These Terms of Service govern your use of TozziInsured services and your relationship with us as a policyholder or prospective client. Please read these terms carefully before using our services.
By accessing our website, creating an account, requesting a quote, or purchasing an insurance policy through TozziInsured, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.
To use TozziInsured services, you must be at least 18 years old and legally capable of entering into binding contracts. By creating an account, you represent and warrant that all information you provide is accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
All insurance policies issued by TozziInsured are subject to the specific terms, conditions, exclusions, and limitations outlined in your policy documents. These Terms of Service do not supersede or modify the terms of your insurance policy.
Coverage is subject to underwriting approval. We reserve the right to decline coverage, modify terms, or cancel policies in accordance with applicable law and the terms of your policy. Premium rates are determined based on underwriting criteria and may be adjusted upon policy renewal.
Claims must be filed in accordance with the procedures outlined in your policy documents. We are committed to processing claims promptly and fairly, but we reserve the right to investigate all claims and deny coverage for claims that do not meet policy terms or involve fraudulent activity.
Premium payments are due according to the payment schedule outlined in your policy documents. Failure to pay premiums by the due date may result in policy cancellation. We accept payment via credit card, debit card, and electronic bank transfer.
By providing payment information, you authorize TozziInsured to charge the specified payment method for all premiums and fees associated with your policy. You agree to maintain valid payment information on file and to notify us immediately of any changes.
All fees are non-refundable except as required by law or as specified in your policy documents. If you cancel your policy, any refund of unearned premium will be calculated in accordance with the terms of your policy and applicable law.
You agree to provide accurate and truthful information when applying for insurance coverage. Any misrepresentation, omission, or concealment of material facts may result in denial of coverage, cancellation of your policy, or denial of claims.
You agree to comply with all policy terms and conditions, including any obligations to notify us of changes in risk, maintain property in good condition, and cooperate with claims investigations.
You agree not to use our website or services for any unlawful purpose or in any way that could damage, disable, or impair our services. You agree not to attempt to gain unauthorized access to our systems or networks.
All content on the TozziInsured website, including text, graphics, logos, images, software, and other materials, is the property of TozziInsured or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on our website without our express written permission. You may print or download content solely for personal, non-commercial use.
To the fullest extent permitted by law, TozziInsured shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or in connection with your use of our services.
Our total liability to you for any claims arising out of or related to these Terms of Service or your use of our services shall not exceed the amount of premiums you have paid to us in the twelve months preceding the claim.
Nothing in these terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be limited or excluded by law.
You agree to indemnify, defend, and hold harmless TozziInsured and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in connection with your use of our services, your violation of these Terms of Service, or your violation of any rights of another party.
Any dispute, claim, or controversy arising out of or relating to these Terms of Service or your use of TozziInsured services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.
Arbitration shall be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
You agree to waive your right to participate in a class action lawsuit or class-wide arbitration. All claims must be brought in your individual capacity and not as a representative of a class.
These Terms of Service and your use of TozziInsured services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
These Terms of Service, together with your insurance policy documents and our Privacy Policy, constitute the entire agreement between you and TozziInsured regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.
If you have any questions about these Terms of Service, please contact us at [email protected] or call +1 (650) 249-2889. You may also write to us at 4830 W Kennedy Blvd, Tampa, FL 33609.