Terms and Conditions

Welcome to the XPRT Insurance website. These Terms and Conditions ("Terms") govern your access to and use of our website, forms, text messaging program, and any related services (collectively, the "Site"). By visiting or using this Site, you agree to comply with and be bound by these Terms. If you do not agree, please refrain from using the Site.

1. Use of the Site

You agree to use this Site only for lawful purposes. Specifically, you will not:

• Use the Site to post or transmit any unlawful, threatening, defamatory, or obscene material.
• Attempt to hack, breach, or disrupt the security or integrity of the Site.
• Use automated systems (bots, scrapers, etc.) to extract data or overload our infrastructure.
• Misrepresent your identity or affiliation, or provide false information.

We reserve the right to deny or revoke access for any behavior we deem harmful, unlawful, or disruptive to the Site or its users.

2. Insurance Quotes & Applications

All insurance quotes, rate calculators, and application tools provided are non-binding and for informational purposes only. Final pricing, coverage, and policy approval are subject to:

• Carrier underwriting guidelines,
• Eligibility and application accuracy,
• Final carrier approval.

We do not guarantee coverage or offer binding commitments through this Site. Coverage is not in effect until it is confirmed in writing by the insurance carrier.

3. Insurance Disclaimer

Not all products and carriers are available in all states. All coverage is subject to carrier underwriting and approval, and quotes are not binding. Policy terms, conditions, and exclusions apply.

Medicare: We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

4. SMS / Text Messaging Terms

By providing your mobile number and checking the consent box on our forms, you agree to receive text messages from XPRT Insurance at the number you provided.

• Message types: Quote follow-ups, policy and service updates, document requests, and appointment reminders. We send promotional messages only if you separately agree to receive them.
• Message frequency varies.
• Message and data rates may apply.
• Opt out: Reply STOP to any message to stop receiving texts. You will receive one message confirming you have been unsubscribed.
• Help: Reply HELP for help, or contact us at (702) 766-3394 or roni@xprtinsurance.com.
• Consent is not a condition of purchase. You do not have to agree to receive text messages to buy any product or service from us.
• Mobile carriers are not liable for delayed or undelivered messages.

For details on how we handle your information, including your mobile number, please see our Privacy Policy.

5. Intellectual Property Rights

All content on the Site, including text, graphics, branding, logos, icons, and code, is owned by or licensed to XPRT Insurance. You may not:

• Reproduce, distribute, or use any content without written consent,
• Modify or reverse-engineer any feature of this Site.

All rights not expressly granted are reserved.

6. Disclaimer of Warranties

This Site is provided "as is" and "as available." While we strive for accuracy, we do not guarantee:

• The completeness or reliability of content,
• That the Site will be uninterrupted or error-free,
• That defects will be corrected.

Use the Site at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, XPRT Insurance will not be liable for:

• Any direct, indirect, incidental, or consequential damages,
• Any loss resulting from use or inability to use the Site,
• Any viruses or harmful components encountered while browsing.

8. Third-Party Websites

The Site may contain links to external websites for your convenience. XPRT Insurance is not responsible for:

• The content, terms, or privacy practices of these sites,
• Any loss or damage caused by use of such third-party resources.

Use them at your discretion.

9. Modifications to These Terms

We may revise these Terms at any time. Updated versions will be posted on this page with a new "Effective Date" and take effect immediately. Continued use of the Site constitutes your acceptance of the revised Terms.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Nevada, without regard to its conflict of law principles. All disputes shall be resolved exclusively in the courts of Clark County, Nevada.

11. Contact Us

If you have questions about these Terms or any concerns regarding your experience on our Site, please reach out:

XPRT Insurance

XPRT Insurance and DMV Consulting, a Roni Rivers Farmers Insurance Agency

2525 S Bruce St, Suite 8

Las Vegas, Nevada 89169

Phone: (702) 766-3394

Email: roni@xprtinsurance.com