Terms and Conditions

Acceptance of These Terms

Welcome to Preferred Insurance Network Inc. (“Pini Insurance,” “we,” “our,” or “us”).

These Terms and Conditions (“Terms“) govern your access to and use of https://piniinsurance.com, including all pages, quote request forms, applications, online tools, customer portals, and related services (collectively, the “Site“).

By accessing or using this Site, you agree to be legally bound by these Terms. If you do not agree with these Terms, please discontinue use of the Site.

About Pini Insurance

Pini Insurance is a licensed independent nation wide insurance agency that provides insurance products and services through licensed insurance carriers.

When you submit a request through this website, you are communicating directly with Pini Insurance.

Pini Insurance reviews and services all quote requests submitted through this Site. We do not operate a third-party lead generation service, nor do we sell or distribute consumer leads to other businesses.

Insurance products remain subject to underwriting approval and carrier eligibility requirements.

Use of the Website

The Site is intended to:

• Provide information about insurance products and services
• Allow prospective customers to request insurance quotes
• Allow customers to communicate directly with licensed Pini Insurance representatives
• Provide customer service resources
• Offer policy servicing assistance
• Provide educational information regarding insurance products

You agree to use the Site only for lawful purposes.

You agree not to:

• Violate any applicable law or regulation
• Attempt unauthorized access to any system
• Upload malicious software
• Interfere with website functionality
• Misrepresent your identity
• Submit fraudulent information
• Use automated systems to access the Site without authorization

Insurance Quotes

Information submitted through this Site is used solely to evaluate insurance eligibility and provide insurance quotations.

Submission of a quote request does not constitute:

• Insurance coverage
• An insurance binder
• Acceptance of risk
• Policy issuance
• Guaranteed pricing
• Guaranteed eligibility

All insurance products remain subject to:

• Underwriting
• Carrier approval
• Applicable laws
• Policy terms
• Exclusions
• Conditions
• Limitations

Premiums and coverage may change after review by the applicable insurance carrier.

User Responsibilities

By submitting information through this Site, you certify that:

• All information provided is accurate.
• You are authorized to provide the information submitted.
• You will promptly notify us if information changes.

You understand inaccurate information may affect insurance eligibility or pricing.

Electronic Communications

By communicating with Pini Insurance electronically, you consent to receive communications electronically, including:

• Email
• Telephone calls
• SMS text messages (where consent has been provided)
• Customer portal notifications
• Electronic documents

Electronic communications satisfy any legal requirement that such communications be provided in writing.

SMS Terms

If you voluntarily provide your mobile telephone number and expressly consent to receive SMS communications, Pini Insurance may send text messages regarding:

• Insurance quotes
• Policy servicing
• Appointment reminders
• Renewal reminders
• Claims assistance
• Customer support
• Billing notifications
• Account updates

If separately authorized, promotional messages regarding insurance products and services may also be sent.

Message frequency varies. Message and data rates may apply. Reply: STOP to unsubscribe. Reply: HELP for assistance.

Consent to receive marketing text messages is not required as a condition of purchasing insurance or receiving services.

Wireless carriers are not responsible for delayed or undelivered messages.

Privacy

Your use of the Site is also governed by our Privacy Policy.

Our Privacy Policy explains how personal information is collected, used, stored, protected, and disclosed.

By using this Site, you acknowledge that you have reviewed the Privacy Policy.

Intellectual Property

All materials contained on this Site, including but not limited to: text, graphics, logos, trademarks, icons, software, forms, layouts, images, databases, downloadable materials are owned by or licensed to Pini Insurance and are protected by United States copyright, trademark, and intellectual property laws.

No material may be copied, reproduced, distributed, modified, republished, or otherwise used without prior written permission except for personal, non-commercial use.

Third-Party Services

Our Site may contain links to third-party websites, insurance carriers, payment providers, customer portals, or other external resources.

Pini Insurance is not responsible for:

• Third-party content
• Privacy practices
• Availability
• Security
• Accuracy

Use of third-party services is at your own risk.

Disclaimer of Warranties

This Site and all information made available through it are provided on an “AS IS” and “AS AVAILABLE” basis.

To the fullest extent permitted by law, Pini Insurance disclaims all warranties, whether express or implied, including but not limited to: merchantability, fitness for a particular purpose, accuracy, availability, uninterrupted service, non-infringement.

We do not guarantee that:

• the Site will always be available;
• the Site will be free from errors;
• the Site will always be secure; or
• information will always remain current.

Limitation of Liability

To the fullest extent permitted by law, Pini Insurance, its affiliates, officers, directors, employees, contractors, representatives, licensors, and partners shall not be liable for any: indirect damages, incidental damages, consequential damages, punitive damages, special damages, lost profits, lost business opportunities, data loss arising out of or relating to the use of this Site.

If liability cannot be excluded by law, our total liability shall not exceed the amount paid by you, if any, for use of the Site.

Indemnification

You agree to defend, indemnify, and hold harmless Pini Insurance, its affiliates, officers, directors, employees, agents, licensors, and partners from and against any claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• Your use of the Site;
• Your violation of these Terms;
• Your violation of any law or regulation; or
• Your submission of false, inaccurate, or misleading information.

Suspension or Termination

We reserve the right, without prior notice, to suspend, restrict, or terminate access to the Site whenever we determine that a user has:

• violated these Terms;
• attempted unauthorized access;
• engaged in fraudulent activity;
• interfered with Site operations; or
• acted in a manner that could harm Pini Insurance or other users.

Force Majeure

Pini Insurance shall not be liable for any delay or failure to perform resulting from events beyond our reasonable control, including but not limited to: natural disasters, hurricanes, floods, fires, power outages, internet failures, cyberattacks, governmental actions, labor disputes, acts of terrorism, pandemics.

Governing Law

These Terms shall be governed exclusively by the laws of the State of Florida, without regard to conflict of law principles.

Any dispute arising from these Terms or the use of the Site shall be resolved in the appropriate state or federal courts located in the State of Florida.

Severability

If any provision of these Terms is found unenforceable or invalid, the remaining provisions shall continue in full force and effect.

Waiver

Failure by Pini Insurance to enforce any provision of these Terms shall not constitute a waiver of any future enforcement of that provision or any other provision.

Entire Agreement

These Terms, together with our Privacy Policy and any additional legal notices published on the Site, constitute the entire agreement between you and Pini Insurance regarding use of the Site.

Changes to These Terms

We reserve the right to modify these Terms at any time.

Any revisions will become effective immediately upon posting the updated version on this Site.

Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

Contact Information

Pini Insurance

14380 SW 139th Ct Miami, FL 33186

Phone: (305) 971-9776

Email: info@piniinsurance.com

Website: https://piniinsurance.com