Terms & Conditions

Welcome to Vital Core Insurance (“Vital Core Insurance,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with these Terms & Conditions. If you do not agree with any part of these terms, please discontinue use of this website.

1. Website Use

This website is provided for informational and educational purposes only. By using this website, you agree to use it responsibly and in accordance with all applicable federal, state, and local laws.

You agree not to:

  • Use this website for any unlawful, fraudulent, or unauthorized purpose.
  • Attempt to gain unauthorized access to any part of the website, servers, databases, or related systems.
  • Copy, reproduce, distribute, modify, publish, or commercially use any website content without prior written permission from Vital Core Insurance.

2. No Insurance Contract

The information provided on this website is for general informational purposes only and does not create an insurance policy, insurance binder, contractual agreement, or guarantee of coverage. Insurance coverage is available only after approval by the issuing insurance carrier, completion of any required underwriting, and issuance of an official policy.

3. Independent Insurance Agency

Vital Core Insurance operates as an independent insurance agency. We work with multiple insurance carriers to help clients explore available coverage options, but we do not issue insurance policies, perform underwriting, or make claims decisions. All policy approvals, underwriting determinations, coverage decisions, and claims payments are made solely by the issuing insurance carrier.

4. Accuracy of Information

We strive to ensure that the information presented on this website is accurate and current. However, Vital Core Insurance does not guarantee the completeness, accuracy, or timeliness of any content. Insurance products, premiums, eligibility requirements, policy features, and coverage availability may change without prior notice.

5. Intellectual Property

All website content, including text, graphics, logos, images, icons, branding, layouts, design elements, and other materials, is the property of Vital Core Insurance unless otherwise indicated. Unauthorized copying, reproduction, modification, distribution, or commercial use of any content is prohibited without written authorization.

6. Limitation of Liability

Vital Core Insurance shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to the use of, or inability to use, this website or any information contained herein.

7. Third-Party Websites

For your convenience, this website may include links to third-party websites. Vital Core Insurance does not own, control, or endorse these websites and is not responsible for their content, availability, privacy practices, or security policies.

8. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States and the applicable laws of the state in which services are provided, without regard to conflict of law principles.

9. Changes to These Terms

Vital Core Insurance reserves the right to modify or update these Terms & Conditions at any time without prior notice. Any revisions will become effective upon posting to this website. Your continued use of the website following such changes constitutes your acceptance of the updated Terms & Conditions.