Terms & Conditions
Introduction
Welcome to Swan Insurance LLC ("SI", “we,” “us,” or “our”). By accessing or using our website, services, or any content provided by SI, you agree to comply with and be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you must not use our website or services.
1. Use of the Website and Services
1.1 Eligibility
By using our website, you represent that you are at least 18 years of age and legally able to enter into this agreement.
1.2 Permitted Use
You may use our website and services solely for lawful purposes, such as learning about our offerings, booking appointments, and submitting inquiries.
1.3 Prohibited Activities
You agree not to:
• Misuse the website or services by attempting unauthorized access.
• Post or transmit harmful, offensive, or unlawful content.
• Copy, reproduce, distribute, or use our content without permission.
2. Intellectual Property
2.1 Ownership
All content on this website, including text, graphics, images, videos, trademarks, and logos, is owned by or licensed to SI and is protected by U.S. and international copyright laws.
2.2 Permitted Use
You may not download or print content for personal or commercial use without authorization. Modifying, reproducing, or distributing our content without prior written permission is strictly prohibited.
3. Lead Consent and Disclaimer
3.1 Consent to Contact
By submitting your information through this website, you consent to SI and its representatives contacting you via phone, email, and SMS text message about our products and services. This may include the use of automated technology, even if your number is listed on a federal or state Do-Not-Call registry.
3.2 No Guarantee of Results
Submitting your information or booking an appointment does not guarantee approval for any insurance product or service.
4. Appointment Booking Terms
4.1 Accuracy of Information
You agree to provide accurate and up-to-date information when booking appointments.
4.2 Cancellations
If you need to cancel or reschedule, please notify us at least 24 hours in advance.
4.3 No-Shows
Repeated no-shows or cancellations may result in restrictions on future bookings.
5. Privacy and Data Collection
5.1 Cookies
We use cookies to enhance user experience, analyze website traffic, and personalize content.
5.2 Data Usage
Information you submit may be used for marketing, service improvements, analytics, communication, and insurance-related processing, as outlined in our Privacy Policy.
6. Disclaimer of Warranties
6.1 “As Is” Basis
Our website and services are provided “as is” and “as available,” without any warranties.
6.2 No Guarantees
SI disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement.
7. Limitation of Liability
7.1 Liability Limits
To the fullest extent permitted by law, SI shall not be liable for any indirect, incidental, consequential, or punitive damages resulting from your use of our website or services.
7.2 Maximum Liability
Our total liability to you shall not exceed $100 or the amount you paid for services, whichever is lower.
8. Compliance with Communication Laws (A2P, TCPA, CAN-SPAM)
8.1 SMS Messaging & Consent
By providing your phone number and opting in, you agree to receive SMS text messages from SI. These may include:
Appointment reminders
Policy updates
Application or quote follow-ups
Customer service communications
Marketing or promotional messages
Message frequency varies.
You may opt out at any time by replying “STOP.”
For help, reply “HELP.”
8.2 Message & Data Rate Disclosure
Message and data rates may apply depending on your carrier and mobile plan.
You are responsible for any fees related to receiving text messages.
8.3 Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
Message delivery depends on your wireless carrier and network performance.
8.4 CAN-SPAM Email Compliance
Marketing emails sent by SI will always include a way to unsubscribe.
8.5 Age Requirement
By using our services and opting into SMS communications, you confirm you are 18 years or older.
8.6 Link to Privacy Policy
For full details on how we collect, store, and use your information, please review our Privacy Policy:
https://www.swaninsurancellc.com/privacy299811
9. Third-Party Links
Our website may contain links to third-party websites. SI does not control and is not responsible for their content, security, or privacy practices.
10. Termination of Use
We may terminate or restrict access to our website or services at any time, without notice, for any reason.
11. Indemnification
You agree to indemnify and hold harmless SI, its employees, officers, and affiliates from any claims, liabilities, damages, or expenses arising from your use of our website or violation of these Terms.
12. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
13. Entire Agreement
These Terms constitute the entire agreement between you and SI and supersede all prior agreements or understandings.
14. Updates to Terms
We may update these Terms at any time. Continued use of the site indicates acceptance of revised terms.