Open Access Insurance Terms and Conditions

Welcome to OpenAccessInsurance.com. These Terms and Conditions (“Terms”) govern your access to and use of this website and the services provided through it by Open Access Insurance, LLC (“Open Access Insurance,” “we,” “us,” or “our”).

By accessing or using this website, submitting a request for information, or otherwise using our services, you agree to these Terms. If you do not agree with these Terms, please do not use the website.

Open Access Insurance provides insurance-related information and connects consumers with licensed insurance agents who can discuss insurance products and coverage options that may be available to them.

Information presented on this website is intended for general informational purposes and does not itself constitute an insurance contract, guarantee of coverage, or guarantee of eligibility for any particular product or benefit.

Insurance products, benefits, premiums, eligibility requirements, exclusions, limitations, and availability may vary by carrier, policy, location, and individual circumstances. Any insurance coverage ultimately selected by a consumer is governed by the applicable insurance policy and carrier documentation.

You may use forms on our website to request information concerning insurance products or services.

When submitting information through the website, you agree that the information you provide is accurate to the best of your knowledge.

Submitting a request for information does not obligate you to purchase an insurance product and does not guarantee that any particular insurance product is available or appropriate for you.

If you provide a telephone number and request or otherwise consent to telephone contact, Open Access Insurance or its representatives may contact you regarding your inquiry, insurance products, or services.

Telephone communication is separate from consent to participate in our recurring SMS marketing program. You are not required to consent to marketing text messages as a condition of requesting information or purchasing any product or service.

Open Access Insurance offers an optional recurring text messaging program through which consumers who expressly opt in may receive SMS or text messages regarding insurance products, services, coverage options, educational information, reminders, and promotional or marketing communications from Open Access Insurance.

Participation in the SMS program is voluntary.

By affirmatively opting in to the Open Access Insurance SMS marketing program and providing your mobile telephone number, you authorize Open Access Insurance to send recurring automated marketing text messages to the mobile number you provided.

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

Message frequency varies depending on your interactions with Open Access Insurance, your requests, and the applicable campaign.

Message and data rates may apply.

Your wireless carrier's normal messaging, data, and other rates may apply to messages sent or received as part of the program. You are responsible for any charges imposed by your wireless provider.

You may withdraw your consent and stop receiving text messages from the applicable Open Access Insurance messaging program at any time.

Reply STOP to any Open Access Insurance text message to opt out.

After submitting a STOP request, you may receive a confirmation message acknowledging your unsubscribe request. After your opt-out has been processed, you will no longer receive recurring messages from that messaging program unless you subsequently provide new consent to receive them.

Other commonly recognized opt-out requests may also be honored where supported by our messaging platform.

Reply HELP to an Open Access Insurance text message for assistance.

You may also contact us at:

Email: support@openaccessinsurance.com
Phone: 813-686-2511

Text message delivery is subject to effective transmission by your wireless service provider and network availability. Delivery of any particular message is not guaranteed.

Wireless carriers are not liable for delayed or undelivered messages.

Open Access Insurance is not responsible for delays or failures in message delivery caused by circumstances outside our reasonable control, including wireless carrier or network interruptions.

If you discontinue, transfer, or change ownership of a mobile telephone number that you previously enrolled in our messaging program, you should opt out before relinquishing that number or contact us so that our records can be updated.

Your participation in our SMS program is subject to our Privacy Policy.

Open Access Insurance does not sell or share text messaging originator opt-in data or SMS consent with third parties or affiliates for their own marketing or promotional purposes.

Additional information concerning our collection, use, and protection of personal information is available in our Privacy Policy:

https://openaccessinsurance.com/privacy-policy

When you communicate with us electronically, including through website forms, email, or text messaging where you have provided appropriate consent, you agree that communications we provide electronically may satisfy applicable requirements that such communications be provided in writing, to the extent permitted by law.

We make reasonable efforts to provide accurate and current information on our website. However, insurance products, regulations, carrier offerings, service areas, and other information may change.

We do not warrant that all website information will always be complete, current, or error-free.

Consumers should confirm material insurance product information with a licensed insurance agent and review the applicable carrier and policy documents before making enrollment or coverage decisions.

Open Access Insurance may provide information concerning products offered by third-party insurance carriers.

Those carriers are separate entities and may maintain their own terms, privacy policies, underwriting standards, eligibility requirements, networks, formularies, benefit structures, and other conditions.

Open Access Insurance is not responsible for the acts, omissions, websites, systems, or policies of unaffiliated third parties except as otherwise required by applicable law.

Our website may contain links to websites or services operated by third parties.

Providing a link does not necessarily constitute an endorsement of the third-party website, its operators, or its content. We are not responsible for the content, security, availability, or privacy practices of third-party websites.

You agree not to misuse this website or its services.

You may not knowingly:

• provide false or fraudulent information; 
• attempt to gain unauthorized access to our systems; 
• interfere with the operation or security of the website; 
• introduce malicious software or code; 
• use automated systems to abuse website functionality; or 
• use the website in violation of applicable law. 

Unless otherwise indicated, website content owned by Open Access Insurance, including text, graphics, logos, design elements, and other original materials, is protected by applicable intellectual-property laws.

Nothing in these Terms grants you ownership of Open Access Insurance intellectual property.

You may use the website and its content for lawful personal purposes consistent with these Terms.

Submission of information through our website does not create insurance coverage.

Coverage becomes effective only as provided by the applicable insurance carrier and governing policy, enrollment, or plan documentation.

Open Access Insurance does not guarantee that an applicant will qualify for, be eligible for, or be enrolled in any particular insurance product.

Open Access Insurance is not Medicare or a government agency.

We do not offer every plan available in every area. Information we provide is limited to the plans and products that we are authorized to offer. Consumers seeking information about all available Medicare options may contact Medicare directly at 1-800-MEDICARE or visit Medicare.gov.

To the extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis.

Open Access Insurance makes no warranty that access to the website will be uninterrupted, error-free, or free from harmful components.

Nothing in this section limits any rights or warranties that cannot lawfully be excluded.

To the extent permitted by applicable law, Open Access Insurance will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from your use of, or inability to use, the website.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by applicable law.

We may modify these Terms from time to time.

When we make changes, we may update the “Last Updated” date shown at the top of this page. Updated Terms will become effective when posted unless otherwise stated or required by applicable law.

Your continued use of the website after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law.

Changes to our SMS program will not override any consent requirements imposed by applicable law or industry standards.

Your use of the website is also subject to the Open Access Insurance Privacy Policy.

You can review the Privacy Policy at:

https://openaccessinsurance.com/privacy-policy

Questions concerning these Terms, our website, or our text messaging program may be directed to:

Open Access Insurance, LLC
27251 Wesley Chapel Blvd Ste 222
Wesley Chapel, FL 33545
United States

Email: support@openaccessinsurance.com
Phone: 813-686-2511