Terms of Service

1Acceptance of Terms

By accessing and using the Community Advisors of America website (the "Site"), you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our Site. These terms apply to all visitors, users, and others who access or use the Site.

2Information and Services

The content on this Site is provided for general informational purposes only. It does not constitute professional insurance advice, legal advice, or financial advice. Insurance products and their availability vary by state and individual circumstances.

All insurance products described on this Site are subject to underwriting approval, policy terms, conditions, and applicable state regulations. Final coverage decisions are made by the applicable insurance carrier. Community Advisors of America acts as a licensed insurance agency/agent, not as an insurer.

3Licensing & Regulatory Compliance

Community Advisors of America is licensed by the Florida Department of Financial Services to sell and service insurance products in the state of Florida. Our agents are individually licensed and regulated in accordance with applicable state laws. License information is available upon request.

4Quote Requests

Submitting a quote request through our Site does not constitute a binding insurance contract or guarantee of coverage. Quote requests are submitted for informational purposes, and a licensed agent will follow up to discuss your options. Final quotes are subject to underwriting review and carrier approval.

5Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and code, is the property of Community Advisors of America or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our prior written permission.

6Disclaimer of Warranties

This Site and its content are provided "as is" without warranty of any kind, express or implied. Community Advisors of America does not warrant that the Site will be error-free, uninterrupted, or free from viruses or other harmful components. We reserve the right to modify, suspend, or discontinue the Site at any time without notice.

7Limitation of Liability

To the fullest extent permitted by law, Community Advisors of America shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Site or its content. Our total liability to you for any claim arising from your use of the Site shall not exceed $100.

8Prohibited Uses

You agree not to use this Site to:

• Violate any applicable laws or regulations
• Submit false or misleading information
• Transmit spam or unsolicited communications
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Interfere with the security or proper functioning of the Site

9Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Miami-Dade County, Florida.

10Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the updated terms. We encourage you to review these terms periodically.

11Contact Information

If you have questions about these Terms of Service, please contact us: