Terms of Service

Effective Date: December 15, 2025
Last Updated: December 15, 2025

1. Acceptance of Terms

Welcome to Seguros Ideal's website ("Site"). These Terms of Service ("Terms") constitute a legal agreement between you ("you," "your," or "user") and Seguros Ideal("Agency," "we," "us," or "our") governing your use of our Site located at www.segurosidealinc.com, including our AI-powered voice assistant and all related services.

BY ACCESSING OR USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS SITE.

2. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting the updated Terms on this Site with a new "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.

We will not provide individual notice of changes to these Terms. It is your responsibility to review these Terms periodically for updates.

3. About Our Services

3.1 Insurance Agency Services

Seguros Ideal is an insurance agency providing insurance products and services. We are licensed and regulated by applicable state insurance departments. Our services include:

Insurance quotes and information
Policy recommendations and placement
Insurance consultation and advice
Customer service for existing policies

3.2 Website and Technology Services

Our Site and AI voice assistant are powered by PolicyLift ("PolicyLift"), a third-party technology provider. PolicyLift provides the technical infrastructure for our website and AI assistant but does not provide insurance services.

3.3 No Online Policy Transactions

IMPORTANT LIMITATION: This Site and our AI voice assistant are for informational purposes only. You CANNOT use this Site or AI assistant to:

Purchase or bind insurance coverage
Modify existing insurance policies
Cancel insurance policies
File insurance claims
Make payments on policies
Execute or sign insurance contracts

All policy transactions, changes, and claims must be completed through direct contact with a licensed insurance agent.

4. AI Voice Assistant - Important Disclosures

4.1 Nature of AI Technology

YOU ARE INTERACTING WITH ARTIFICIAL INTELLIGENCE, NOT A HUMAN

Our Site features an AI-powered voice assistant that uses artificial intelligence technology to answer questions and collect basic information. When you interact with this assistant:

You are communicating with an automated artificial intelligence system
Responses are generated by algorithms, not human agents
The AI is designed for general questions and basic information collection only
A licensed human agent is available upon request (during business hours)

4.2 AI Technology Providers

Our AI assistant uses third-party services including OpenAI, Eleven Labs, and Cartesia for natural language processing and voice technology.

4.3 Recording and Storage

ALL CONVERSATIONS WITH OUR AI ASSISTANT ARE RECORDED AND TRANSCRIBED.

By using the AI assistant, you explicitly consent to:

Voice recording of your entire conversation
Transcription of your conversation to text
Storage of recordings and transcripts in secure encrypted databases
Use of recordings for quality assurance, training, and service improvement
Retention of recordings for as long as necessary for business and legal purposes

If you do not consent to recording, DO NOT use the AI assistant. Instead, contact us directly via phone or email.

4.4 Strict Limitations of AI Assistant

CRITICAL: The AI assistant has significant limitations. The AI assistant CANNOT and WILL NOT:

Insurance Services Prohibited:

Provide insurance advice, recommendations, or professional opinions
Quote insurance policies or provide pricing information
Guarantee coverage, rates, discounts, or policy terms
Bind insurance coverage or execute insurance contracts
Make changes to existing insurance policies
File, process, or provide updates on insurance claims
Cancel or terminate insurance policies
Interpret policy language or coverage terms
Advise on legal or regulatory compliance matters
Make binding commitments on behalf of Seguros Ideal

Information Collection Only: The AI assistant is designed solely to:

Answer general questions about insurance types and concepts
Collect basic contact information for quote requests
Schedule appointments with licensed insurance agents
Transfer you to a human agent when appropriate
Provide general information about our agency

4.5 No Reliance on AI Responses

YOU ACKNOWLEDGE AND AGREE:

AI technology has inherent limitations and may make errors
AI responses may be inaccurate, incomplete, or misleading
AI-generated information should NOT be relied upon as professional advice
You should verify all important information with a licensed insurance agent
The AI cannot understand complex or nuanced insurance situations
AI responses are for informational purposes only and are not binding

YOU USE THE AI ASSISTANT AT YOUR OWN RISK.

4.6 No Professional Relationship Created

Using the AI assistant does NOT create:

An insurance broker-client relationship
An agency relationship
A fiduciary duty
A professional services relationship
Any legally binding commitment or obligation

4.7 Escalation to Human Agent

You may request to speak with a licensed human insurance agent at any time during your AI conversation. During business hours, you will be transferred to an available agent. Outside business hours, you may leave a message or schedule an appointment.

