Welcome to BitTicksInsurance. These Terms and Conditions govern your use of our website and services. By accessing or using our website and services, you agree to be bound by these terms. Please read them carefully.

Acceptance of Terms

By accessing and using the BitTicksInsurance website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Use of Services

Our services are designed to provide comprehensive insurance solutions. You agree to:

• Provide accurate and complete information when requesting quotes or applying for insurance
• Use our services only for lawful purposes
• Not misrepresent your identity or information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations

Insurance Products and Services

BitTicksInsurance provides access to various insurance products including auto, home, life, health, business, fire, medicare, and travel insurance. All insurance policies are subject to the specific terms and conditions of the insurance carriers. We act as an intermediary between you and insurance providers. The final approval of any insurance application is at the discretion of the insurance carrier.

Quotes and Applications

When you request a quote or submit an application:

• Quotes provided are estimates and not guaranteed rates
• Final rates may vary based on underwriting review and additional information
• Applications are subject to approval by the insurance carrier
• You must provide accurate information to receive valid quotes
• Misrepresentation of information may result in policy cancellation or denial of claims

Payment Terms

Regarding payments for insurance premiums:

• All premiums must be paid in accordance with the payment schedule specified in your policy
• Failure to make timely payments may result in policy cancellation
• Payment processing fees may apply depending on the payment method
• Refunds, if applicable, will be processed according to the insurance carrier's policies

Cancellation and Refunds

Policy cancellation and refund terms are governed by the specific insurance carrier's policies. You may cancel your policy at any time by contacting us or your insurance carrier directly. Any refunds will be calculated according to the carrier's cancellation policy, which may include pro-rata or short-rate calculations. Some policies may have a free-look period during which you can cancel for a full refund.

Intellectual Property

All content on the BitTicksInsurance website, including text, graphics, logos, images, and software, is the property of BitTicksInsurance or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

Limitation of Liability

BitTicksInsurance acts as an intermediary between customers and insurance carriers. We are not liable for the actions or decisions of insurance carriers, including policy approvals, denials, or claims decisions. Our liability is limited to the extent permitted by law. We make no warranties about the accuracy, reliability, or completeness of information provided through our services.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components. You use our services at your own risk.

Indemnification

You agree to indemnify and hold harmless BitTicksInsurance, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services, violation of these terms, or violation of any rights of another party.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in San Antonio, Texas.

Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. Please review our Privacy Policy for detailed information about how we handle your data.

Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse or have control over the content of third-party websites and are not responsible for their privacy practices or content. You access third-party websites at your own risk.

Communication

By using our services, you consent to receive communications from us electronically, including emails, text messages, and notifications through our website. You agree that all agreements, notices, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing. You may opt-out of marketing communications at any time.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and BitTicksInsurance regarding the use of our website and services. These terms supersede all prior agreements and understandings, whether written or oral.

Contact Information

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

• Email: [email protected]
• Phone: +1 (817) 678-4653
• Address: 454 Soledad St San Antonio TX 78203

Last Updated: December 11, 2025