Terms of Service and Insurance-Related Notices Last Updated: November 5, 2025
1. Acceptance of Terms
These Terms of Service (“Terms”) govern your access to and use of the website, mobile application, and related client portal, including “My Account” (collectively, the “Services”), operated by Ozzo Insurance Corp. and its affiliates (“Ozzo,” “we,” “us,” or “our”).
By accessing or using our Services, you agree to these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, please do not use the Services.
The terms “you” or “your” refer to any individual user, authorized representative, or entity accessing the Services.
By using the Services, you represent and warrant that: (a) You have the legal capacity to enter into a binding agreement, (b) You are of legal age in your jurisdiction, (c) If you are using the Services on behalf of an organization or entity, you are authorized to do so and also accept these Terms personally.
2. About Ozzo and Product Availability
Ozzo Insurance Corp. is a licensed insurance agency that connects customers with products issued by third-party insurance companies (“carriers” or “insurers”).
Ozzo is not an insurance company and does not issue or underwrite policies.
Product availability and eligibility may vary by state and are subject to insurer rules and applicable regulations.
3. Updates to these Terms
We reserve the right to revise these Terms from time to time. Any modification will become effective when posted on our website or app and will apply to actions occurring after such date. Your continued use of our Services constitutes acceptance of the revised Terms.
4. Technical Requirements and App Store Terms
You must have Internet access and a compatible device to use our Services. Standard data and service provider rates may apply. Use of the Ozzo app is also subject to the terms and conditions of third-party app stores (e.g., Apple App Store and Google Play). Apple and Google may be third-party beneficiaries of these Terms.
5. No Financial or Legal Advice
The content on our website and app is provided for informational purposes only. It should not be considered financial, tax, legal, investment, or accounting advice. Your coverage decisions are governed exclusively by the terms of the insurance policy issued by the insurer and by applicable law.
6. Limited License
Subject to these Terms, Ozzo grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for personal and lawful purposes.
You agree not to: (a) Copy, modify, or distribute any part of the Services without written permission, (b) Upload or transmit spam, malware, or harmful code, (c) Interfere with our servers or security systems, or (d) Use the Services for any illegal or unauthorized purpose.
Use of the Services does not confer ownership of any intellectual property rights in our content or platform.
7. Intellectual Property
All rights, title, and interest in the Services and their content, including text, graphics, logos, and code, are the property of Ozzo Insurance Corp. or its licensors. All rights not expressly granted are reserved.
8. Accounts, “My Account,” and Security
Some features require you to create an account. You agree that the information you provide is accurate, complete, and current, and that you will update it as necessary.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. If you suspect unauthorized access, contact us immediately at support@ozzoinsurance.com.
We may suspend or terminate access to protect user data and system integrity.
9. Linked Accounts
You may link your Ozzo account with third-party services, such as Google or Facebook, to simplify login. By linking them, you authorize Ozzo to use limited information (such as your name, email, and profile picture) in accordance with your settings and our Privacy Policy.
10. User Content
If you submit or upload text, photos, reviews, or other content (“User Content”), you grant Ozzo a worldwide, non-exclusive, royalty-free license to host, display, and reproduce such content for the sole purpose of operating and improving the Services.
You represent that you own or have the necessary rights to the content and that it does not violate the law or third-party rights. We may remove content that violates these Terms or is inappropriate.
11. Submissions and Ideas
If you send us ideas, feedback, or proposals, you agree that Ozzo may use them freely without obligation of confidentiality, notification, or compensation.
12. Prohibited Conduct
You agree to use the Services responsibly and in compliance with applicable law. You shall not:
- Create or use a false identity.
- Harass, threaten, or defame any user or Ozzo employee.
- Attempt to access another user’s account.
- Reverse engineer, scrape, or attempt to extract code or data from the Services.
- Use bots or automation tools to access the platform.
- Interfere with system operations or overload our infrastructure.
Any violation may result in the suspension or termination of your account.
13. Electronic Communications and Signatures
By using our Services, you agree to receive communications electronically, including quotes, policy documents, notices, billing information, and claims details.
You may withdraw your consent at any time by sending an email to support@ozzoinsurance.com with the subject line “WITHDRAW ELECTRONIC CONSENT.”
Minimum requirements: Reliable Internet connection, updated web browser, ability to open PDF files, and a valid email address.
14. SMS and Call Communications
By providing your phone number, you consent to receive text messages or calls from Ozzo and its agents, including those using automated dialing systems or pre-recorded voices.
Message and data rates may apply. You may opt out of marketing texts by replying ‘STOP’, although transactional messages (such as policy notifications) will continue.
15. Third-Party Links and Services
The Services may include links to external websites or tools operated by third parties. Ozzo is not responsible for the content, policies, or practices of these external sites, and accessing them is at your own risk. Google Maps and related features are subject to Google’s terms of service.
16. Insurance-Related Notices
16.1 Role of Ozzo Ozzo acts solely as an insurance agency, helping customers quote, compare, and buy insurance products issued by licensed insurers. The insurers are solely responsible for underwriting, pricing, claims, renewals, and determining eligibility or coverage. The issuing insurer’s contract governs all policy terms and performance.