5. No Insurance Advice or Recommendations

5.1 Informational Purposes Only

ALL CONTENT ON THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY.

Nothing on this Site, including information provided by our AI assistant, constitutes:

Insurance advice or recommendations
Professional or expert opinions
Legal, financial, or tax advice
A guarantee of coverage or rates
A binding quote or offer of insurance

5.2 Not a Substitute for Professional Consultation

Information on this Site is not a substitute for consultation with a licensed insurance professional. Insurance is complex and highly regulated. Coverage needs, eligibility, and pricing depend on many factors specific to your situation.

You should consult with a licensed insurance agent before making any insurance decisions.

5.3 No Attorney-Client Relationship

Nothing on this Site creates an attorney-client relationship. We do not provide legal advice. For legal questions about insurance coverage or contracts, consult a qualified attorney.

6. Accuracy of Information

6.1 No Warranty of Accuracy

While we strive to provide accurate and current information:

Information on this Site may contain errors, omissions, or inaccuracies
Insurance information may be outdated or incomplete
Rates, coverage options, and policy terms change frequently
State laws and regulations vary and change over time
Third-party information may not be accurate or current

WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY INFORMATION ON THIS SITE.

6.2 Third-Party Marketing Organization (TPMO) Disclaimer

FOR MEDICARE AND HEALTH INSURANCE PRODUCTS:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

This disclosure applies to all Medicare Advantage, Medicare Supplement, and Medicare Part D prescription drug plans.

6.3 Insurance Carrier Information

Insurance products are underwritten by licensed insurance carriers. We may represent multiple carriers but do not represent all carriers in all states. The availability of specific products and carriers varies by location and qualification criteria.

6.4 Your Responsibility to Verify

IT IS YOUR RESPONSIBILITY TO:

Verify all information with a licensed insurance agent
Review actual policy documents before purchasing insurance
Understand the terms, conditions, and limitations of coverage
Confirm that coverage meets your specific needs
Disclose all material information accurately when applying for insurance

7. User Conduct and Prohibited Activities

7.1 Acceptable Use

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree NOT to:

Prohibited Conduct:

Provide false, inaccurate, or misleading information
Impersonate any person or entity
Use the Site for fraudulent purposes
Attempt to manipulate or deceive the AI assistant
Interfere with the Site's operation or security
Attempt to gain unauthorized access to any systems or data
Use automated tools (bots, scrapers) without permission
Transmit viruses, malware, or harmful code
Harass, threaten, or abuse our staff or systems
Violate any applicable laws or regulations

Prohibited Content: You may not submit or transmit through the Site:

Illegal, fraudulent, or deceptive content
Threatening, abusive, or harassing content
Content that violates intellectual property rights
Spam, unsolicited advertising, or promotional materials
Malicious code or security threats

7.2 Consequences of Prohibited Activity

Violation of these Terms may result in:

Immediate termination of your access to the Site
Legal action and prosecution for illegal activities
Reporting to law enforcement or regulatory authorities
Civil liability for damages caused

8. Intellectual Property Rights

8.1 Ownership

All content on this Site, including but not limited to text, graphics, logos, images, audio, video, software, and code, is owned by Seguros Ideal, PolicyLift, or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes only. This license does not include:

Reproduction, duplication, or copying of Site content
Commercial use of the Site or content
Modification or derivative works based on Site content
Distribution, transmission, or public display of content
Removal of copyright or proprietary notices
Use of trademarks, service marks, or logos

8.3 Feedback and Suggestions

If you provide feedback, suggestions, or ideas about the Site or services, you grant us a perpetual, worldwide, royalty-free license to use, modify, and incorporate such feedback without compensation or attribution.

9. Third-Party Links and Content

9.1 Third-Party Websites

This Site may contain links to third-party websites, including insurance carrier sites, government resources, and other external sources. These links are provided for convenience only.

WE ARE NOT RESPONSIBLE FOR:

The content, accuracy, or practices of third-party websites
Products or services offered by third parties
Privacy practices of external sites
Any damages resulting from your use of third-party sites

9.2 Third-Party Services

Our AI assistant and Site use third-party services (OpenAI, Eleven Labs, Cartesia, Duda, Google Ads). These services operate under their own terms and privacy policies. We are not responsible for the practices or performance of these third-party services.

