Terms of Service

Last updated: January 30, 2025

Acceptance of Terms

By accessing and using the More Than Insurance website (mtisales.com) and our services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Services

More Than Insurance ("MTI Sales") is an insurance brokerage that provides:

• Insurance quotes and comparisons from multiple carriers
• Insurance consultation and advice
• Assistance with insurance applications and claims
• Bilingual customer service in English and Spanish

Quote Calculator and Estimates

Our website provides insurance quote calculators that generate rough estimates based on the information you provide. These estimates are:

• Not binding quotes or guarantees of coverage
• Subject to underwriting approval by insurance carriers
• Based on limited information and may change upon full application
• For informational purposes only

Final insurance rates and coverage are determined solely by the insurance carriers after full underwriting review.

User Responsibilities

As a user of our website and services, you agree to:

• Provide accurate and complete information in all forms and communications
• Update us promptly of any changes to your information
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not engage in any activity that could damage, disable, or impair our website

Prohibited Uses

You may not use our website or services to:

• Submit false, misleading, or fraudulent information
• Violate any applicable laws or regulations
• Transmit viruses, malware, or other harmful code
• Engage in automated data collection (scraping) without permission
• Use our services for commercial purposes without authorization
• Harass, abuse, or harm other users or our staff

Limitation of Liability

To the fullest extent permitted by law, More Than Insurance shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Denial of coverage or claims by insurance carriers
• Delays in processing applications or quotes
• Technical issues or interruptions to our website
• Actions or omissions of third-party insurance carriers

Our total liability shall not exceed the amount of fees paid to us by you, if any.

Disclaimers

Our website and services are provided "as is" without warranties of any kind. We do not guarantee:

• That insurance coverage will be approved or available
• The accuracy of quotes or estimates provided
• Uninterrupted or error-free operation of our website
• That our services will meet your specific needs

Indemnification

You agree to indemnify and hold harmless More Than Insurance from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of More Than Insurance or its licensors and is protected by copyright and other intellectual property laws.

Governing Law and Jurisdiction

These terms shall be governed by and construed in accordance with the laws of the State of Florida. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in Orange County, Florida.

Modifications

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes constitutes acceptance of the new terms.

Termination

We may terminate or suspend your access to our services at any time, without prior notice, for conduct that we believe violates these terms or is harmful to other users or our business.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us: