Terms and Conditions of Use

Welcome to the website of Inuity Insurance Company, Inc. (“Inuity,” “we,” “us,” or “our”). By accessing or using this website (the “Site”), you agree to the following Terms and Conditions. Please read them carefully.

1. Use of the Site

This Site is provided for informational and transactional purposes related to insurance products offered by Inuity. By using the Site, you represent that you are at least 18 years of age and legally able to enter into binding agreements.

All activity on the Site, including but not limited to browsing, account creation, policy applications, and transactions, is contractually deemed to occur within the jurisdiction and geographic bounds of the Modoc Nation. By using the Site, you consent to the personal and subject matter jurisdiction of the Modoc Nation’s courts and regulatory authorities.

2. Coverage Requests and Underwriting Approval

All requests to add, remove, or modify coverage are subject to underwriting approval. No change to coverage, limits, or insured drivers is effective until an official endorsement has been issued in writing by Inuity Insurance. Submitting a request, application, or payment does not, by itself, alter or extend coverage.

3. Nature of Coverage

Unless expressly stated otherwise in a written policy:

• No policies provide liability protection for injuries to others or damage to other property.
• Coverage offered is excess over the renter’s primary auto policy and is subject to the terms, conditions, exclusions, and limits set forth in the policy contract.

4. Regulatory Status and Surplus Lines Disclosures

• Inuity Insurance Company, Inc. is domiciled and regulated under the laws of the Modoc Nation, a federally recognized Indian tribe.
• Inuity is not admitted in any U.S. state.
• This Site is not an offer to sell insurance, nor is it a solicitation to purchase insurance, in any jurisdiction where such activity would be unlawful.
• To the extent a policy is deemed to be sold in a state where Inuity is not an authorized insurer, such coverage is provided under that state’s surplus lines or export provisions for special risks where no admitted or non-admitted carrier offers coverage.
• No state insurance guaranty fund or association provides protection in the event of Inuity’s insolvency.

5. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, trademarks, and software, is the property of Inuity or its licensors. You may not copy, modify, distribute, or create derivative works without express written consent.

6. User Responsibilities

By using this Site, you agree not to:

• Misrepresent your identity or eligibility for insurance products.
• Attempt to gain unauthorized access to systems, accounts, or data.
• Use the Site for unlawful purposes or in violation of these Terms.

7. Limitation of Liability

To the fullest extent permitted by law, Inuity and its officers, employees, and affiliates disclaim liability for any damages arising from your use of the Site, except as expressly required under applicable policy contracts.

8. Governing Law and Jurisdiction

These Terms, and all activity conducted on or through the Site, are governed by and shall be construed exclusively under the laws of the Modoc Nation. By using the Site, you irrevocably consent to the personal and subject matter jurisdiction of the Modoc Nation’s courts for all disputes arising out of or related to your use of the Site, policies, or transactions.

9. SMS Messaging Terms (10DLC Compliance)

• By providing your mobile number, you consent to receive SMS messages from Inuity Insurance related to account security, authentication, policy updates, and transactional communications.
• SMS messages are strictly transactional and may include one-time passcodes (OTPs), login confirmations, password resets, and account security alerts.
• Message and data rates may apply. Frequency of messages will vary depending on account activity.
• You may opt out at any time by replying STOP. After opting out, you will no longer receive verification or account-related messages by SMS.
• Reply HELP for customer support. You can also reach us at (888) 965-7199 or legal@inuityinsurance.com.
• Delivery of SMS messages is subject to your carrier’s availability, and Inuity Insurance is not responsible for delayed or undelivered messages.

10. Electronic Transactions and Consent

By using this Site, you agree to conduct transactions electronically and consent to the use of electronic records, signatures, and communications. Electronic communications, including SMS messages, shall have the same legal force and effect as if in writing. If you do not consent, you must discontinue use of the Site.

11. California Consumer Rights

California residents are entitled to certain rights under the California Consumer Privacy Act (CCPA/CPRA), including the right to know what personal information is collected, used, and disclosed, the right to request deletion or correction of personal information, and the right to opt out of certain data uses. Please review our Privacy Policy for details on how to exercise these rights.

12. Limitation of Liability and Consumer Protections

The limitation of liability set forth in these Terms applies to the fullest extent permitted by law. Nothing in these Terms is intended to waive or limit any non-waivable rights that you may have as a consumer under applicable California law.

13. Data Security and Privacy

We implement commercially reasonable safeguards to protect personal information collected through the Site and SMS communications. For more details, please review our Privacy Policy.

14. Changes to Terms

We may update these Terms from time to time. Any changes will be effective upon posting to the Site with an updated “Last Updated” date. Continued use of the Site after changes constitutes acceptance.

15. Contact Us