1. Acceptance of Terms

By accessing or using the Smart Budget Insurance website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, please do not use our website or services.

These terms apply to all visitors, users, and individuals who access or interact with our website.

2. About Our Services

Smart Budget Insurance provides information and assistance related to various insurance products and coverage options. The information available on this website is intended to help users explore insurance solutions based on their individual needs.

Availability, eligibility, pricing, benefits, coverage, exclusions, and policy terms may vary depending on the insurance product, provider, location, and individual circumstances.

3. Website Information

We make reasonable efforts to keep the information on our website accurate and up to date. However, we do not guarantee that all website content is complete, accurate, current, or free from errors or omissions.

Website content should not be considered a substitute for official insurance policy documents or professional advice.

4. Insurance Information

Information presented on this website is for general informational purposes only. Insurance products and coverage options are subject to applicable policy terms, conditions, limitations, exclusions, underwriting requirements, and availability.

Actual coverage is determined by the applicable insurance policy and the issuing insurance provider.

5. Quotes and Requests

Any quote, estimate, inquiry, or coverage information provided through our website may be subject to additional information, eligibility requirements, verification, and approval.

Submitting a request or inquiry does not guarantee that insurance coverage will be issued or that a particular product or rate will be available.

6. User Responsibilities

When using our website, you agree to provide accurate and complete information when submitting forms or requesting information.

You agree not to:

• Use the website for unlawful or fraudulent purposes
• Submit false, misleading, or inaccurate information
• Attempt to interfere with website functionality or security
• Access areas or information that you are not authorized to access
• Use website content for unauthorized commercial purposes

7. Communications

By submitting your contact information through our website, you may be contacted regarding your inquiry, requested insurance information, available coverage options, or related services.

Communication may occur by phone, email, text message, or other available communication methods, subject to applicable laws and your preferences.

8. Third-Party Services and Links

Our website may contain links, tools, services, or information provided by third parties. These third-party services may operate under their own terms, conditions, and privacy policies.

Smart Budget Insurance is not responsible for the content, availability, accuracy, or practices of third-party websites or services.

9. Intellectual Property

Unless otherwise stated, the content of this website, including text, graphics, logos, images, design elements, and other materials, is owned by or licensed to Smart Budget Insurance.

You may not reproduce, modify, distribute, copy, or use website content for commercial purposes without prior written permission.

10. Disclaimer

Smart Budget Insurance does not guarantee that the website will always be available, uninterrupted, secure, or free from technical errors.

We are not responsible for losses or damages resulting from reliance on general website information, technical interruptions, third-party services, or events beyond our reasonable control.

11. Limitation of Liability

To the extent permitted by applicable law, Smart Budget Insurance and its affiliates, representatives, employees, and service providers will not be liable for indirect, incidental, special, consequential, or other damages arising from the use of or inability to use this website or its information.

12. Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information.

By using our website, you acknowledge that you have reviewed our Privacy Policy.

13. Changes to These Terms

Smart Budget Insurance may update or modify these Terms & Conditions from time to time. Changes may be made to reflect updates to our services, website practices, or applicable requirements.

Updated terms will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

14. Termination of Use

We reserve the right to restrict, suspend, or terminate access to our website or certain services if we believe a user has violated these Terms & Conditions, applicable laws, or the rights of others.

15. Governing Law

These Terms & Conditions shall be interpreted and governed by applicable laws and regulations. Any disputes relating to the use of this website or these terms shall be handled in accordance with applicable legal requirements.

16. Contact Us

If you have questions regarding these Terms & Conditions, please contact Smart Budget Insurance.

Effective Date: August 20, 2026