Terms and Conditions

Updated: Feb. 24, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the services provided by Zenith Insurance LLC (“Company,” “we,” “our,” or “us”) through the website located at https://zenithinsurance.io (“Website”).

By accessing or using the Website or any of our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using this Website and related services, you agree to these Terms, including any referenced documents such as the Privacy Policy, SMS messaging terms, and any other guidelines provided by Zenith Insurance LLC.

If you do not agree with these Terms, you must not use the Website or provide any personal information.

2. Services

Zenith Insurance LLC provides information, communication services, and customer support related to insurance inquiries and related requests submitted through our Website.

Certain features may require you to submit personal information, including mobile phone numbers, to receive services.

3. SMS / Text Message Terms

A. SMS Use Cases

By providing your mobile phone number and checking the designated SMS consent checkbox on our Website forms, you agree to receive SMS text messages from Zenith Insurance LLC for the following purposes:

Responding to inquiries you submit
Appointment confirmations
Policy-related follow-ups
Application status updates
Service notifications

These messages are service-related and conversational in nature and do not constitute unsolicited marketing unless you expressly opt in to marketing communications.

B. Message Frequency and Costs

Message frequency may vary depending on your interactions with Zenith Insurance LLC. Message and data rates may apply as charged by your wireless carrier.

C. SMS Opt-Out

You may opt out of receiving SMS messages at any time by replying STOP. After opting out, you will not receive further SMS messages from us unless you re-consent.

For assistance or more information, reply HELP or contact us directly using the contact information provided below.

4. User Accounts

If you create an account or provide contact information through our Website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to notify us immediately of any unauthorized use of your account.

5. Privacy Policy

Your privacy is important to us. Our Privacy Policy describes how we collect, use, store, and share your personal information.

You can review the Privacy Policy at:
👉 https://zenithinsurance.io/privacy-policy

By using our services, you consent to the terms of the Privacy Policy.

6. Data Security

We employ reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure.

We cannot guarantee absolute security of your data.

7. Intellectual Property Rights

All content, logos, text, graphics, and software used on this Website are the property of Zenith Insurance LLC or its licensors and are protected by intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content without written permission from the Company.

8. Limitation of Liability

To the full extent permitted by applicable law, Zenith Insurance LLC, its officers, employees, agents, and affiliates, will not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Website or services.

9. Carrier Disclaimer

Zenith Insurance LLC is not liable for delays, failure to deliver, or other issues caused by wireless carriers or third-party messaging providers. Delivery of SMS messages is not guaranteed and depends on carrier network availability.

10. Age Restriction

By submitting any personal information or consenting to SMS messages, you affirm that you are at least 18 years of age.

11. Changes to These Terms

We may update these Terms at any time. Updated versions will be posted on the Website with a revised effective date.

Your continued use of the Website constitutes acceptance of the updated Terms.

12. Contact

If you have any questions about these Terms, the Privacy Policy, or SMS use, you may contact us at:

📧 [email protected]

📍 447 Broadway, 2nd Floor, New York, NY 10013

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