Welcome to Pini Insurance. These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://piniinsurance.com/ and any related pages, forms, tools, and services made available through the website (collectively, the “Site”).

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

Use of the Site

The Site is provided for general informational, marketing, and lead generation purposes related to insurance products and services offered through Pini Insurance and its affiliated insurance partners.

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use of the Site by any other person.

You may not:

• Use the Site in violation of any applicable law or regulation.
• Attempt to gain unauthorized access to the Site, servers, or connected systems.
• Interfere with the Site’s operation, security, or functionality.
• Submit false, misleading, or incomplete information through any form on the Site.

No Guarantee of Coverage, Pricing, or Eligibility

Any quote request, estimate, rate indication, or other information provided through this Site is for informational purposes only and does not constitute a binder, policy, guarantee of coverage, guarantee of price, or final offer of insurance.

All insurance products are subject to underwriting approval, eligibility requirements, policy terms, conditions, exclusions, limitations, carrier guidelines, and applicable law. Final coverage availability and premium amounts may vary based on the information provided and carrier review.

No Professional, Legal, or Financial Advice

The content on this Site is provided for general informational purposes only and should not be construed as legal, tax, financial, or other professional advice. You should consult the appropriate licensed professional regarding your specific situation.

User Submissions

When you submit information through our forms, including quote request forms, contact forms, or other interactive features, you represent that:

• The information you provide is true, accurate, and complete to the best of your knowledge.
• You have the authority to provide that information.
• You understand that we may use that information to contact you, evaluate your request, and connect you with appropriate insurance products or carrier partners, in accordance with our Privacy Policy.

We reserve the right to reject, suspend, or delete submissions that are inaccurate, fraudulent, unlawful, abusive, or otherwise inappropriate.

Consent to Electronic Communications

By using this Site and providing your contact information, you agree that Pini Insurance may contact you electronically, including by email, phone call, and text message, for customer service, quote processing, appointment coordination, and marketing purposes, where permitted by law and consistent with your consent choices.

You may opt out of marketing emails by using the unsubscribe link included in those communications. You may opt out of SMS communications by replying STOP, subject to applicable law and operational requirements. Electronic records and communications may satisfy legal requirements that such communications be in writing.

Privacy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, share, and protect personal information. By using the Site, you acknowledge that you have read and understood our Privacy Policy.

Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, icons, images, forms, design elements, software, and other materials, as well as the selection, arrangement, and overall presentation of such content, is owned by or licensed to Pini Insurance and is protected by applicable copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, republish, upload, post, transmit, distribute, modify, or create derivative works from any material on the Site without prior written permission, except for personal, non-commercial use that does not remove proprietary notices.

Third-Party Links and Services

The Site may contain links to third-party websites, platforms, or services that are not owned or controlled by Pini Insurance. We are not responsible for the content, terms, privacy practices, availability, or business practices of any third-party site or service.

Your interactions with third parties are solely between you and that third party. We encourage you to review their applicable terms and privacy policies before engaging with them.

Disclaimer of Warranties

The Site and all content, materials, and services made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the fullest extent permitted by applicable law.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free.
• The Site or its servers will be free from viruses or other harmful components.
• Any information on the Site is complete, accurate, or current at all times.

This type of “as is” disclaimer is a standard approach also reflected in Florida government website terms.

Limitation of Liability

To the fullest extent permitted by law, Pini Insurance, its affiliates, officers, directors, employees, agents, licensors, and partners shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or business opportunities arising out of or related to your use of, or inability to use, the Site.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Site shall be limited to the amount, if any, you paid to use the Site, which in most cases will be zero.

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, in our sole discretion, to suspend, restrict, or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms, is harmful to other users, to us, or to third parties, or is otherwise inappropriate.

Any provisions of these Terms that by their nature should survive termination shall survive, including without limitation ownership, disclaimers, limitations of liability, indemnification, governing law, and dispute-related provisions.

Governing Law

These Terms and any dispute arising out of or relating to the Site shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Changes to These Terms

We may update or revise these Terms from time to time. When we do, we will post the updated version on this page and update the “Last updated” date above. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms.

Because the FTC has taken interest in situations where companies quietly change important online terms or privacy promises, it is better practice to update terms transparently and keep the effective date visible.

Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Pini Insurance
14380 SW 139th Ct, Miami, FL 33186
Phone: +1 (305) 971-9776
Email: info@piniinsurance.com