Terms and Conditions

Last updated: August 27, 2024

1. Introduction

These Terms and Conditions ("Terms", "Agreement") are a legal agreement between you ("the user" or "you") and Fika Insurance Group, LLC and Insuracube Technologies, LLC (referred to as "the Company", "we", "us", or "our"), governing your use of our services, websites, and any related products or services provided by the Company.

2. Acceptance of Terms

By accessing or using our services, websites, or products, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you must discontinue use immediately.

3. Role of the Company

Fika Insurance Group, LLC operates as an insurance agency and broker, offering insurance products from a variety of carriers. We are not an insurance carrier. We do not underwrite insurance policies or determine premiums. All insurance products are provided by third-party insurance carriers, and the terms of coverage are governed by the policies issued by those carriers.

4. Account Registration

To access certain services, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate and complete information during registration.

5. Use of Services

You agree to use our services only for lawful purposes and in a manner consistent with all applicable laws and regulations. You must not use our services to engage in any fraudulent, harmful, or illegal activities.

6. Insurance Quotes and Applications

Any insurance quotes provided through our services are estimates based on the information you provide and do not constitute a binding agreement. Final premiums, coverage, and eligibility are determined by the insurance carriers based on their underwriting guidelines. Applications for insurance are subject to review and approval by the relevant carrier.

7. No Guarantee of Coverage

While we strive to find the best insurance options for you, we do not guarantee that you will be approved for coverage or that the terms of any insurance policy will meet your needs. The decision to issue a policy rests solely with the insurance carrier.

8. Payment and Fees

Some of our services may require payment. You agree to pay all applicable fees as outlined in your agreement with us. All payments are non-refundable unless otherwise stated. Payments for insurance premiums are made directly to the insurance carrier unless otherwise specified.

9. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to our interests or other users.

10. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability to you for any claim arising out of or relating to these Terms shall not exceed the amount paid by you for the services in question.

11. Warranties and Disclaimers

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted or error-free. We also do not guarantee the accuracy of the information provided by third-party insurance carriers.

12. Privacy

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal data. By using our services, you agree to the terms of our Privacy Policy.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in South Carolina.

14. Changes to the Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on our website. Your continued use of our services following the posting of any changes constitutes acceptance of those changes.

15. Contact Information

If you have any questions or concerns about these Terms, please contact us at: