Terms of Use
These terms govern your use of the Moxie Risk Partners website and services.
Last updated: October 9, 2025
Our Terms and Conditions
Welcome to Moxie Risk Partners. These Terms of Use govern your access to and use of our website, services, and any content we provide. By using our services, you agree to be bound by these terms.
Please read these terms carefully before using our website or services. If you do not agree with these terms, you should not access or use our services.
1. Acceptance of Terms
By accessing or using the Moxie Risk Partners website ("Website"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Website or services.
Moxie Risk Partners reserves the right to modify these Terms at any time. Changes will be posted on this page, and your continued use of the Website constitutes acceptance of any modifications.
2. License to Use
We grant you a limited, non-exclusive, non-transferable license to access and use our Website for legitimate business purposes and obtaining insurance quotes and information. This license does not include:
Prohibited Uses
- Commercial use or resale of our content
- Copying, distributing, or modifying our materials
- Using automated systems to access our Website
- Attempting to gain unauthorized access to our systems
3. Insurance Services
Licensed Insurance Agency
Moxie Risk Partners is a licensed insurance agency. All insurance quotes and information provided are estimates only. Actual coverage and rates are subject to underwriting review and approval by insurance carriers.
Important Disclaimers
- Underwriting review and approval by insurance carriers
- Verification of information provided
- State regulations and carrier guidelines
- Final policy terms and conditions
No coverage exists until a policy is issued and premium is paid. Information on our Website does not constitute a contract of insurance or guarantee of coverage.
4. User Responsibilities
When using our Website and services, you agree to:
Information Accuracy
- Provide accurate and truthful information
- Update information when circumstances change
Account Security
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized use
Lawful Use
- Use our services only for lawful purposes
- Respect intellectual property rights
- Not interfere with Website operations or security
You are responsible for all activity that occurs under your account and must notify us immediately of any unauthorized use or security breaches.
5. Privacy and Data Protection
Your Privacy Matters
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy and as necessary to provide insurance services.
6. Insurance Disclaimers
Important Insurance Notice
OUR WEBSITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
We do not warrant that our Website will be uninterrupted, error-free, or free of harmful components. Information on our Website is for general purposes only and should not be considered as professional advice for your specific situation.
Specific Insurance Disclaimers
- No Coverage Guarantee: Quotes are estimates only and do not guarantee coverage
- Carrier Approval: All coverage is subject to underwriting and carrier approval
- Rate Changes: Insurance rates may change based on final underwriting review
- Policy Terms: Actual coverage is governed by the issued insurance policy
- State Regulations: Coverage availability varies by state and regulation
- Binding Coverage: Coverage is not bound until confirmed by the insurance carrier
7. Limitation of Liability
To the maximum extent permitted by law, Moxie Risk Partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Website or services.
Our total liability for any claims related to our Website or services shall not exceed the amount you paid us for services in the twelve months preceding the claim.
Indirect Damages
No liability for consequential losses
Liability Cap
Limited to amounts paid in previous 12 months
Website Availability
No warranties on uptime or accuracy
Business Decisions
User assumes risk for decisions based on our information
8. Governing Law
These Terms are governed by the laws of the State where Moxie Risk Partners is headquartered, without regard to conflict of law principles. Any disputes arising under these Terms will be subject to the exclusive jurisdiction of the courts in that state.
9. Termination
We may terminate or suspend your access to our Website at any time, with or without notice, for violation of these Terms or for any other reason. Upon termination, your right to use our Website ceases immediately.
Termination does not affect any rights or obligations that have accrued prior to the effective date of termination.
10. Contact Us
If you have questions about these Terms of Use, please contact us:
Moxie Risk Partners
Legal Department
Email: info@moxieriskpartners.com
Phone: (800) 326-5581
Terms Acknowledgment
By using our Website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These Terms constitute the entire agreement between you and Moxie Risk Partners regarding your use of our Website.
We appreciate your business and look forward to serving your insurance needs. If you have any questions or concerns about these terms, please contact us.