Terms and Conditions

Effective on: 03/25/2026

Welcome to our website. This site is maintained as a service to our customers. By using this site, you agree to comply with and be bound by the following terms and conditions of use. Please review these terms and conditions carefully. If you do not agree to these terms and conditions, you should not use this site.

1. Agreement. This Terms and Conditions agreement (the "Agreement") specifies the Terms and Conditions for access to and use of Elite Insurance Advisors LLC ([email protected]) (the "Website" or "Site") and describes the terms and conditions applicable to your access of and use of the Website. This Agreement may be modified at any time by Elite Insurance Advisors LLC upon posting of the modified Agreement. Any such modifications shall be effective immediately. You can view the most recent version of these terms at any time at the Website. Each use by you shall constitute and be deemed your unconditional acceptance of this Agreement.

2. Privacy. Your visit to our site is also governed by our Privacy Policy. Please review our Privacy Policy at the Website.

3. Ownership. All content included on this site is and shall continue to be the property of Elite Insurance Advisors LLC or its content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use or publication by you of any such content or any part of the Website is prohibited, except as expressly permitted in this Agreement. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Website.

4. Intended Audience. This site is intended for adults only. This site is not intended for any children under the age of 13.

5. Trademarks. The name Elite Insurance Advisors LLC, logos, domain names, service marks, and any other distinctive brand features are either trademarks or registered trademarks of Elite Insurance Advisors LLC. Other product and company names mentioned on this Website may be trademarks of their respective owners.

6. Site Use. Elite Insurance Advisors LLC grants you a limited, revocable, nonexclusive license to use this site solely for your own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. You agree not to copy materials on the site, reverse engineer or break into the site, or use materials, products or services in violation of any law. The use of the Website is at the discretion of Elite Insurance Advisors LLC, and Elite Insurance Advisors LLC may terminate your use of the Website at any time.

You must establish a profile to use many features on the Website and may be required to enter information such as a username and password, name, date of birth, gender, email address, zip code, and country. You ("User") are fully responsible for maintaining the confidentiality of the username and password, and for all activities that occur under that username. All users agree to: (a) immediately notify Elite Insurance Advisors LLC of any unauthorized use of their username or password or any other breach of security, and (b) ensure that they exit from their account at the end of each session. Elite Insurance Advisors LLC cannot and will not be liable for any loss or damage arising from failure to comply with this Agreement.

7. SMS/Text Messaging Terms. By opting in to receive SMS/text messages from Elite Insurance Advisors LLC, you agree to the following terms:

(a) Consent. By providing your mobile phone number and opting in, you expressly consent to receive SMS/text messages from Elite Insurance Advisors LLC. These messages may include appointment reminders, policy updates, insurance quotes, customer service communications, and promotional messages related to our insurance services.

(b) Message Frequency. Message frequency may vary depending on your interactions with us and the services you use.

(c) Message and Data Rates. Message and data rates may apply. Elite Insurance Advisors LLC is not responsible for any charges from your mobile carrier.

(d) Opt-Out. You may opt out of receiving SMS/text messages at any time by replying STOP to any message. Upon receiving your STOP request, we will send a final confirmation message and cease all further SMS/text communications to your number.

(e) Help. For assistance, reply HELP to any message or contact us at [email protected].

(f) No Sharing of Phone Numbers. Your phone number and any data collected through SMS/text messaging will NOT be sold, rented, leased, shared, or disclosed to any third party for their own marketing or promotional purposes. Phone numbers are used exclusively by Elite Insurance Advisors LLC for the purposes described herein.

(g) Consent Not Required for Purchase. Your consent to receive SMS/text messages is not a condition of purchasing any goods, services, or insurance products from Elite Insurance Advisors LLC.

(h) Supported Carriers. Carriers are not liable for delayed or undelivered messages. Compatible with most major U.S. carriers.

(i) Age Requirement. You must be at least 18 years of age to opt in to SMS/text messaging services.

8. Endorsement & Third-Party Sites. The site contains hyperlinks to other Internet sites and services not under the editorial control of Elite Insurance Advisors LLC. These hyperlinks are not expressed or implied endorsements or approvals by Elite Insurance Advisors LLC of any products, services or information available from these third-party sites.

All content from these links or sites is the sole responsibility of those third parties, and Elite Insurance Advisors LLC is not responsible for the accuracy or details of those third-party sites. Any information published by Elite Insurance Advisors LLC pertaining to these sites or services is believed to be accurate at the time of publication but should be verified independent of this Website.

