Terms and Conditions – Civitas Insurance
Effective Date: August 25, 2025
These Terms and Conditions (“Terms”) govern your use of Civitas Insurance’s website, forms, and services. By accessing our site or submitting your information, you agree to these Terms.
Services Provided
Civitas Insurance connects individuals with health, life, dental, vision, Medicare, and other insurance plans through licensed agents and providers. We are not an insurance carrier; all coverage is subject to approval and terms set by third-party insurance companies.
User Responsibilities
By using our services, you agree to:
- Provide accurate, complete, and truthful information.
- Be at least 18 years of age.
- Refrain from misusing our website, submitting fraudulent data, or engaging in unlawful activities.
Consent to Communications
By submitting your information, you expressly consent to receive communications from Civitas Insurance, including but not limited to:
- SMS text messages.
- Phone calls (manual and automated, including predictive dialers).
- AI-powered communications (chatbots, voice agents, automated follow-ups).
These communications may include marketing, insurance quotes, policy updates, and account-related information. Message and data rates may apply.
You may opt out at any time by replying “STOP” to SMS messages or contacting us directly.
Third-Party Services
Insurance quotes and services may be provided by independent third-party insurance carriers and agents. Civitas Insurance is not responsible for the actions, terms, or policies of these third parties. We encourage you to review the terms and privacy policies of each provider before finalizing coverage.
Limitation of Liability
Civitas Insurance makes no guarantee of insurance approval, coverage, or specific savings. We are not liable for:
- Errors, delays, or denials caused by third-party providers.
- Any damages, losses, or liabilities arising from the use of our website, communications, or third-party services.
Use of our services is at your own risk.
Modifications
We may update or modify these Terms at any time. Updates will be posted on this page with a new effective date. Continued use of our services constitutes acceptance of the updated Terms.
Termination
We reserve the right to suspend or terminate your access to our services at our sole discretion if you violate these Terms.
Governing Law
These Terms are governed by the laws of the State of [Insert State of Registration], without regard to conflicts of law principles.
Contact Us
Civitas Insurance
📍 8051 N. Tamiami Trail STE E6, Sarasota, Florida
📞 +1 877-766-7275
✉️ compliance@civitasinsurance.com
🌐 https://civitasinsurance.com/