Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website located at www.thriveinsurancepartners.com ("Site") and any services provided by Thrive Insurance Partners ("we," "us," or "our"). By accessing or using our Site, you agree to be bound by these Terms.

By accessing this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the modified Terms.

2.1 Permitted Use

You may use this Site for lawful purposes only, including:

• Requesting insurance quotes and information
• Applying for career opportunities
• Contacting our team with inquiries
• Accessing educational resources about insurance products

2.2 Prohibited Conduct

You agree NOT to:

• Use the Site for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Site or servers
• Use automated tools (bots, scrapers) to access the Site without permission
• Reverse engineer, decompile, or disassemble any Site components
• Upload viruses, malware, or malicious code
• Harass, abuse, or harm other users or our staff
• Impersonate any person or entity

Violation of these terms may result in immediate termination of your account and legal action.

3.1 Account Creation

To access certain features (e.g., the Agent Portal), you must create an account using Google OAuth ("Sign in with Google"). You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Providing accurate, current, and complete information

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time, without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Providing false information
• Prolonged inactivity (180+ days)
• At our sole discretion for business or security reasons

You may terminate your account at any time by contacting support@thriveinsurancepartners.com.

3.3 Agent Responsibilities

If you are granted access to the Agent Portal, you agree to:

• Maintain all required insurance licenses in good standing
• Comply with all federal, state, and local insurance regulations
• Protect client confidentiality and personal information
• Use the platform ethically and professionally
• Report any security incidents or data breaches immediately

4.1 No Professional Advice

The information provided on this Site is for general informational purposes only and does NOT constitute financial, legal, tax, or insurance advice. You should consult with a licensed professional before making insurance decisions.

4.2 Quotes Are Not Binding

Insurance quotes provided through this Site are:

• Estimates only and subject to change based on underwriting review
• Not contracts or offers of insurance coverage
• Not guaranteed until a policy is issued and premium is paid
• Subject to approval by the insurance carrier

4.3 Carrier Relationships

We work with multiple insurance carriers but are not owned by or affiliated with any specific carrier. We receive commissions from carriers when policies are sold, which may influence product recommendations. Rates, coverage terms, and availability are determined solely by the insurance carriers.

4.4 Licensing & Compliance

Thrive Insurance Partners and its agents are licensed to sell insurance in accordance with state regulations. Not all products may be available in all states. Coverage is subject to state-specific terms, conditions, and exclusions.

The Site and its original content, features, design, functionality, and all intellectual property are and will remain the exclusive property of Thrive Insurance Partners and its licensors.

Protected elements include but are not limited to:

• Trademarks, service marks, logos, and brand names
• Website design, layout, and user interface
• Text, graphics, images, photographs, and videos
• Software, code, and proprietary algorithms
• Educational content, articles, and resources

All content is protected by U.S. and international copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, or distribution is strictly prohibited.

6.1 "As Is" Disclaimer

THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• Defects will be corrected
• The Site is free of viruses or harmful components
• Results obtained from use will be accurate or reliable

6.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THRIVE INSURANCE PARTNERS AND ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Loss of goodwill or reputation
• Cost of substitute goods or services
• Business interruption

This limitation applies whether based on warranty, contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

6.3 Maximum Liability

Our total liability to you for all claims arising from or relating to the Site or these Terms shall not exceed the greater of (a) $100 USD or (b) the amount you paid us in the 12 months preceding the claim.

6.4 Third-Party Links

The Site may contain links to third-party websites or services not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites.

You agree to defend, indemnify, and hold harmless Thrive Insurance Partners and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Site or services
• Your violation of any third-party rights
• Your violation of any applicable laws or regulations
• Any content you submit or transmit through the Site

8.1 Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States of America and the state where Thrive Insurance Partners is headquartered, without regard to conflict of law provisions.

8.2 Informal Dispute Resolution

Before filing a lawsuit, you agree to first contact us and attempt to resolve the dispute informally. Email disputes to legal@thriveinsurancepartners.com with a detailed description of the issue. We will attempt to resolve within 30 days.

8.3 Arbitration Agreement

If informal resolution fails, you and Thrive Insurance Partners agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be settled by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Arbitration terms:

• Arbitration shall be conducted by a single arbitrator
• The arbitrator's decision shall be final and binding
• Arbitration shall take place in [Your State]
• Each party bears its own costs and fees
• Class action waiver: You may not bring claims as a class action or participate in class arbitration

8.4 Exceptions to Arbitration

Either party may seek relief in small claims court for disputes within its jurisdiction. Additionally, we may seek injunctive relief in court to protect our intellectual property rights.

9.1 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

9.2 Assignment

You may not assign, transfer, or sublicense these Terms without our prior written consent. We may assign these Terms without restriction.

9.3 Waiver

No waiver by us of any term or condition shall be deemed a further or continuing waiver. Our failure to enforce any right or provision shall not constitute a waiver.

9.4 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Thrive Insurance Partners regarding use of the Site and supersede all prior agreements.

9.5 Force Majeure

We shall not be liable for any failure to perform our obligations due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor strikes, government actions, or internet/telecommunications failures.

If you have questions, concerns, or disputes regarding these Terms of Service, please contact us: