Prime Insurance Group — Terms of Service

Effective Date: 9/1/2026

1. Acceptance of Terms

These Terms of Service ("Terms") are a legally binding agreement between you ("Client") and Prime Insurance Group LLC, governing your use of the Platform and any insurance quoting or brokerage services requested.

BY CLICKING "I AGREE," SUBMITTING A QUOTE REQUEST, OR ACCESSING THE PLATFORM, YOU AGREE TO THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE PLATFORM.

2. Description of Services

Prime Insurance Group LLC is a licensed insurance agency in the State of Florida. We shop coverage across multiple carriers on your behalf and can help you bind, service, and renew policies including auto, homeowners, commercial, trucking, workers' compensation, and health/medical insurance.

2.1 Scope and Limitations

• We act as an independent insurance agency and not as an insurance carrier
• All coverage is subject to underwriting, acceptance, and issuance by the applicable carrier
• We do not provide legal, tax, accounting, or investment advice

2.2 Quotes Are Estimates

Quotes returned through the Platform are estimates based on the information you provide and the carrier programs available at the time. Final premium, coverage terms, deductibles, and eligibility are determined solely by the insurance carrier upon underwriting review. Quotes may change or expire without notice.

2.3 Client Responsibilities

Client is responsible for providing accurate, complete, and current information. Misrepresentation or omission of material facts may void coverage, result in claim denial, or cause policy rescission by the carrier.

3. No Coverage or Claims Guarantee

THE QUOTES AND SERVICES PROVIDED THROUGH THIS PLATFORM ARE PROVIDED AS-IS. PRIME INSURANCE GROUP LLC AND ITS LICENSED AGENTS MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE, EXPRESS OR IMPLIED, THAT ANY CARRIER WILL: (I) OFFER COVERAGE; (II) MAINTAIN A QUOTED PREMIUM; (III) ACCEPT ANY APPLICATION; OR (IV) PAY ANY PARTICULAR CLAIM. ALL COVERAGE, CLAIMS HANDLING, AND POLICY DECISIONS ARE MADE SOLELY BY THE APPLICABLE INSURANCE CARRIER PURSUANT TO THE ISSUED POLICY.

4. Services Not Included

Our services do NOT include:

• Legal advice, legal representation, or coverage-dispute litigation
• Adjustment, investigation, or payment of claims (handled by the carrier)
• Tax, accounting, or financial-planning advice
• Representation before any court or regulatory body

5. Payment and Premiums

5.1 Premiums

Premiums, installment fees, and any policy fees are set by the carrier. Payment may be made directly to the carrier or through a premium finance company as disclosed at binding.

5.2 Cancellation and Refunds

Cancellation and any resulting refund of unearned premium are governed by the terms of the issued policy and applicable Florida law. Any agency fees disclosed and paid at binding are earned when services are rendered unless otherwise stated in writing.

6. Limitation of Liability

6.1 Cap on Liability

THE TOTAL AGGREGATE LIABILITY OF PRIME INSURANCE GROUP LLC FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR SERVICES SHALL NOT EXCEED THE COMMISSIONS ACTUALLY RECEIVED BY US IN CONNECTION WITH THE SPECIFIC POLICY GIVING RISE TO THE CLAIM.

6.2 Exclusion of Consequential Damages

IN NO EVENT SHALL PRIME INSURANCE GROUP LLC BE LIABLE FOR ANY: (A) DENIED, REDUCED, OR DISPUTED CLAIM PAYMENT; (B) UNINSURED OR UNDERINSURED LOSS; (C) LOST PROFITS OR BUSINESS INTERRUPTION; (D) CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES; OR (E) COST OF SUBSTITUTE COVERAGE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

6.3 Exceptions

Nothing in this Section limits liability for fraud, willful misconduct, gross negligence, or any liability that cannot be limited under Florida law.

7. Intellectual Property

All Platform content, logos, and materials are the property of Prime Insurance Group LLC. You may not copy, resell, or redistribute Platform content without our prior written consent.

8. Confidentiality

We treat all Client personal and financial information as confidential and will not disclose it except as necessary to shop, bind, or service coverage, or as required by law.

9. Electronic Communications and TCPA

You consent to receive communications from Prime Insurance Group LLC electronically, including by email, SMS, and phone calls (including automated calls and pre-recorded messages) at the contact information you provide, regarding your quote, policy, or related services. Consent is not a condition of purchase. Reply STOP to opt out of SMS at any time.

10. Indemnification

Client agrees to indemnify and hold harmless Prime Insurance Group LLC from claims arising out of: (a) Client's use of the Platform; (b) breach of these Terms; (c) misrepresentation of any information submitted for quoting or binding; or (d) misuse of any policy or Platform content.

11. Governing Law and Dispute Resolution

These Terms are governed by Florida law. Disputes shall be resolved by binding arbitration under AAA Commercial Arbitration Rules in Broward County, Florida. Either party may seek injunctive relief in a court of competent jurisdiction.

12. Modifications

We may update these Terms at any time. Continued use of the Platform after changes constitutes acceptance.

13. Entire Agreement

These Terms, together with our Privacy Policy and any policy documents issued by a carrier, constitute the entire agreement between the parties with respect to our services.

14. Contact Information

Prime Insurance Group LLC
7777 Davie Road Extension, Suite #105B
Hollywood, FL 33024
Phone: (954) 361-1230
Email: cpa@mitaxusa.com