply with all applicable regulations regarding broker fee disclosures in both California and Arizona.
14. Contact Information
For any questions or concerns about these Terms of Service, please contact us at:
Impact Insurance LLC
Email: [email protected]
Phone: 949-755-0833
Website: https://insurewithimpact.com