Terms and Conditions

1. Acceptance of Terms

Welcome to AskFLC ("Website", "Service", "Platform"), operated by FLC Insurance Services Inc. ("we", "us", "our", "Company"). By accessing or using our website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Service.

2. Description of Service

AskFLC provides an AI-powered insurance advisory platform that:

• Offers educational information about health, dental, vision, accident, short-term, and life insurance
• Connects users with licensed insurance agents
• Facilitates connections to insurance quote and enrollment platforms
• Provides agent directory and verification services

3. Educational Information Only

4. User Responsibilities

By using our Service, you agree to:

• Provide accurate, current, and complete information when creating an account or submitting applications
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account
• Use the Service only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with, compromise, or disrupt the Service
• Not use automated systems or software to extract data from the Service

5. AI-Generated Content

Our AI advisor uses advanced language models to provide information about insurance topics. While we strive for accuracy, AI-generated responses may contain errors, outdated information, or may not reflect current insurance regulations in your state. We do not guarantee the accuracy, completeness, or reliability of any AI-generated content. Users should independently verify all information with licensed insurance professionals.

6. Agent Listings and Verification

We maintain a directory of insurance agents and provide information about their credentials. However:

• We do not employ, supervise, or control the agents listed in our directory
• Agents are independent contractors or employees of their respective agencies
• While we verify basic credentials, we do not guarantee the quality, performance, or suitability of any agent
• "Certified Agent" status indicates payment of a membership fee and credential verification, not endorsement of quality or competence
• Users should conduct their own due diligence before engaging with any agent

7. Consent to Contact

By creating an account or submitting your contact information, you expressly consent to be contacted by FLC Insurance Services Inc. and/or its partner agents via phone calls, emails, and text messages (SMS) to the contact numbers and email addresses you provided, even if such numbers are on a National, State, or Private Do Not Call List. You understand that:

• This consent is not a condition of receiving a free quote or purchasing insurance
• You may revoke this consent at any time by contacting us
• Standard message and data rates may apply to text messages

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FLC INSURANCE SERVICES INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM: (a) your access to or use of or inability to access or use the Service; (b) any conduct or content of any third party on the Service, including agents listed in our directory; (c) any content obtained from the Service; or (d) unauthorized access, use, or alteration of your transmissions or content.

9. Third-Party Links and Services

Our Service may contain links to third-party websites, including flcins.com and enrollment.cc. We are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk and subject to their respective terms and conditions.

10. Intellectual Property

The Service and its original content, features, and functionality are owned by FLC Insurance Services Inc. and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any of our content without our express written permission.

11. Termination

We reserve the right to terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Service after changes constitute acceptance of the modified Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved in the state or federal courts located in Florida.

14. Federal Compliance

This website is not the Health Insurance Marketplace® website. In operating this platform, FLC Insurance Services Inc. complies with all applicable federal laws, including standards established under 45 CFR § 155.220(c) and (d) and 45 CFR § 155.260 to protect the privacy and security of personally identifiable information.

15. Accessibility

If you are visually impaired or require assistance accessing our Service, please contact us directly at (800) 459-5750 for further assistance.

16. Contact Information

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