Terms and Conditions

1. Agreement to Terms

By accessing and using the services provided by Akiem Insure ("we," "us," or "our") through our website at https://akieminsure.com/, you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these terms, you may not access our services.

2. Services Description

Akiem Insure provides insurance brokerage and advisory services, including but not limited to:

• Medicare insurance plans and consultations
• ACA (Affordable Care Act) health insurance plans
• Life insurance policies, including Final Expense life insurance
• Insurance quotes and comparisons
• Insurance advisory services

We act as an insurance broker and intermediary, connecting you with insurance carriers and helping you find suitable insurance coverage.

3. Eligibility

Our services are available to individuals who:

• Are at least 18 years of age
• Are legally capable of entering into binding contracts
• Reside in areas where we are licensed to provide insurance services

4. User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account information
• Notify us immediately of any unauthorized use of your account
• Comply with all applicable laws and regulations
• Not use our services for any unlawful purpose

5. Insurance Products and Advice

5.1 No Guarantee of Coverage

While we strive to help you find suitable insurance coverage, we cannot guarantee:

• Approval of any insurance application
• Specific coverage terms or premium rates
• Availability of particular insurance products

5.2 Insurance Carrier Relationships

We work with various insurance carriers and may receive commissions for policies sold. Our recommendations are based on your stated needs and available products, but the final insurance contract is between you and the insurance carrier.

5.3 Your Responsibility to Review

You are responsible for:

• Carefully reviewing all insurance documents
• Understanding policy terms, conditions, and exclusions
• Verifying that coverage meets your needs
• Asking questions before purchasing any policy

6. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

7. Third-Party Services

Our website may contain links to third-party websites and services, including:

• Insurance carrier portals
• Quote comparison tools
• Government healthcare websites

We are not responsible for the content, privacy policies, or practices of third-party sites. Your use of third-party services is at your own risk.

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Akiem Insure or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Disclaimers

9.1 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access to our website or services.

9.2 Information Accuracy

While we make efforts to provide accurate information, insurance products, rates, and availability change frequently. Always verify current information with the insurance carrier.

9.3 No Professional Advice

Information provided through our services is for general informational purposes and should not be considered legal, tax, or financial advice. Consult appropriate professionals for specific advice.

10. Limitation of Liability

To the fullest extent permitted by law:

• Akiem Insure shall not be liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the amount of commissions received from your insurance purchase in the past 12 months
• We are not liable for any losses resulting from insurance carrier decisions or actions

11. Indemnification

You agree to indemnify and hold harmless Akiem Insure, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your use of our services
• Your violation of any rights of another party
• Any false or inaccurate information you provide

12. Governing Law and Disputes

These Terms are governed by the laws of the state in which Akiem Insure is registered, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting a notice on our website or sending you an email. Your continued use of our services after changes constitutes acceptance of the modified Terms.

14. Termination

We may terminate or suspend your access to our services at any time, without prior notice, for any reason, including breach of these Terms. Upon termination, all provisions of these Terms that by their nature should survive shall continue to apply.

15. Contact Information

For questions about these Terms and Conditions, please contact us at:

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Akiem Insure regarding the use of our services and supersede all prior agreements and understandings.