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INGENISURE

INGENIOUS INSURANCE SOLUTIONS

Call Us Now: (949) 257-2797

TERMS OF USE

Effective Date: July 13, 2026

1. ACCEPTANCE OF TERMS

Welcome to Ingenisure.

These Terms of Use ("Terms") govern your access to and use of the Ingenisure website, including any content, forms, applications, enrollment tools, portals, communications, and related services made available through the website (collectively, the "Website").

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

If you are using the Website on behalf of an employer, organization, or other entity, you represent that you have authority to bind that entity to these Terms.

2. ABOUT INGENISURE

Ingenisure is a licensed insurance agency and employee benefits consulting firm. Ingenisure provides insurance brokerage, employee benefits consulting, enrollment support, compliance assistance, and related services.

Insurance products and services are offered only where properly licensed and authorized by applicable law.

Nothing on this Website constitutes an offer to sell, solicit, or negotiate insurance in any jurisdiction where such activities would be unlawful.

3. INFORMATIONAL PURPOSES ONLY

The information provided on this Website is for general informational and educational purposes only.

Website content may include information regarding:

  • Employee benefits

  • Health insurance

  • Insurance products

  • Compliance matters

  • Benefits administration

  • Enrollment processes

  • Industry trends and developments

Such information is not intended to constitute legal, tax, accounting, investment, medical, or other professional advice.

You should consult qualified advisors regarding your specific circumstances.

4. NO ATTORNEY-CLIENT OR FIDUCIARY RELATIONSHIP

Use of the Website does not create:

  • An attorney-client relationship;

  • A fiduciary relationship;

  • A consulting engagement;

  • An insurance broker-client relationship; or

  • Any other professional relationship

unless and until a separate written agreement has been executed between you and Ingenisure.

5. INSURANCE QUOTES AND COVERAGE INFORMATION

Any insurance-related information, illustrations, estimates, projections, premium indications, benefit comparisons, or quotes displayed, discussed, or transmitted through the Website are subject to:

  • Carrier approval

  • Underwriting review

  • Eligibility verification

  • Plan availability

  • Regulatory requirements

  • Changes in rates, benefits, or program terms

Coverage is not effective until confirmed by the applicable insurance carrier and all enrollment and underwriting requirements have been satisfied.

Nothing on this Website guarantees coverage, pricing, eligibility, approval, or plan availability.

6. USER SUBMISSIONS

Certain portions of the Website may permit you to submit information, documents, enrollment forms, census information, applications, or other materials.

You agree that:

  • Information submitted will be accurate and complete;

  • You are authorized to provide the information submitted;

  • You will not knowingly provide false or misleading information;

  • You will update information when necessary to maintain accuracy.

Ingenisure may rely upon information provided through the Website in providing services.

7. PRIVACY

Your use of the Website is also governed by Ingenisure's Privacy Notice.

By using the Website, you acknowledge that you have reviewed the Privacy Notice and understand how personal information may be collected, used, disclosed, retained, and protected.

8. ELECTRONIC COMMUNICATIONS

By providing contact information to Ingenisure, you consent to receive communications relating to insurance, employee benefits, enrollment, account administration, customer service, and related matters through:

  • Email

  • Telephone

  • Text message (where authorized)

  • Electronic platforms

  • Online portals

You may withdraw certain communication preferences where permitted by law.

Transactional and legally required communications may continue as permitted by applicable law.

9. WEBSITE AVAILABILITY

Ingenisure does not guarantee uninterrupted access to the Website.

The Website may be modified, suspended, restricted, or discontinued at any time without prior notice.

Ingenisure shall not be liable for interruptions, delays, outages, technical failures, or other disruptions.

10. INTELLECTUAL PROPERTY

All Website content is owned by Ingenisure or its licensors and is protected by applicable intellectual property laws.

This includes, without limitation:

  • Text

  • Graphics

  • Logos

  • Branding

  • Designs

  • Software

  • Documents

  • Marketing materials

  • Educational content

  • Website structure and functionality

No content may be copied, reproduced, distributed, modified, republished, displayed, or exploited without prior written permission from Ingenisure, except as otherwise permitted by law.

11. PROHIBITED USES

You agree not to:

  • Violate applicable laws or regulations;

  • Attempt to gain unauthorized access to systems or data;

  • Interfere with Website functionality or security;

  • Introduce malware, viruses, or harmful code;

  • Submit fraudulent information;

  • Harvest, scrape, or collect information from the Website without authorization;

  • Use the Website for unlawful, abusive, deceptive, or fraudulent purposes.

12. THIRD-PARTY SERVICES AND LINKS

The Website may contain links to third-party websites, services, applications, or platforms.

Ingenisure does not control and is not responsible for:

  • Third-party content;

  • Privacy practices;

  • Security practices;

  • Availability;

  • Accuracy of information provided by third parties.

Accessing third-party services is at your own risk and subject to the terms and policies of those third parties.

13. DISCLAIMERS

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INGENISURE DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF:

  • MERCHANTABILITY;

  • FITNESS FOR A PARTICULAR PURPOSE;

  • NON-INFRINGEMENT;

  • ACCURACY;

  • RELIABILITY;

  • AVAILABILITY.

Ingenisure does not warrant that:

  • The Website will be error-free;

  • The Website will be uninterrupted;

  • Defects will be corrected;

  • The Website is free of harmful components.

14. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INGENISURE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO:

  • Use of the Website;

  • Inability to use the Website;

  • Reliance upon Website content;

  • Errors or omissions;

  • Unauthorized access to information;

  • Security incidents;

  • Third-party services or content.

If liability cannot be excluded, Ingenisure's aggregate liability shall not exceed one hundred dollars ($100) or the amount paid directly to Ingenisure for the applicable Website-related service, whichever is greater.

15. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Ingenisure and its owners, officers, directors, employees, contractors, representatives, affiliates, successors, and assigns from any claims, damages, liabilities, losses, costs, and expenses arising from:

  • Your use of the Website;

  • Violation of these Terms;

  • Violation of applicable law;

  • Information submitted by you through the Website.

16. COMPLIANCE WITH APPLICABLE LAW

You are responsible for complying with all laws applicable to your use of the Website.

Nothing contained in these Terms shall be interpreted to require Ingenisure to provide services in violation of applicable insurance, licensing, privacy, regulatory, or professional requirements.

17. MODIFICATIONS

Ingenisure reserves the right to modify these Terms at any time.

Updated Terms will become effective upon posting to the Website unless otherwise required by applicable law.

Continued use of the Website after updates are posted constitutes acceptance of the revised Terms.

18. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict-of-law principles.

Nothing in this section shall limit any rights or protections that cannot be waived under applicable law.

19. CONTACT INFORMATION

Questions regarding these Terms may be directed to:

Ingenisure

555 Anton Blvd., Suite 150
Costa Mesa, CA 92626

Phone: (949) 257-2797

Email: legal@ingenisure.com

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