9.3 Insurance Carriers

Insurance products are issued by insurance carriers, not by Seguros Ideal or PolicyLift. We act as an agent or broker facilitating your access to insurance products. Coverage, claims, and policy terms are governed by the insurance carrier's policy contract.

10. Disclaimers and Limitations of Liability

10.1 "AS IS" and "AS AVAILABLE" Disclaimer

THIS SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

Implied warranties of merchantability and fitness for a particular purpose
Warranties of accuracy, completeness, or reliability
Warranties that the Site will be uninterrupted, secure, or error-free
Warranties that defects will be corrected
Warranties regarding AI assistant performance or accuracy
Any warranties arising from course of dealing or usage of trade

10.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

WE (INCLUDING Seguros Ideal, POLICYLIFT, AND OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES) SHALL NOT BE LIABLE FOR ANY:

Direct Damages:

Errors, omissions, or inaccuracies in information
Reliance on information provided on the Site or by AI assistant
Decisions made based on Site content
Insurance coverage denials or disputes
Policy cancellations or lapses

Indirect and Consequential Damages:

Lost profits, revenue, or business opportunities
Loss of data or information
Business interruption
Personal injury or property damage
Emotional distress or psychological harm
Punitive or exemplary damages

Technical Issues:

Site downtime, interruptions, or errors
Security breaches or unauthorized access
AI assistant malfunctions or errors
Loss or corruption of data transmitted through the Site
Computer viruses or malicious code

Third-Party Actions:

Actions or omissions of insurance carriers
Actions or omissions of third-party service providers
Content or practices of linked third-party websites

THIS LIMITATION APPLIES REGARDLESS OF:

The legal theory (contract, tort, negligence, strict liability, or otherwise)
Whether we were advised of the possibility of such damages
Whether such damages were foreseeable

10.3 Maximum Aggregate Liability

IF ANY LIABILITY IS FOUND TO EXIST, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

10.4 State-Specific Limitations

Some states do not allow the exclusion or limitation of certain warranties or damages. If you reside in such a state, the above limitations may not apply to you to the extent prohibited by law. In such cases, our liability is limited to the maximum extent permitted by your state's law.

11. Errors and Omissions

11.1 E&O Disclaimer

ERRORS AND OMISSIONS (E&O) DISCLAIMER:

Despite reasonable efforts to ensure accuracy, errors and omissions may occur on this Site. We are not liable for:

Typographical or technical errors
Outdated information or pricing
Incomplete or missing information
AI-generated errors or inaccuracies
Misunderstandings or miscommunications
Translation or transcription errors

11.2 Coverage for Errors

Seguros Ideal maintains Errors & Omissions insurance as required by law. However, this insurance does not eliminate your responsibility to verify information and review actual policy documents.

12. Indemnification

You agree to indemnify, defend, and hold harmless Seguros Ideal, PolicyLift, and our respective officers, directors, employees, agents, affiliates, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or related to:

Your use of the Site or AI assistant
Your violation of these Terms
Your violation of any laws or regulations
Your violation of any third-party rights
Information you provide to us
Your insurance applications or policies

This indemnification obligation survives termination of these Terms.

13. Privacy and Data Protection

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to our collection, use, and disclosure of your personal information as described in the Privacy Policy.

Key Privacy Points:

We collect personal information you provide and usage data
AI conversations are recorded, transcribed, and stored
Information is shared with service providers (PolicyLift, OpenAI, Eleven Labs, Cartesia)
You have privacy rights under applicable state laws
See our Privacy Policy for complete details

14. Dispute Resolution and Arbitration

14.1 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law provisions. You agree to the exclusive jurisdiction of courts located in Texas for any disputes that cannot be resolved through arbitration.

14.2 Informal Dispute Resolution

Before filing any legal claim, you agree to first contact us at anthony@segurosidealinc.com to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith within 30 days.

14.3 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising from or relating to these Terms or your use of the Site shall be resolved by binding arbitration, rather than in court, except as provided below.

