Terms and Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Full Circle Insurance Brokers (“we,” “us,” or “our”), located at fullcircleinsurancebrokers.com (the “Site”), including any content, functionality, and services offered on or through the Site.

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

1. Use of the Site

The Site provides general information about insurance products and services, quote request tools, contact forms, and educational resources. All content is for informational purposes only and does not constitute professional insurance, legal, financial, or tax advice.

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must be at least 18 years old to use the Site.

2. No Insurance Coverage or Advice

• Information on the Site is general and may not apply to your specific situation.
• Quotes provided through the Site are estimates only and are not binding until formally approved by an insurance carrier.
• We do not guarantee the availability, terms, or pricing of any insurance products.
• Any final coverage, terms, conditions, or pricing will be determined by the insurance carrier(s).

Consult with a licensed insurance professional for advice tailored to your needs.

3. User Accounts and Submissions

Certain features may require you to create an account or submit information. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

When you submit information (e.g., quote requests), you represent that it is accurate and complete. We reserve the right to refuse or remove any submission at our discretion.

4. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is owned by Full Circle Insurance Brokers or our licensors and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

5. Prohibited Conduct

You agree not to:

• Use the Site in any way that violates applicable laws or regulations.
• Transmit any harmful code, viruses, or disruptive elements.
• Interfere with the Site’s security or functionality.
• Scrape, data-mine, or automatedly extract content.
• Impersonate any person or entity.

6. Third-Party Links and Services

The Site may contain links to third-party websites (e.g., insurance carriers, partners). We are not responsible for the content, privacy practices, or accuracy of those sites. Your interactions with third parties are governed by their terms.

7. Disclaimers and Limitation of Liability

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, FULL CIRCLE INSURANCE BROKERS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability shall not exceed the amount you paid to us (if any) in the twelve months preceding the claim.

8. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, and expenses (including attorney’s fees) arising from your use of the Site, your submissions, or your violation of these Terms.

9. Changes to the Terms

We reserve the right to modify these Terms at any time. We will post the updated Terms on the Site with a new effective date. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

10. Termination

We may terminate or suspend your access to the Site at any time, with or without cause, without notice.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of laws principles. Any disputes shall be resolved exclusively in the state or federal courts located in Mecklenburg County, North Carolina.

12. Miscellaneous

If any provision of these Terms is held invalid, the remainder shall continue in full force. Our failure to enforce any right does not waive that right. These Terms constitute the entire agreement between you and us regarding the Site.

Contact Us

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