These Terms and Services ("Terms") govern your access to and use of the website allianceforindependence.com (the "Site") and any insurance-related information, tools, quote requests, or communications offered by Alliance for Independence ("Alliance," "we," "us," or "our"). By accessing the Site, submitting a form, or engaging our services, you agree to these Terms. If you do not agree, please discontinue use of the Site.
Alliance for Independence is an insurance advisory and brokerage organization. We help individuals, families, and businesses evaluate coverage options across property, casualty, life, health, and specialty lines. Information on the Site is provided for general educational purposes and does not constitute legal, tax, or financial advice. Coverage is subject to underwriting approval, policy terms, conditions, exclusions, and limitations issued by the applicable insurance carrier.
Submitting a quote request or contact form does not bind coverage, guarantee a premium amount, or create an agency relationship until confirmed in writing by an authorized Alliance representative and accepted by you. Premiums, deductibles, and eligibility may change based on carrier rules, regulatory requirements, and information you provide.
You represent that you are at least eighteen years of age and have the legal capacity to enter into these Terms. If you provide information on behalf of a business or another person, you represent that you are authorized to do so. You agree to provide accurate, complete, and current information and to update it when material changes occur.
You are responsible for maintaining the confidentiality of any credentials associated with future online portals and for all activities conducted under your account. Notify us promptly if you suspect unauthorized access.
You may use the Site to learn about insurance products, request consultations, subscribe to newsletters, and communicate with our team. You may not use the Site to transmit unlawful, fraudulent, or misleading content; attempt to gain unauthorized access to systems; scrape or harvest data without permission; interfere with security features; or impersonate any person or entity.
We reserve the right to suspend or restrict access if we reasonably believe you have violated these Terms or applicable law.
All content on the Site—including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software—is owned by Alliance for Independence or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print pages for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit Site content without prior written consent.
The Site may contain links to third-party websites, carrier portals, or payment processors. We do not control and are not responsible for third-party content, privacy practices, or availability. Your relationship with an insurance carrier is governed by the policy contract and that carrier's terms. Alliance is not liable for carrier decisions regarding claims, cancellations, or coverage interpretations.
By providing your email address or phone number, you consent to receive communications related to quotes, policy servicing, renewals, and educational content. You may manage marketing preferences through our subscribe and unsubscribe pages. Service-related messages may still be sent when necessary to administer an active policy or pending application.
You agree that electronic records and signatures may satisfy legal writing requirements where permitted by law.
THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
Insurance products involve risk transfer subject to carrier solvency and contract language. Past performance of claims payment or customer satisfaction metrics displayed on the Site does not guarantee future results.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALLIANCE FOR INDEPENDENCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON SITE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability for direct damages arising from these Terms or your use of the Site shall not exceed the greater of one hundred dollars (USD) or the fees you paid to Alliance for the specific service giving rise to the claim during the twelve months preceding the event.
You agree to indemnify, defend, and hold harmless Alliance for Independence and its personnel from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, misuse of the Site, inaccurate information you provide, or infringement of third-party rights.
Our collection and use of personal information is described in the Privacy Policy. By using the Site, you acknowledge that you have read and understood that policy.
We may update these Terms from time to time to reflect operational, legal, or regulatory changes. The "Last Updated" date at the top of this page will be revised when changes are posted. Continued use of the Site after changes constitutes acceptance of the revised Terms.
These Terms are governed by applicable insurance and consumer protection laws in the jurisdiction where Alliance for Independence is licensed to operate, without regard to conflict-of-law principles. Parties agree to attempt good-faith resolution before pursuing formal proceedings. Where permitted, you agree that exclusive venue for disputes relating to the Site shall lie in courts of competent jurisdiction selected by Alliance, unless mandatory consumer protections require otherwise.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with the Privacy Policy and any written engagement letter or application you sign, constitute the entire agreement regarding Site use unless superseded by a signed contract for specific insurance placement services.
For questions about these Terms, contact us at info@allianceforindependence.com.
Alliance for Independence and its producers operate only where properly licensed or exempt. Nothing on the Site is an offer to sell insurance in a jurisdiction where we are not authorized. License details are available upon request.
We are not liable for delays or failures resulting from events beyond reasonable control, including natural disasters, carrier system outages, labor disputes, or governmental actions.
You may not assign your rights under these Terms without our written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.
If you submit suggestions or feedback, you grant Alliance a perpetual, royalty-free license to use that material to improve services without obligation to you.
Last Updated: November 2, 2026
