Terms & Conditions

1) Acceptance of Terms


These Terms & Conditions (“Terms”) govern your access to and use of americafine.com and related services (collectively, the “Site”) operated by AmericaFine (“Company,” “we,” “us,” or “our”). By accessing or using the Site, creating an account, or submitting a registration as a Client (consumer) or Partner (agency, broker, affiliate), you agree to these Terms and our [Privacy Policy]. If you do not agree, do not use the Site.

2) Who May Use the Site


You must be at least 18 years old and able to enter a binding contract. If you use the Site on behalf of a company or organization, you represent you have authority to bind that entity, and “you” includes that entity.

3) Accounts; Registration Information


You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding your account credentials and for all activities under your account. Notify us immediately of any unauthorized use or security incident.

4) Our Role; No Legal/Financial Advice


AmericaFine is not an insurance carrier. We facilitate registrations, quotes, introductions, and certain services with insurance carriers, MGAs/MGUs, TPAs, and licensed agents. Information on the Site is for general informational purposes and is not legal, tax, or financial advice. Coverage decisions, pricing, and policy terms are made by insurers, subject to their underwriting and eligibility rules.


5) Quotes; Applications; Coverage


  • Quotes are non-binding and subject to change until a policy is issued by the carrier.

  • Submitting information does not guarantee coverage or service availability.

  • Coverage becomes effective only when you receive and accept final policy documents and pay required amounts to the applicable party.

  • You are responsible for reviewing carrier policy terms, exclusions, waiting periods, and cancellation provisions.


6) Partner Onboarding & Compliance


Partners must maintain all required licenses, appointments, and registrations and comply with applicable insurance advertising, compensation, and replacement rules. Partners are solely responsible for their communications and representations to clients. We may audit, suspend, or terminate Partner access for non-compliance.

7) Permitted Use; Prohibited Conduct


You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:


  • misrepresent your identity, licensing, or authorization;

  • scrape, crawl, or use automated means without our prior written consent;

  • interfere with the Site’s security or integrity, or attempt to access non-public areas;

  • upload malware or infringing/illegal content;

  • use the Site to harass, spam, or send unlawful marketing communications;

  • reverse engineer or copy the Site except as allowed by law.

8) Fees, Payments, and Commissions


Where applicable, you agree to pay fees or premiums disclosed at the time of payment. Payment processing may be performed by third-party processors. Certain commissions or compensation may be paid to Partners as agreed in separate onboarding terms. You authorize us and our processors to charge your selected payment method. Amounts paid to carriers are subject to carrier refund/cancellation rules.

9) Electronic Communications & E-Sign Consent


By using the Site, you consent to receive electronic communications, notices, and records related to your use of the Site and our services (the “Communications”). You agree such Communications satisfy any legal requirement that they be in writing. You may withdraw consent by contacting us, but we may need to suspend or terminate certain services if electronic delivery is required.

10) Marketing Messages (Email/SMS)


With your consent where required, we may send you marketing emails or text messages. Message/data rates may apply. Message frequency varies. Reply STOP to cancel, HELP for help. We may still send transactional or service messages. See our Privacy Policy for details.

11) Third-Party Services and Links


The Site may link to or integrate third-party websites, platforms, or tools (e.g., analytics, identity verification, payments, CRMs). We are not responsible for third-party content, policies, or practices. Your use of third-party services is governed by their terms.

12) Intellectual Property


The Site, including text, graphics, logos, software, and content, is owned by or licensed to us and protected under U.S. copyright, trademark, and other laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for its intended purpose. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works from the Site.

13) User Content; Feedback


If you submit content (e.g., forms, messages, files, reviews), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content to operate and improve the Site and services. You represent that you have the rights to provide the content and that it does not infringe others’ rights. If you submit feedback or suggestions, we may use them without restriction or compensation.

14) Privacy


Your use of the Site is subject to our Privacy Policy (incorporated by reference). The Privacy Policy explains how we collect, use, disclose, and protect personal information.

15) Compliance with U.S. Federal Law


We operate the Site in accordance with applicable U.S. federal requirements, including (where applicable) the Gramm-Leach-Bliley Act (GLBA), HIPAA (if PHI is handled), CAN-SPAM/TCPA, and the FTC Act. The Site is not intended for children under 13 (see COPPA; also see Privacy Policy).

17) No Warranties


THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF HARMFUL COMPONENTS.

18) Limitation of Liability


TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) US$100 OR (B) THE AMOUNTS YOU PAID TO US (IF ANY) FOR THE SERVICE AT ISSUE IN THE 3 MONTHS PRECEDING THE CLAIM.

19) Indemnification


You agree to defend, indemnify, and hold harmless AmericaFine and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your: (a) use of the Site; (b) breach of these Terms; (c) violation of law or third-party rights; or (d) content you submit.

20) Suspension; Termination


We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms, pose a risk, or for operational/security reasons. Upon termination, Sections intended to survive (including 12–21) will continue to apply.

21) Dispute Resolution; Arbitration; Class-Action Waiver


Informal resolution. Before filing a claim, you agree to try to resolve the dispute informally by sending a written notice to the Contact address below and giving us 30 days to respond.
 Arbitration. If not resolved, any dispute, claim, or controversy between you and us arising from or relating to these Terms or the Site shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (or Consumer Rules, as applicable), and governed by the Federal Arbitration Act. The arbitration may be conducted by video conference or at a mutually agreed location.
 Class waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
 Opt-out. You may opt out of arbitration within 30 days of first accepting these Terms by sending a written notice to the Contact address below (include your name, account email, and a clear statement of your intent to opt out).

22) International Use


The Site is controlled and operated from the United States and intended for use in the U.S. We make no representation that the Site is appropriate or available for use elsewhere. If you access the Site from outside the U.S., you do so at your own risk and are responsible for compliance with local laws.

23) Changes to the Site or Terms


We may modify, suspend, or discontinue any part of the Site at any time. We may update these Terms from time to time. The “Last updated” date indicates the latest revision. If changes are material, we will take reasonable steps to provide additional notice. Your continued use of the Site after changes become effective constitutes acceptance.

24) Miscellaneous


  • Entire Agreement. These Terms (and any incorporated policies, including the Privacy Policy) are the entire agreement between you and us regarding the Site.

  • Severability. If any provision is found unenforceable, the remaining provisions will remain in full force and effect.

  • No Waiver. Our failure to enforce any provision is not a waiver.

  • Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

  • Governing Law. These Terms are governed by applicable U.S. federal law to the extent it applies. For issues not preempted by U.S. federal law, the governing law will be that of the jurisdiction of AmericaFine’s principal place of business, without reference to conflict-of-laws rules. (If you prefer not to reference any state at all, replace the second sentence with: “For issues not preempted by U.S. federal law, the parties agree to apply generally accepted contract principles consistent with U.S. law.”)

  • Force Majeure. We are not liable for delays or failures due to events beyond our reasonable control.

  • Headings. Headings are for convenience only.

(Last updated: October 24, 2025)