16.2 Customer Representations You represent that: (a) You have the legal capacity to contract, (b) The purchase of your policy is voluntary, and (c) You have an insurable interest in the property or life insured, as required by law. For life insurance, such statements are deemed representations and not warranties, in accordance with applicable laws.
16.3 Information and Verification Information submitted for quotes, coverage changes, or claims may be verified by Ozzo or the insurer. Quotes are estimates only and do not constitute an offer or a binding contract. Coverage details are determined solely by the issued policy.
16.4 Payments and Billing The insurer or an authorized payment provider may handle premium billing and payment processing. Charges depend on policy terms, payment frequency, and applicable fees. Policy cancellation or renewal procedures are governed by the issuing insurer’s rules. For assistance, contact support@ozzoinsurance.com.
16.5 Credit-Based Information Where permitted by law, insurers may use information from consumer reporting agencies, including credit-based insurance scores, to help determine eligibility and rates. Credit information will not be used in states where prohibited. Factors that may influence such scores include payment history, account balances, new credit inquiries, and bankruptcies.
16.6 Confidentiality for Domestic Violence Victims (New York) Insurers must comply with Section 2612 of the New York Insurance Law, which protects the confidentiality of insured persons who are victims of domestic violence or are at risk. You may request alternative contact methods by emailing support@ozzoinsurance.com, and Ozzo will coordinate with the insurer.
17. Telematics and Location Data
Ozzo currently does not offer its own telematics program. If an insurer provides a policy utilizing telematics or location-based data, such data collection is governed by the insurer’s terms and privacy policy. Participation in these programs is voluntary unless otherwise required for the specific policy type.
18. Digital Assistants and Educational Tools
Ozzo may offer interactive tools or digital assistants to help you understand coverage options. These tools are for educational purposes only. Final coverage choices are your responsibility, and eligibility is determined solely by the insurer.
19. Privacy
Your use of the Services is also governed by the Ozzo Privacy Policy, which explains how we collect, use, and protect your personal information. You may contact privacy@ozzoinsurance.com to exercise your rights under our privacy policy.
20. DMCA Compliance
We respect intellectual property rights. If you believe that content within our Services infringes your copyright, you may send a Digital Millennium Copyright Act (DMCA) notice to:
DMCA Designated Agent Ozzo Insurance Corp. Attn: Copyright Agent 8333 NW 53rd St, Suite 450 Doral FL 33166 copyright@ozzoinsurance.com
Your notice must include all elements required under 17 U.S.C. §512(c), including your signature, identification of the copyrighted work and the infringing material, your contact details, a statement of good faith, and a statement under penalty of perjury of your authority.
21. Legal Disclosures and Cooperation
Ozzo may access, preserve, or disclose information if reasonably necessary to comply with the law, address legal requests or regulatory requirements, or to protect our rights, the rights of our users, or the public.
22. Limitation of Liability
The Services are provided “AS IS” and “AS AVAILABLE.”
To the maximum extent permitted by law, Ozzo disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Services will be uninterrupted or error-free.
To the maximum extent permitted by law, Ozzo, its affiliates, and their officers, employees, and agents are not liable for any indirect, incidental, consequential, or exemplary damages (including loss of profits, data, or goodwill) arising from your use or inability to use the Services.
In all cases, Ozzo’s total liability shall not exceed the greater of $100 USD or the total amount you paid to Ozzo for the Services during the six months preceding the claim.
23. Indemnification
You agree to defend, indemnify, and hold harmless Ozzo, its affiliates, officers, and employees from any claims, losses, damages, costs, and expenses (including reasonable attorney’s fees) arising from your use of the Services, violation of these Terms, or infringement of third-party rights.
24. Termination and Suspension
Ozzo may suspend or terminate your access to the Services at any time for violating these Terms or for failure to comply with any applicable legal requirements. You may stop using the Services at any time. Certain obligations, such as indemnification and limitation of liability, shall survive termination.
25. Assignment
Ozzo may assign or transfer its rights and obligations under these Terms to affiliates, successors, or third parties without prior notice. You may not assign your rights or obligations without our written consent.
26. Governing Law and Jurisdiction
These Terms and the use of the Services are governed by the laws of the State of Florida, excluding conflict of laws principles. Any dispute shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida, unless the law requires resolution in a different forum.
27. General Provisions
If any part of these Terms is found invalid, the remaining provisions shall remain in effect. Failure to enforce any provision shall not constitute a waiver. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ozzo regarding the Services.
28. Contact Information
Customer Support: support@ozzoinsurance.com Privacy Inquiries: privacy@ozzoinsurance.com DMCA Notices: copyright@ozzoinsurance.com
29. Trademarks
Ozzo Insurance ℠ and Ozzo Insurance Corp. ℠ are service marks of Ozzo Insurance Corp., with trademark registration pending in the United States. All other names, logos, and brands appearing on the Services are the property of their respective owners.
