Terms & Conditions

The BVIF website provides general information about insurance products and services and allows visitors to perform activities that may include:

• Learning about insurance products
• Requesting insurance quotations
• Providing information related to insurance needs
• Requesting contact from an insurance professional
• Communicating with BVIF
• Accessing links to insurance carriers or other service providers
• Using other online features made available by BVIF

The information presented on this website is provided for general informational purposes and does not, by itself, constitute an insurance contract, binder, policy, guarantee of coverage, or guarantee of eligibility.

You must be legally capable of providing the information and authorizations required for the services you request.

Certain website features, insurance applications or transactions may require you to be at least 18 years of age.

By using the website, you agree to:

• Provide accurate information when requested
• Use the website only for lawful purposes
• Not impersonate another person or organization
• Not knowingly provide false, misleading or fraudulent information
• Not interfere with the operation or security of the website
• Comply with applicable laws and regulations

Insurance information presented on this website is intended to provide a general overview of products and coverage options that may be available.

Actual insurance coverage depends on the specific insurance carrier, policy, application, underwriting requirements, eligibility, state, selected coverage, limits, deductibles, exclusions and other applicable terms.

Descriptions of insurance products on this website are summaries only.

If there is any conflict between information presented on this website and the terms of an insurance policy, endorsement, application, binder, carrier document or other applicable insurance contract, the applicable insurance contract or carrier documentation will control.

The website allows users to submit information to request insurance quotations.

Submitting a Request a Quote form:

• Does not create insurance coverage
• Does not bind an insurance policy
• Does not guarantee eligibility
• Does not guarantee carrier acceptance
• Does not guarantee a particular premium
• Does not guarantee particular coverage limits or terms

BVIF may need additional information before a quotation can be obtained or an application can be submitted.

Information you provide may be used to obtain or assist in obtaining quotations from appropriate insurance carriers and other insurance-market participants as described in our Privacy Policy.

Insurance quotations are based on information available at the time the quotation is prepared.

A quotation may be subject to:

• Verification of information
• Carrier underwriting
• Eligibility requirements
• Additional documentation
• Inspection requirements
• Changes in risk information
• Applicable state requirements
• Carrier approval
• Payment requirements
• Other policy conditions

Premiums, coverage, limits, deductibles and other quoted terms may change if the information supplied changes or if the insurance carrier determines that different terms apply.

A quotation is not a guarantee that an insurance policy will be issued.

Specific coverage details, terms, conditions and applicable plan or policy information will be provided with your quotation or during the application process for your review before coverage is finalized.

Insurance coverage should not be considered effective merely because:

• You submitted a website form
• You requested a quotation
• You received an email
• You communicated through WhatsApp, SMS, live chat or another messaging service
• You spoke with a representative
• You received preliminary pricing or coverage information

Coverage becomes effective only when properly bound or issued by the applicable insurance carrier or otherwise confirmed through an authorized insurance transaction, subject to applicable requirements.

Do not cancel, terminate or allow existing insurance coverage to expire based solely on information displayed on this website or an unconfirmed quotation.

You are responsible for providing complete and accurate information when requesting insurance services.

Insurance carriers may rely on information provided during the quotation, application and underwriting process.

Incorrect, incomplete or misleading information may affect:

• Eligibility
• Premium
• Coverage
• Underwriting
• Claims
• Policy issuance
• Policy cancellation or non-renewal

You should notify BVIF if material information changes during the quotation or application process.

Best Value Insurance & Financial Services may work with multiple insurance carriers and other insurance-market participants.

Availability of a particular carrier, policy or insurance product may depend on factors including:

• State
• Location
• Risk characteristics
• Eligibility
• Underwriting guidelines
• Carrier appetite
• Product availability
• Licensing or appointment requirements

Not every insurance product or carrier may be available to every customer or in every state.

Unless specifically stated otherwise, insurance products are issued and underwritten by the applicable insurance carrier, not by BVIF.

