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Terms of Service

Last Updated: March 24, 2026

1. Acceptance of Terms

Welcome to Inxurances, operated by RPM (Real Performance Marketing) ("we," "our," "us," or "Company"). These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you may not use our website or services.

2. Description of Service

2.1 Marketing Service

Inxurances is a marketing service, not an insurance company, insurance agency, or insurance broker. We do not:

  • Sell or offer insurance products directly
  • Provide insurance advice or recommendations
  • Act as an insurance agent or broker
  • Underwrite, issue, or administer insurance policies

2.2 Our Role

Our service connects consumers seeking insurance information with licensed insurance agents, brokers, and carriers in our network. We facilitate connections but are not responsible for:

  • The accuracy of quotes provided by insurance partners
  • The terms, conditions, or coverage of any insurance policy
  • The conduct or practices of insurance agents or carriers
  • Any disputes between you and insurance providers

3. User Eligibility

You must be at least 18 years of age to use our services. By using our website, you represent and warrant that:

  • You are at least 18 years old
  • You have the legal capacity to enter into these Terms
  • All information you provide is accurate, current, and complete
  • You will maintain the accuracy of such information

4. Express Consent to Contact

IMPORTANT - TCPA CONSENT

By submitting your information through our website, you expressly consent to be contacted by:

  • RPM (Real Performance Marketing)
  • Licensed insurance agents and brokers in our network
  • Insurance carriers and their marketing partners

This consent includes contact via:

  • Telephone calls (including autodialed and prerecorded calls)
  • Text messages (SMS/MMS)
  • Email messages
  • Direct mail

You acknowledge that:

  • Calls may be made using automated telephone dialing systems
  • Messages may use artificial or prerecorded voices
  • Contact may occur even if your number is on a Do Not Call list
  • Standard message and data rates may apply to text messages
  • Your consent is not a condition of purchasing any goods or services
  • You may revoke this consent at any time

4.1 Revoking Consent

To revoke your consent to be contacted, you may:

  • Reply "STOP" to any text message
  • Click "unsubscribe" in any email
  • Ask to be placed on our Do Not Call list when contacted by phone
  • Contact us using the information in Section 14

Note: We cannot control communications from third-party insurance partners after your information has been shared. You must contact them directly to opt out of their communications.

5. Information Sharing

When you submit your information through our website, you understand and agree that:

  • Your information will be shared with multiple insurance agents and carriers
  • These parties will use your information under their own privacy policies
  • You may receive communications from multiple insurance providers
  • We have no control over how third parties use your information after it is shared
  • Your information may be used for marketing purposes

6. User Responsibilities

You agree to:

  • Provide accurate, complete, and truthful information
  • Update your information if it changes
  • Use the website only for lawful purposes
  • Not interfere with the operation of the website
  • Not attempt to gain unauthorized access to any part of the website
  • Not use automated systems to access the website without our permission
  • Comply with all applicable federal, state, and local laws

7. No Insurance Advice

We do not provide insurance advice or recommendations. The information on our website is for general informational purposes only and should not be construed as professional insurance advice. You should:

  • Conduct your own research before purchasing insurance
  • Consult with licensed insurance professionals
  • Review all policy documents carefully before purchasing
  • Understand that coverage, terms, and availability vary by state and provider

8. No Guarantees

We make no guarantees or warranties regarding:

  • Your ability to obtain insurance coverage
  • The cost, terms, or availability of insurance products
  • The quality or accuracy of quotes provided by insurance partners
  • The approval or denial of any insurance application
  • The response time of insurance agents or carriers

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of RPM or its licensors and is protected by intellectual property laws. You may not:

  • Copy, reproduce, or distribute website content without permission
  • Modify or create derivative works
  • Use our trademarks or branding without authorization
  • Remove or alter copyright notices

10. Disclaimers and Limitation of Liability

10.1 Disclaimers

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

  • Warranties of merchantability or fitness for a particular purpose
  • Warranties that the website will be uninterrupted or error-free
  • Warranties regarding the accuracy or reliability of information
  • Warranties that defects will be corrected

10.2 Limitation of Liability

Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

  • Loss of profits, data, or use
  • Business interruption
  • Personal injury or property damage
  • Actions or omissions of third-party insurance partners
  • Failure to obtain insurance coverage
  • Denial of insurance claims

Our total liability to you for any claims arising from your use of our services shall not exceed the amount you paid to us (if any) in the past twelve months.

11. Indemnification

You agree to indemnify, defend, and hold harmless RPM and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

  • Your use of our website or services
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Any information you provide through our website

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

12.2 Arbitration Agreement

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. You waive your right to participate in class action lawsuits or class-wide arbitration.

12.3 Exceptions

Either party may seek injunctive or equitable relief in court to protect intellectual property rights or confidential information.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the modified Terms.

14. Contact Information

For questions about these Terms of Service, please contact us:

Inxurances

RPM (Real Performance Marketing)

12243 Queenston Blvd., Suite I

Houston, Texas 77095

Email: [Support Email]

Phone: (XXX) XXX-XXXX

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and RPM regarding your use of our website and services.