Terms of Service

Effective Date: 06-02-2026

Iron Axis Insurance Agency, LLC

These Terms and Conditions of Use (“Terms”) govern access to and use of the website, client portal, quote request forms, applications, online services, and related platforms operated by Iron Axis Insurance Agency, LLC (“Iron Axis,” “Agency,” “we,” “our,” or “us”).

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you should not use this website.

1. WEBSITE PURPOSE

This website is intended to provide general information regarding insurance products and services offered through Iron Axis Insurance Agency, LLC.

The information provided on this website is for informational purposes only and does not constitute legal advice, tax advice, financial advice, insurance advice, or any guarantee of coverage.

2. NO INSURANCE COVERAGE IS BOUND THROUGH WEBSITE USE

Submission of:

Quote requests
Contact forms
Applications
Policy change requests
Certificates of insurance requests
Emails
Text messages
Portal messages
Online submissions

does not bind insurance coverage, modify existing coverage, reinstate coverage, or guarantee acceptance by any insurance carrier.

Coverage is effective only when:

Approved by the insurance carrier;
All underwriting requirements are satisfied;
Required premium payments are received; and
Written confirmation of coverage has been issued by the insurance carrier or an authorized representative of Iron Axis Insurance Agency, LLC.

Applicants should not assume coverage exists until receiving written confirmation.

3. NO GUARANTEE OF COVERAGE

Submission of an application, quote request, or supporting documentation does not guarantee:

Coverage approval;
Eligibility;
Policy issuance;
Specific rates;
Specific limits;
Specific terms;
Renewal of coverage.

All coverage decisions are subject to carrier underwriting guidelines and applicable laws.

4. MULTI-STATE LICENSING DISCLAIMER

Insurance products and services may not be available in all states.

Nothing on this website constitutes an offer to sell insurance in any jurisdiction where Iron Axis Insurance Agency, LLC or its representatives are not properly licensed.

Coverage availability varies by state and carrier.

5. THIRD-PARTY CARRIER PLATFORMS AND WIDGETS

This website may provide access to:

Insurance carrier websites;
Online insurance purchasing systems;
Quote platforms;
Premium finance companies;
Payment processors;
Third-party applications;
Embedded insurance widgets.

When users leave this website or interact with a third-party platform, they become subject to the terms, privacy policies, and procedures of those third parties.

Iron Axis Insurance Agency, LLC does not control and is not responsible for the content, availability, pricing, underwriting decisions, security practices, or functionality of third-party systems.

6. CLIENT RESPONSIBILITY FOR INFORMATION PROVIDED

Users agree that all information submitted through the website, client portal, email, text message, or other communication channels shall be:

True;
Accurate;
Complete;
Current.

Users are responsible for notifying Iron Axis Insurance Agency, LLC of any material changes affecting insurance applications or policies.

Providing inaccurate information may result in denial of coverage, cancellation of coverage, rescission of coverage, or other actions by the insurance carrier.

7. CLIENT PORTAL TERMS

Iron Axis Insurance Agency, LLC may provide access to secure client portals.

Users are responsible for:

Maintaining login credentials;
Protecting passwords;
Restricting unauthorized access;
Reviewing documents delivered electronically.

Users are responsible for all activity occurring under their accounts.

The Agency reserves the right to suspend or terminate portal access at any time.

8. ELECTRONIC COMMUNICATIONS CONSENT

By using this website, users consent to receiving communications electronically, including:

Email communications;
Portal notifications;
Electronic documents;
Electronic disclosures;
Text messages;
Insurance servicing communications.

Electronic communications shall satisfy any legal requirement that communications be in writing.

9. ELECTRONIC SIGNATURES

Where permitted by law, electronic signatures submitted through this website, client portal, or related systems shall have the same legal effect as handwritten signatures.

Users agree not to dispute the validity or enforceability of electronic signatures solely because they were transmitted electronically.

10. PAYMENTS

Premium payments may be made directly to insurance carriers, premium finance companies, or Iron Axis Insurance Agency, LLC where authorized.

Submission of payment does not guarantee:

Policy issuance;
Policy renewal;
Coverage continuation;
Immediate binding of coverage.

Coverage remains subject to carrier approval and applicable policy terms.

11. INTELLECTUAL PROPERTY

All website content including:

Text;
Graphics;
Logos;
Design elements;
Images;
Downloads;
Software;
Marketing materials;

is the property of Iron Axis Insurance Agency, LLC or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, or republished without prior written permission.

12. PROHIBITED USES

Users agree not to:

Violate any law or regulation;
Submit false information;
Attempt unauthorized access to systems;
Introduce malware or harmful code;
Interfere with website functionality;
Use automated scraping tools without authorization;
Engage in fraudulent activity.

13. DISCLAIMER OF WARRANTIES

THIS WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

IRON AXIS INSURANCE AGENCY, LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF:

MERCHANTABILITY;
FITNESS FOR A PARTICULAR PURPOSE;
NON-INFRINGEMENT;
ACCURACY;
COMPLETENESS;
RELIABILITY;
AVAILABILITY.

WE DO NOT WARRANT THAT THE WEBSITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.

14. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IRON AXIS INSURANCE AGENCY, LLC, ITS OWNERS, MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM:

WEBSITE USE;
WEBSITE UNAVAILABILITY;
THIRD-PARTY SERVICES;
DATA LOSS;
SECURITY BREACHES;
INSURANCE COVERAGE DECISIONS;
UNDERWRITING DECISIONS;
CLAIM DETERMINATIONS.

15. INDEMNIFICATION

Users agree to defend, indemnify, and hold harmless Iron Axis Insurance Agency, LLC and its affiliates, owners, managers, employees, agents, and representatives from any claims, liabilities, losses, damages, costs, and expenses arising from:

Violation of these Terms;
Misuse of the website;
Submission of inaccurate information;
Violation of applicable laws.

16. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of California without regard to conflict-of-law principles.

17. VENUE

Any dispute arising from these Terms or use of the website shall be brought exclusively in a state or federal court located within California, and the parties consent to the jurisdiction of such courts.

18. MODIFICATIONS

Iron Axis Insurance Agency, LLC reserves the right to modify these Terms at any time.

Updated Terms become effective upon posting to the website.

Continued use of the website constitutes acceptance of any revised Terms.

19. CONTACT INFORMATION

Iron Axis Insurance Agency, LLC

Sacramento, California

Email: info@ironaxisinsurance.com

Phone: 916-314-4939

Website: ironaxisinsurance.com

Questions regarding these Terms may be directed to the Agency using the contact information above.