Insurance products and services displayed on this website may include areas such as:

• Personal Lines
• Commercial Lines
• Health
• Life

Specific products may include auto, homeowners, business, health-related, life, travel and other insurance coverage.

The presence of a product on the website does not mean that it is available in every jurisdiction or to every applicant.

Product availability may change without notice.

Information concerning life insurance, including Term Life, Whole Life, Final Expense, Mortgage Protection and Universal Life or Indexed Universal Life (IUL), is provided for general informational purposes.

Cash values, interest crediting, policy performance, distributions, loans, withdrawals or potential income associated with permanent life insurance depend on the terms and performance of the specific policy.

Unless expressly guaranteed by the issuing insurance carrier in the applicable policy, illustrations or contract, future policy values, interest crediting, income or investment performance should not be considered guaranteed.

Policy loans and withdrawals may reduce cash value and death benefits and may have tax consequences.

Customers should review applicable carrier illustrations and policy documentation before making a purchasing decision.

Health insurance and health-related coverage availability depends on applicable eligibility requirements, service areas, carriers, plans and laws.

Medicare Advantage and Medicare Supplement (Medigap) are different forms of coverage.

Medicare Advantage plans are offered by Medicare-approved private insurance companies and provide another way for eligible individuals to receive Medicare Part A and Part B benefits.

Medicare Supplement insurance works with Original Medicare and may help pay certain eligible out-of-pocket costs.

Best Value Insurance & Financial Services is not Medicare, the Centers for Medicare & Medicaid Services (CMS), or another federal government agency.

Nothing on this website should be interpreted as government endorsement unless expressly authorized by the applicable government agency.

Business insurance requirements vary according to factors including business type, industry, state, employees, operations, contracts, property and other exposures.

Information presented on the website should not be interpreted as a determination that a particular business has satisfied all insurance requirements imposed by law, contract, landlord, lender, customer or another party.

Business owners remain responsible for understanding their legal and contractual insurance obligations.

Travel insurance does not cover every event or circumstance.

Covered reasons, eligibility, exclusions, waiting periods, purchase deadlines, benefit limits, pre-existing medical condition provisions and other requirements vary by plan.

Customers should review the applicable quotation and plan documentation before purchasing travel coverage.

BVIF seeks to provide useful and accurate information.

However, insurance products, carrier requirements, laws, regulations, premiums, eligibility standards and other information may change.

We do not guarantee that every item of website content will always be complete, current or free from typographical or technical errors.

BVIF may update, correct, modify or remove website content without prior notice.

You should verify material insurance information through the applicable quotation, application, policy or carrier documentation before relying on it.

When you provide contact information and the applicable consent, BVIF may communicate with you regarding your:

• Quote request
• Insurance application
• Coverage options
• Policy
• Renewal
• Service request
• Customer support
• Other requested insurance services

Communications may occur through telephone, email, SMS/text messaging, WhatsApp or other communication methods you select or authorize.

Consent to receive marketing communications is not a condition of purchasing insurance where prohibited by applicable law.

Message and data rates may apply to mobile communications.

By communicating with BVIF electronically, you acknowledge that electronic communications may include email, website messages, SMS/text messages, WhatsApp communications or other electronic methods.

You agree that electronic communications and records may satisfy applicable requirements that communications be provided in writing to the extent permitted by law.

Certain insurance documents may require additional consent or delivery procedures.

Ordinary email, SMS, WhatsApp and similar messaging systems may not always provide an appropriate method for transmitting highly sensitive personal information.

Do not send Social Security numbers, payment-card information, medical records or other highly sensitive information through ordinary communication channels unless BVIF specifically provides or directs you to an appropriate method for doing so.

The BVIF website may contain links to websites, portals, applications or services operated by third parties, including insurance carriers and communication providers.

Third-party services are governed by their own:

• Terms
• Privacy policies
• Security practices
• Availability
• Operating procedures

BVIF does not control third-party websites and is not responsible for their content, security, availability or privacy practices.

