These Terms and Conditions (“Terms”) govern your access to and use of the websites, mobile applications, online platforms, and services provided by Vantis LLC (“Vantis,” “we,” “our,” or “us”). By accessing or using our digital platforms, requesting a quote, submitting an application, purchasing an insurance policy, filing a claim, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must immediately discontinue use of our services.

1. Scope and Acceptance

These Terms constitute a legally binding agreement between you and Vantis LLC. They apply to all users, including individuals and entities requesting insurance quotes, purchasing policies, or interacting with our licensed agents or online tools.

Our services are intended solely for residents of the states in which Vantis is licensed to conduct insurance business. We reserve the right to refuse service or terminate access at our sole discretion.

2. No Insurance Coverage Created by These Terms

All insurance coverage is provided exclusively under the terms, conditions, exclusions, and limitations of the actual insurance policy issued by the respective insurance carrier. Nothing in these Terms, on our website, or in any communication constitutes an offer to bind coverage, a contract of insurance, or a guarantee of coverage.

Coverage is subject to underwriting approval, payment of premium, and full compliance with the policy wording. In the event of any conflict between these Terms and the provisions of your insurance policy, the policy shall prevail.

3. Accuracy of Information and User Responsibilities

You agree to provide accurate, complete, and truthful information at all times when using our services. Any misrepresentation, omission, or inaccuracy may result in denial of coverage, policy cancellation, or other remedies available under the policy or applicable law.

You are responsible for reviewing your insurance policy documents, declarations page, and any endorsements upon receipt. It is your obligation to notify us promptly of any changes in your circumstances that may affect coverage or premiums.

4. Electronic Communications and Consent

By using our services or providing your contact information, you consent to receive communications from Vantis via telephone, email, SMS/text messages, push notifications, or other electronic means. These communications may include quotes, policy documents, renewal notices, claims updates, marketing messages (where permitted by law), and service-related alerts.

You may withdraw consent for marketing communications at any time by following the opt-out instructions or contacting us. However, you may not opt out of communications necessary for the administration of your policy.

5. Intellectual Property

All content on our digital platforms, including text, graphics, logos, images, software, and trademarks, is the exclusive property of Vantis or its licensors and is protected by United States copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our platforms for personal or internal business purposes only. Any unauthorized reproduction, modification, distribution, or commercial use is strictly prohibited.

6. Prohibited Conduct

You agree not to:

● Use our services for any unlawful purpose or in violation of applicable federal or state laws;
● Submit false or misleading information;
● Interfere with the security or proper functioning of our platforms;

● Attempt to gain unauthorized access to any portion of our systems;

● Use automated tools (bots, scrapers, etc.) to access or collect data without our prior written consent.

We reserve the right to suspend or terminate your access for any violation of these Terms.

7. Limitation of Liability

To the fullest extent permitted by law, Vantis, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if advised of the possibility of such damages.

Our total liability for any claim shall not exceed the amount paid by you to Vantis for the specific service giving rise to the claim, if any. This limitation applies regardless of the legal theory (contract, tort, negligence, or otherwise).

8. Disclaimer of Warranties

Our services and website are provided on an “as is” and “as available” basis without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that our platforms will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Indemnification

You agree to indemnify, defend, and hold harmless Vantis and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of our services, violation of these Terms, or violation of any applicable law.

10. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, technology, or legal requirements. The “Last updated” date at the top of this page will be revised accordingly. Your continued use of our services after any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of laws principles. Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida.

You agree to waive any right to a jury trial in connection with any dispute.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Vantis regarding your use of our services and supersede any prior or contemporaneous understandings.

Contact Us

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

[email protected]

Vantis LLC

28 W Flagler St

Ste 300B #336

Miami, FL 33130