Arbitration Terms:

Arbitration shall be conducted by the American Arbitration Association (AAA)
Arbitration shall follow AAA's Consumer Arbitration Rules
Arbitration shall take place in Texas or telephonically
The arbitrator's decision is final and binding
Judgment on the arbitration award may be entered in any court

Exceptions to Arbitration:

Small claims court actions (if claim qualifies)
Injunctive or equitable relief in court to prevent unauthorized use or infringement
Individual claims only (no class arbitrations)

14.4 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

You waive any right to participate in class action lawsuits or class-wide arbitration against Seguros Ideal or PolicyLift.

14.5 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTES ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE.

14.6 Opt-Out of Arbitration

You may opt out of the arbitration agreement by sending written notice to 249 S Federal Blvd, Denver, CO 80219 within 30 days of first accepting these Terms. The opt-out notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

15. Insurance Licensing and Regulatory Compliance

15.1 State Licensing

Seguros Ideal is licensed to sell insurance in the states where we conduct business. Our agents hold valid insurance licenses issued by applicable state insurance departments.

License Verification:

You may verify our license status through your state insurance department
License numbers are available upon request
Licensed agents are identified in communications

15.2 Regulatory Oversight

Seguros Ideal is subject to regulation by state insurance departments. If you have complaints about our insurance practices, you may contact your state insurance department.

15.3 Compliance with Laws

We comply with all applicable federal and state insurance laws and regulations, including but not limited to:

State insurance codes and regulations
National Association of Insurance Commissioners (NAIC) guidelines
Gramm-Leach-Bliley Act (GLBA) privacy requirements
State privacy laws (CCPA, CPRA, and other state privacy statutes)
Americans with Disabilities Act (ADA) accessibility requirements

16. Termination

16.1 Termination by You

You may stop using the Site at any time. Your obligations under these Terms that by their nature should survive termination will remain in effect.

16.2 Termination by Us

We reserve the right to suspend or terminate your access to the Site at any time, with or without notice, for any reason, including:

Violation of these Terms
Fraudulent or illegal activity
Security threats or risks
Extended periods of inactivity
At our sole discretion

16.3 Effect of Termination

Upon termination:

Your license to use the Site immediately ends
You must cease all use of the Site
Provisions that by their nature should survive (disclaimers, limitations of liability, indemnification, dispute resolution) remain in effect
We are not liable for any consequences of termination

17. Miscellaneous Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, and Accessibility Statement, constitute the entire agreement between you and Seguros Ideal regarding use of the Site and supersede all prior agreements and understandings.

17.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to reflect the parties' intent to the maximum extent permitted by law.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative.

17.4 Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without your consent in connection with a merger, acquisition, or sale of assets.

17.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, government actions, internet failures, or equipment failures.

17.6 Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Seguros Ideal or PolicyLift.

17.7 No Third-Party Beneficiaries

These Terms are for the benefit of you and Seguros Ideal only. No third party has any right to enforce these Terms, except PolicyLift and our service providers have the right to enforce provisions protecting them.

17.8 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

17.9 Language

These Terms are written in English. Any translations are provided for convenience only. In case of conflict, the English version controls.

18. Accessibility Commitment

We are committed to ensuring our Site is accessible to people with disabilities. If you experience difficulty using or accessing any part of the Site, please contact us at anthony@segurosidealinc.com. See our Accessibility Statement for more information.

19. Contact Information

For questions, concerns, or notices regarding these Terms:

Seguros Ideal
249 S Federal Blvd, Denver, CO 80219
Email: anthony@segurosidealinc.com
Phone: 303-742-9400

For Legal Notices: All legal notices must be sent in writing to the address above, marked "Attention: Legal Department."

Response Time: We will respond to inquiries as soon as reasonably possible, typically within 5-7 business days.

ACKNOWLEDGMENT

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT:

This Site and AI assistant are for informational purposes only
You are interacting with artificial intelligence technology that has limitations
AI conversations are recorded, transcribed, and stored
No insurance advice, recommendations, or professional services are provided
You cannot purchase insurance, modify policies, or file claims through this Site
All information should be verified with a licensed insurance agent
We disclaim all warranties and limit our liability to the maximum extent permitted by law
Disputes will be resolved through binding arbitration on an individual basis
You waive your right to participate in class action lawsuits
You have read and agree to our Privacy Policy and other policies

If you do not agree to these terms, you must immediately stop using this Site.

Thank you for using Seguros Ideal. We are committed to serving your insurance needs with integrity and professionalism.