A link to a third-party website does not necessarily constitute endorsement of every product, service, statement or practice of that third party.

You may not use the website to:

• Violate applicable law
• Commit or attempt fraud
• Impersonate another person
• Submit knowingly false information
• Attempt unauthorized access to accounts, systems or data
• Introduce viruses, malware or malicious code
• Probe or test website security without authorization
• Interfere with website operation
• Circumvent security controls
• Scrape or harvest personal information without authorization
• Use automated systems in a manner that places an unreasonable burden on the website
• Attempt to obtain information not intended for you

BVIF may restrict or terminate access when misuse is suspected.

Unless otherwise indicated, website content belonging to BVIF—including text, graphics, branding, logos, design elements and original website materials—is owned by or licensed to Best Value Insurance & Financial Services and is protected by applicable intellectual-property laws.

Insurance carrier names, trademarks and logos belong to their respective owners.

You may use website content for personal informational purposes.

You may not reproduce, republish, modify, distribute, commercially exploit or create unauthorized derivative works from protected BVIF website content without appropriate permission.

Your use of the website is also subject to the BVIF Privacy Policy.

The Privacy Policy explains how Best Value Insurance & Financial Services collects, uses, discloses and protects personal information.

We attempt to maintain reliable website services but cannot guarantee uninterrupted availability.

The website may occasionally be unavailable because of:

• Maintenance
• Updates
• Technical problems
• Internet or hosting disruptions
• Third-party service failures
• Security events
• Circumstances outside our reasonable control

We may modify, suspend or discontinue website features when reasonably necessary.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND GENERAL INFORMATION AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

BVIF DOES NOT WARRANT THAT THE WEBSITE WILL ALWAYS BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE.

NOTHING IN THIS SECTION EXCLUDES WARRANTIES OR RIGHTS THAT CANNOT LAWFULLY BE EXCLUDED UNDER APPLICABLE LAW.

To the fullest extent permitted by applicable law, Best Value Insurance & Financial Services and its officers, employees, representatives and agents will not be liable for indirect, incidental, special, consequential or punitive damages arising solely from your use of, or inability to use, the website.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

Insurance claims, benefits and obligations under an issued insurance policy are governed by the applicable insurance contract and issuing carrier.

To the extent permitted by applicable law, you agree to indemnify and hold Best Value Insurance & Financial Services harmless from claims, losses, liabilities or reasonable costs arising from:

• Your unlawful misuse of the website
• Your violation of these Terms
• Your infringement of another person's rights
• Fraudulent or intentionally unauthorized activity conducted through your use of the website

This provision does not apply where prohibited by applicable law.

These Terms are governed by the applicable laws of the State of Texas and applicable federal law, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.

If a dispute arises concerning use of the BVIF website or these Terms, the parties should first attempt in good faith to resolve the matter informally where reasonably practicable.

Unless applicable law requires otherwise, disputes arising from these Terms or use of the website will be subject to the jurisdiction of appropriate state or federal courts located in Texas.

Nothing in this section prevents either party from pursuing rights or remedies that cannot lawfully be waived or restricted.

BVIF may update these Terms periodically to reflect changes in:

• Website functionality
• Insurance services
• Business practices
• Technology
• Applicable requirements

When these Terms are updated, the revised version will be posted on this page and the Last Updated date will be changed.

Continued use of the website following the effective date of revised Terms constitutes acceptance to the extent permitted by applicable law.

If any provision of these Terms is determined to be unlawful, invalid or unenforceable, that provision will be enforced to the maximum extent permitted or severed as appropriate.

The remaining provisions will continue in effect.

Failure by BVIF to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

These Terms, together with the Privacy Policy and any other terms or disclosures expressly applicable to a particular website feature or transaction, constitute the applicable terms governing general use of the BVIF website.

Separate insurance applications, carrier agreements, policy documents or other contractual documents may contain additional terms governing particular insurance transactions.