Effective Date: July 8, 2026

Website Owner: InsurMart, LLC

Contact Email: [email protected]

Mailing Address: 4539 N 22nd St Suite R, Phoenix, AZ 85016

These Terms of Use (“Terms”) govern your access to and use of the InsurMart, LLC (“InsurMart,” “we,” “us,” or “our”) website. By using this website, you agree to these Terms.

1. Use of Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use of, this website by any third party.

2. Accounts

If any part of this website requires you to create an account, you are responsible for maintaining the confidentiality of your login information and for all activity under your account.

3. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of InsurMart, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

4. SMS Messaging Terms

By providing your mobile number, you consent to receive SMS/text messages from InsurMart, LLC, which may include broker development and recruiting follow-up, client service communications, and appointment-related messages. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time, or HELP for assistance. Consent to receive texts is not a condition of any purchase, partnership, or service. Carriers are not liable for delayed or undelivered messages. See our Privacy Center for details on how your information is handled.

5. Independent Business Relationship

InsurMart, LLC operates as an independent Insurance Marketing Organization (IMO). Any partnership, contracting, or appointment opportunities described on this website are offered on an independent-contractor basis and do not guarantee acceptance by any specific carrier, a specific level of income, referral volume, or any other business outcome. Individual results depend on factors such as licensing, experience, and market conditions.

6. Disclaimers

This website and its content are provided “as is” without warranties of any kind, express or implied. InsurMart, LLC is not a law firm and does not provide legal advice; nothing on this website should be construed as legal, medical, tax, or financial advice. InsurMart, LLC is not affiliated with, endorsed by, or sponsored by Medicare, Medicaid, the Social Security Administration, CMS, or any other government agency. See our Disclosure page for additional detail.

7. Limitation of Liability

To the fullest extent permitted by law, InsurMart, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website.

8. Termination

We reserve the right to suspend or terminate your access to this website at any time, without notice, for conduct that we believe violates these Terms or is otherwise harmful to InsurMart, LLC or other users.

9. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles.

10. Changes to These Terms

We may update these Terms of Use from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The “Effective Date” above indicates when these Terms were last revised. Continued use of this website after changes are posted constitutes acceptance of the updated Terms.