1. Acceptance
By using this site, you accept these Terms & Conditions and applicable laws. If you disagree, stop using the site.
2. Site purpose
The site provides general insurance information and facilitates contact, quote requests, appointments, and forms. Content does not guarantee eligibility, approval, pricing, benefits, policy issuance, or effective coverage.
3. Permitted use
Use the site lawfully and provide accurate information when requesting service.
- Do not attempt to access areas, data, or systems without authorization.
- Do not interfere with site security, availability, or operation.
- Do not use RIA INSURANCE GROUP content or identity commercially without written authorization.
4. Quotes, applications, and coverage
Submitting a form, scheduling an appointment, or receiving a quote does not create an insurance contract or confirm coverage. Official insurer documents establish terms, prices, benefits, exclusions, and effective dates.
5. Intellectual property
Site text, logos, designs, graphics, and other content belong to RIA INSURANCE GROUP or are used with authorization. They may not be copied, modified, or distributed commercially without prior permission except as allowed by law.
6. Third-party services and links
Some forms, appointments, electronic signatures, or resources may be provided by third parties and subject to additional terms and policies. RIA INSURANCE GROUP does not control external-site availability or content.
7. Availability and liability
The site is provided as available. To the extent permitted by law, RIA INSURANCE GROUP does not guarantee continuous access and is not responsible for indirect or consequential damages from site use or exclusive reliance on general content.
8. Privacy
Our Privacy & Cookies Policy describes how personal information related to the site is handled.
9. Changes
We may change the site and these terms. The current version and update date will be posted here.
10. Governing law
These terms are governed by Florida law, without regard to conflict-of-law rules. Disputes will be brought before competent courts unless applicable law requires otherwise.
11. Contact
For questions about these terms, contact RIA INSURANCE GROUP, INC. through the Contact Us page.