1. Agreement to Terms
These Terms and Conditions ("Terms") govern your access to and use of the website located at casanamortgageprotection.com (the "Site") operated by Casana Insurance LLC ("Casana," "we," "us," or "our"). By accessing or using the Site, requesting a quote, or submitting your information through any form on the Site, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Site.
2. About Casana Insurance
Casana Insurance LLC is a licensed insurance agency that connects consumers with licensed insurance agents and brokers who offer mortgage protection insurance and related products. We are not an insurance carrier and do not underwrite policies. Insurance products are issued by third-party insurance carriers and offered through licensed agents.
3. Eligibility
You must be at least 18 years old and a legal resident of the United States to use this Site. By using the Site, you represent and warrant that you meet these requirements. Coverage availability, premium rates, and policy terms are subject to underwriting approval and are determined by the issuing insurance carrier. Not all products are available in all states.
4. Use of the Site
You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
- Submit false, inaccurate, or misleading information
- Submit information on behalf of another person without their consent
- Use the Site for any commercial purpose other than requesting a personal insurance quote
- Attempt to interfere with, compromise, or disrupt the Site's operation or security
- Use any automated means (bots, scrapers, etc.) to access the Site
- Reproduce, duplicate, copy, or resell any portion of the Site
5. Quote Requests and Lead Submissions
When you submit a quote request through this Site, you understand and agree that:
- The information you provide will be used to match you with licensed insurance agents and brokers who may contact you regarding mortgage protection insurance and related products.
- Submission of a quote request does not guarantee approval, coverage, or any specific premium amount. All quotes are subject to underwriting and carrier approval.
- Casana does not bind coverage. A licensed agent must complete a separate application process with the issuing carrier for any policy to be issued.
- Information you provide will be processed in accordance with our Privacy Policy.
6. TCPA Consent and Contact Authorization
By submitting your contact information through this Site, you are providing express written consent under the Telephone Consumer Protection Act (TCPA) for Casana Insurance LLC, its affiliates, and licensed insurance agent business partners to contact you at the telephone number(s) and email address(es) you have provided. This includes contact via:
- Automatic telephone dialing systems
- Artificial or prerecorded voice messages
- SMS text messages
You acknowledge that this consent applies even if your telephone number is listed on any federal, state, local, or corporate Do Not Call registry. Standard message and data rates may apply. Consent is not a condition of purchase, and you may revoke consent at any time by replying "STOP" to any text message, requesting removal during a phone call, or contacting us using the information in Section 16.
7. No Insurance Advice
Information provided on the Site is for general informational purposes only and does not constitute insurance, legal, tax, or financial advice. You should consult with a licensed professional before making any decisions about insurance coverage. Descriptions of insurance products on the Site are summaries only — actual policy terms, conditions, exclusions, and limitations are set forth in the policies issued by the underwriting carriers.
8. Intellectual Property
The Site, including all content, design, graphics, logos, text, images, and code, is the property of Casana Insurance LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any portion of the Site without our prior written consent.
9. Third-Party Links and Services
The Site may contain links to third-party websites or services that are not owned or controlled by Casana. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge that Casana shall not be liable for any damage or loss caused by your use of any third-party website or service.
10. Disclaimers
THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Casana does not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses. We make no representations about the accuracy, reliability, completeness, or timeliness of the information available through the Site.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CASANA INSURANCE LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE.
12. Indemnification
You agree to indemnify, defend, and hold harmless Casana Insurance LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any third-party rights.
13. Termination
We reserve the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including but not limited to a breach of these Terms. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
14. Governing Law and Disputes
These Terms 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 out of or relating to these Terms or the Site shall be resolved in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts.
15. Changes to These Terms
We may revise these Terms from time to time at our sole discretion. The "Last Updated" date at the top of this page indicates when these Terms were last revised. Your continued use of the Site after any revisions constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
16. Contact Us
If you have questions about these Terms, you can contact us at:
Casana Insurance LLC
Email: support@casanainsurance.com
Website: casanainsurance.com
This document is provided as a general template and may not address every legal requirement applicable to your specific business or jurisdiction. Casana Insurance LLC recommends consultation with a qualified attorney to ensure compliance with all applicable laws, including but not limited to the Telephone Consumer Protection Act (TCPA), state insurance regulations, and state consumer protection laws.