Terms of Service

1. Scope and acknowledgment

These Terms of Service apply to access to and use ofhlbrokers.com, including its quote-request form (the “Website”). The Website is operated for HLBrokers LLC, a Florida independent insurance agency.

By using the Website, you acknowledge these Terms and thePrivacy Policy. These website terms do not replace an insurance application, binder, policy, carrier agreement, annuity contract, or other separate product document.

In plain language: These terms cover the public website and contact form, not a separate insurance or annuity contract.

2. Website service

HLBrokers is an independent insurance agency. The Website provides general information and a way to contact the agency about Property & Casualty, Auto, Life, Annuities, and Surety Bonds. Agency License # L135287 and Agent License # W940731 are displayed for reference.

Website content is general information. Product availability, terms, conditions, exclusions, underwriting, pricing, and coverage decisions depend on the facts of the request, the applicable carrier, product documents, and confirmation by an authorized licensed representative. The Website does not guarantee quotes, prices, eligibility, carrier approval, or coverage.

In plain language: The Website can help start a conversation, but it cannot approve an application or create coverage.

3. Quote-request form

The quote-request form asks HLBrokers to respond about the request using the contact information you provide. A form submission is not an application, quote, offer, binder, policy, or confirmation of coverage. It does not require HLBrokers or any carrier to offer a product or a particular price.

Insurance coverage cannot be bound, altered, or canceled via email, voicemail, or electronic message. Coverage is not effective until confirmed in writing by a licensed representative of HLBrokers LLC.

Provide information you are authorized to submit and that is reasonably related to your request. Do not include Social Security numbers, payment details, medical records, policy documents, financial-account credentials, malicious content, or other sensitive information in this form. The quote form is not an approved policy-document channel. Ordinary declarations pages and requested policy documents may be emailed todocs@hlbrokers.com. For sensitive information, call (239) 598-9200 for a secure delivery method or in-person delivery by appointment.

Form submission authorizes a response about the submitted request. It does not authorize unrelated marketing or automated calls or texts.

In plain language: The form starts a conversation. It does not create, change, renew, or cancel insurance coverage.

4. Accounts, payments, subscriptions, and documents

The Website has no user accounts, payments, subscriptions, or public document upload. It does not accept premiums, deposits, card details, or policy documents. Payment, renewal, cancellation, and product obligations, if any, are governed by the separate carrier and product documents that apply outside the Website.

In plain language: You cannot create an account, buy coverage, pay a premium, subscribe, or upload a policy document on this Website.

5. Acceptable use

You may not use the Website to:

• break the law or engage in fraudulent, deceptive, abusive, or harmful conduct;
• submit another person’s information without authority;
• introduce malware or attempt unauthorized access;
• bypass, probe, disable, or interfere with security or rate-limit controls;
• use automation to scrape, overload, or repeatedly submit the form; or
• misuse Website content or HLBrokers branding.

HLBrokers may restrict Website access when reasonably necessary to address abuse, security threats, legal requirements, or operational problems. A Website restriction does not change or cancel a separate insurance policy.

In plain language: Use the Website honestly and do not attack, automate, or misuse it.

6. Intellectual property

You may view and use the Website for personal or internal business evaluation of HLBrokers’ services. You may not use HLBrokers names, logos, or Website presentation in a way that falsely suggests endorsement, sponsorship, agency, or affiliation. Third-party names and marks remain subject to their owners’ rights.

These Terms do not make a broader ownership or license representation about every Website asset. Asset rights and any permitted reuse beyond ordinary Website access require separate confirmation.

In plain language: You may read and use the site to contact HLBrokers, but may not misuse its name or presentation.

7. External links

The Website may link to maps, carriers, regulators, or other third-party resources for convenience. Those sites are operated under their own terms and privacy practices. HLBrokers does not control their content, availability, or data practices. A link does not change the terms of an insurance or annuity product.

In plain language: Review the rules and notices on a third-party site when you leave this Website.

8. Service-provider dependencies

The Website depends on Vercel for hosting, request processing, firewall functions, and rate limiting, and on Resend for quote-email delivery. Interruptions, rejected requests, rate limits, provider outages, or email-delivery failures may make the Website or form temporarily unavailable. If the form is unavailable, call(239) 598-9200.

In plain language: The Website relies on hosting and email services that can be interrupted; the agency phone remains available.

9. Privacy and communications

The Privacy Policy explains the information the Website processes, the current providers and recipients, and the approved document-intake process.

These Terms do not assert that a particular privacy, marketing, or communications regime applies. Separate marketing call, text, or email consent and opt-out terms are not part of these Website Terms.

In plain language: HLBrokers may respond about your request; unrelated marketing permission is not part of the form.

10. Changes and Website access

If these Terms are later changed, HLBrokers will post the revised version and update the displayed date.

HLBrokers may change or discontinue Website features. Changes to the Website do not amend a separate policy, binder, application, carrier agreement, or product contract.

In plain language: Website features and these Website terms may change over time, but separate insurance documents control actual coverage.

11. Contact information