Effective Date: January 1, 2023
Last Updated: January 1, 2026

1) Who We Are & Scope of These Terms

These Terms & Conditions (“Terms”) govern your access to and use of the websites, portals, software, and online services operated by Citrus Insurance (“Citrus Insurance,” “we,” “us,” or “our”), including any content, tools, functionality, and services offered through our website and any secure client portal(s) (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

Insurance-related services (including policy placement, insurance consulting, claims assistance, risk assessment, and related services) may be governed by a separate signed agreement, policy contract, or service agreement. If there is a conflict, the signed agreement or insurance policy controls.

Contact Information

Email: [email protected]
Phone: (888) 381-0034

2) Informational Use Only (No Insurance or Financial Advice)

Content on the Services is provided for general informational purposes only. It does not constitute legal, financial, or insurance advice.

Any tools, calculators, policy comparisons, or guidance are provided to support your understanding, but you are responsible for reviewing your options and making decisions appropriate to your situation.

Use of the Services does not create a broker-client or agent-client relationship unless a formal agreement or policy is issued.

3) Your Responsibilities

You agree to use the Services lawfully and in accordance with these Terms. You will not:

Share account or portal credentials

Upload malware or attempt to disrupt systems

Violate laws or third-party rights

Misrepresent identity or eligibility for coverage

Use the Services for spam or unauthorized communications

We may suspend or terminate access if these Terms are violated.

4) Accounts, Security & Electronic Communications

If you create an account:

You must provide accurate and current information

You are responsible for safeguarding your credentials

You must notify us of unauthorized access

You consent to receive electronic communications related to your account and Services.

5) Privacy

Your use of the Services is governed by our Privacy Policy, which explains how we collect and use your information.

6) Client Portal, File Exchange & Third-Party Tools

Our portal, file exchange, messaging, scheduling, and e-signature tools may be provided by third-party service providers.

You agree to use these tools responsibly and provide accurate information. You should avoid uploading unnecessary sensitive data.

7) AI Tools, Software & Output Disclaimer

Some Services may include AI-powered tools (such as insurance estimators, policy suggestions, or automation tools).

You agree that:

AI outputs may contain errors or be incomplete

You will review and verify outputs before relying on them

You remain responsible for policy decisions and compliance

We are not responsible for outcomes based on unverified AI outputs.

8) Intellectual Property

All content on the Services—including text, graphics, logos, and software—is owned by Citrus Insurance or its licensors.

You may use content for personal or internal purposes only. Unauthorized reproduction or distribution is prohibited.

9) Testimonials & Results Disclaimer

Testimonials reflect individual experiences and do not guarantee similar results.

We do not guarantee approval of coverage, claim outcomes, premium rates, or financial results.

10) Third-Party Links

We may provide links to third-party websites. We are not responsible for their content or practices.

11) Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

We do not guarantee uninterrupted, secure, or error-free operation.

12) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Citrus Insurance and its representatives are not liable for indirect, incidental, or consequential damages.

13) Indemnification

You agree to indemnify Citrus Insurance from claims arising from:

Your use of the Services

Violations of these Terms

Legal or regulatory breaches

Information you submit

14) Changes to Services & Terms

We may update or modify the Services and Terms at any time.

Continued use means you accept the updated Terms.

15) Governing Law; Venue; Dispute Resolution

These Terms are governed by applicable laws of the operating jurisdiction (e.g., your registered business state/country).

You agree to resolve disputes in the appropriate courts of that jurisdiction.

Informal Resolution:
Both parties agree to attempt resolution within 30 days before formal action.

Arbitration (Optional):
Disputes may be resolved through arbitration where applicable.

16) Compliance

You agree to comply with all applicable laws, including insurance regulations and sanctions requirements.

17) Accessibility

We are committed to accessibility. Contact us if you need assistance.

18) Severability; Waiver

If any provision is invalid, the rest remain in effect.

19) Entire Agreement

These Terms constitute the entire agreement regarding use of the Services.

20) SMS & Text Messaging Terms

By opting in, you agree to receive SMS messages from Citrus Insurance.

A) Use Cases:

Policy updates

Appointment reminders

Billing notifications

Customer support

Marketing (if opted in)

B) Opt-Out:
Reply STOP or contact us.

C) Fees:
Message/data rates may apply.

D) Carrier Disclaimer:
Carriers are not responsible for delivery issues.

E) Age Requirement:
18+ or parental consent required.

21) Contact Us

Email: [email protected]
Phone: (888) 381-0034