Elite Insurance Advisors LLC MAY RECEIVE A FEE AND/OR OTHER COMPENSATION ON SOME CLICKS OR PURCHASES MADE ON OR LINKED THROUGH THIS WEBSITE, THROUGH AN ARRANGEMENT IT HAS WITH A THIRD PARTY IF YOU (i) CLICK ON CERTAIN LINKS ON OUR SITE, EMAILS OR NEWSLETTERS, OR (ii) PURCHASE A PRODUCT OR SERVICE AFTER CLICKING A LINK.

Elite Insurance Advisors LLC does not directly sell or license any of the products related to the third-party websites or links, and Elite Insurance Advisors LLC disclaims any responsibility for or liability related to them. Elite Insurance Advisors LLC does not supervise contact between Users and third parties. Information you share with third party websites should be limited consistent with our Privacy Policy, and Elite Insurance Advisors LLC is not responsible for financial or payment details based on any activity between the User and a third party.

9. Compliance with Laws. You agree to comply with all applicable laws regarding your use of the Website. You further agree that information provided by you is truthful and accurate to the best of your knowledge.

Users agree not to: (a) upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable; (b) harm minors in any way; (c) impersonate any person or entity, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Website; (e) upload, post or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements); (f) upload, post or otherwise make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party; (g) upload, post or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (h) interfere with or disrupt the Website or servers or networks connected to the Website.

Elite Insurance Advisors LLC reserves the right to suspend or delete your account if you fail to comply with any of the provisions of this Agreement.

10. Indemnification. You agree to indemnify, defend and hold Elite Insurance Advisors LLC and our partners, employees, and affiliates, harmless from any liability, loss, claim and expense, including reasonable attorney's fees, related to your violation of this Agreement or use of the Site.

11. Disclaimer. THE INFORMATION ON THIS SITE IS PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS. YOU AGREE THAT USE OF THIS SITE IS AT YOUR SOLE RISK. Elite Insurance Advisors LLC DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE EXTENT YOUR JURISDICTION DOES NOT ALLOW LIMITATIONS ON WARRANTIES, THIS LIMITATION MAY NOT APPLY TO YOU. YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THE SITE SHALL BE TO DISCONTINUE USING THE SITE.

12. Limitation of Liability. UNDER NO CIRCUMSTANCES WILL Elite Insurance Advisors LLC BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY RELATING TO THE SITE, YOUR SITE USE, OR THE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES ANY POTENTIAL DAMAGES ARISING FROM CONTACT WITH OTHER PARTIES THROUGH THIS SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT IS TO CEASE ALL OF YOUR SITE USE.

You may have additional rights under certain laws (including consumer laws) which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in this Agreement that directly conflict with such laws may not apply to you.

13. Use of Information. Elite Insurance Advisors LLC reserves the right, and you authorize us, to use and assign all information regarding site uses by you and all information provided by you in any manner consistent with our Privacy Policy.

14. Copyrights and Copyright Agent. If you believe your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have otherwise been violated, please provide a notice containing all of the following information via email to [email protected]:

(a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

(b) A description of the copyrighted work that you claim has been infringed;

(d) Your address, telephone number, and e-mail address;

(e) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

(f) A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

15. Applicable Law. You agree that the laws of the State of Illinois, without regard to conflicts of laws provisions, will govern these Terms and Conditions and any dispute that may arise between you and Elite Insurance Advisors LLC or its affiliates. You also agree that the courts of the State of Illinois will have sole and exclusive jurisdiction to hear or determine any dispute or controversy arising under or concerning this Agreement.

16. Severability. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect.

17. Waiver. The failure of Elite Insurance Advisors LLC to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. Any waiver of this Agreement by Elite Insurance Advisors LLC must be in writing and signed by an authorized representative of Elite Insurance Advisors LLC.

18. Termination. Elite Insurance Advisors LLC may terminate this Agreement at any time, with or without notice, for any reason.

19. Relationship of the Parties. Nothing contained in this Agreement or your use of the Site shall be construed to constitute either party as a partner, joint venture, employee or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each shall remain independent contractors responsible for its own actions.

20. Entire Agreement. This Terms and Conditions constitutes the entire agreement between you and Elite Insurance Advisors LLC and governs your use of the Site, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Elite Insurance Advisors LLC with respect to this Site. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use the Website. Elite Insurance Advisors LLC may revise these Terms and Conditions at any time by updating this Agreement and posting it on the Site. Accordingly, you should visit the Site and review the Terms and Conditions periodically to determine if any changes have been made. Your continued use of the Website after any changes have been made to the Terms and Conditions signifies and confirms your acceptance of any such changes or amendments to the Terms and Conditions.

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

Elite Insurance Advisors LLC

Email: [email protected]

Website: www.eliteagentusa.com