Clear terms.
Confident decisions.

01 Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of azooinsurance.com (the "Website").

"Azoo Insurance," "we," "us," and "our" refer to the business operating this Website. "You" and "your" refer to visitors and users.

By using the Website, you acknowledge these Terms. Additional terms may apply to particular services, insurance products, applications, or agreements. Where specific terms apply, they will govern the relevant service to the extent stated and permitted by law.

02 Website Purpose and Information

The Website may provide general information about insurance options and ways to contact us. Content is intended for general informational purposes and may not address your individual circumstances.

We aim to keep information useful and current but do not guarantee that every page will always be complete, accurate, up to date, available, or free from errors.

Website content is not a substitute for reviewing official policy documents, required disclosures, or advice from a qualified professional who understands your circumstances.

03 Eligibility and Acceptable Use

You agree to use the Website lawfully and in accordance with these Terms. If you use it on behalf of an organization, you represent that you are authorized to do so.

You must not:

• Use the Website for unlawful, fraudulent, deceptive, or harmful purposes.
• Attempt unauthorized access to our systems, accounts, or data.
• Interfere with the security, operation, or availability of the Website.
• Upload malicious code or attempt to introduce harmful software.
• Collect information through automated methods in ways that violate applicable law or our rights.
• Misrepresent your identity or knowingly submit false or misleading information.
• Use Website content in a manner that infringes another person's rights.

04 Information You Provide

If you contact us or submit an inquiry, you agree to provide information that is accurate to the best of your knowledge and to correct it when reasonably necessary.

You must have appropriate authority or a lawful basis before submitting another person's personal information. Avoid sending sensitive financial, identity, or medical information through general website messages unless requested through an appropriate secure process.

Sending an inquiry does not guarantee that we will provide a particular service, quote, product, or insurance policy.

05 Insurance Information Disclaimer

Information on this Website is general in nature. It does not, by itself, constitute an insurance contract, binder, certificate of insurance, guarantee of coverage, or confirmation that a claim will be paid.

Availability, eligibility, premiums, exclusions, deductibles, coverage limits, and other conditions depend on the applicable insurer, policy wording, underwriting requirements, individual circumstances, and applicable law.

Nothing on this Website changes the terms of an issued insurance policy. The applicable policy documents and agreements govern the coverage provided.

References to particular types of insurance do not guarantee that every product is available in every location or to every person.

06 Quotes, Applications and Coverage

Any quote, estimate, or preliminary information provided through the Website or in response to an inquiry may be subject to confirmation, underwriting, and applicable eligibility requirements.

• A quote request does not automatically create insurance coverage.
• A preliminary estimate may differ from the final premium or offer.
• Coverage begins only when properly confirmed by the applicable insurer or authorized party in accordance with the relevant agreement.
• You are responsible for reviewing policy terms, exclusions, limits, deductibles, and conditions before accepting coverage.
• You must provide complete and accurate information in any application or related transaction.

Do not rely on a call, email, website statement, or preliminary estimate as proof of coverage unless the appropriate insurer or authorized representative confirms coverage in the required manner.

07 Communications

When contacting us, you agree to communicate lawfully and respectfully and not to send threatening, fraudulent, abusive, or knowingly misleading messages.

We may use the contact details you provide to respond to your inquiry and send relevant service-related communications, subject to our Privacy Policy and applicable law. Marketing communications will be handled in accordance with applicable consent and opt-out requirements.

You are responsible for the security of your own devices, accounts, and communications.

08 Intellectual Property

Unless otherwise stated, the Website's design, text, graphics, logos, branding, and other materials are owned by or licensed to the relevant rights holder and protected by applicable law.

You may view Website content for personal, lawful, informational purposes. You may not reproduce, republish, distribute, modify, sell, or commercially exploit Website materials without permission, except where permitted by law.

Third-party names, logos, and marks remain the property of their respective owners.

09 Third-Party Websites and Services

The Website may link to external websites, platforms, insurers, or service providers for convenience or additional information.

Third-party services operate under their own terms and policies. Unless expressly stated otherwise, we do not control and are not responsible for third-party content, availability, security, products, or services.

Accessing an external website is at your discretion. Review its terms and privacy policy before using the service or sharing personal information.

10 Limitation of Liability

To the maximum extent permitted by applicable law, Azoo Insurance and the parties involved in operating the Website will not be liable for indirect, incidental, special, consequential, exemplary, or punitive losses arising from your use of, or inability to use, the Website.

This may include loss of data, business opportunities, revenue, profits, or losses resulting from reliance on general Website information, interruptions, technical errors, or third-party websites.

The Website is provided on an "as available" basis. To the extent permitted by law, we do not warrant that it will always be uninterrupted, error-free, secure, or free from harmful components.

Nothing in these Terms excludes or limits any liability, warranty, or right that cannot legally be excluded or limited. Mandatory consumer protections and other applicable legal requirements continue to apply.

11 Indemnification

To the extent permitted by applicable law, you may be responsible for losses, claims, liabilities, and reasonable expenses arising from your unlawful use of the Website, material violation of these Terms, or infringement of another person's rights.

This provision does not apply where such an obligation is prohibited by law or to the extent that you cannot legally be held responsible for the relevant conduct.

12 Privacy and Personal Information

Your use of the Website may involve the collection or processing of personal information. Our handling of such information is described in our Privacy Policy.

Please review our Privacy Policy for information about data collection, use, disclosure, and applicable privacy choices.

13 Website Availability and Access

We may update, suspend, restrict, or discontinue all or part of the Website for maintenance, security, operational reasons, legal compliance, or to address misuse.

We do not guarantee uninterrupted access. Where appropriate and legally required, we will take reasonable steps to provide notice of material changes or interruptions.

14 Governing Law and Disputes

These Terms are subject to the applicable laws and regulations governing the business operating the Website and the services offered. Any dispute will be handled by a court or other forum with appropriate jurisdiction, subject to mandatory legal protections and any valid agreement applicable to the dispute.

The appropriate governing law and jurisdiction must be confirmed based on the legal entity operating Azoo Insurance and the locations where it provides services before this section is finalized for publication.

15 Changes to These Terms

We may revise these Terms to reflect changes to the Website, our services, business practices, or legal requirements.

Updated Terms will be posted on this page with a revised "Last updated" date. Where required by law, we will provide additional notice or obtain agreement to material changes.

Continued use of the Website after revised Terms are posted indicates acceptance only to the extent recognized under applicable law.

16 Contact Us

If you have questions about these Terms & Conditions or the use of our Website, contact Azoo Insurance using the phone number below.

Website: azooinsurance.com