# Zak's Insurance Recruiting Leads Terms & Conditions
Effective Date: 10/13/2026
Last Updated: 10/13/2026
Welcome to Zak's Insurance Recruiting Leads ("Zak's Insurance Recruiting Leads," "we," "us," or "our"). By accessing or using our website, requesting information, an estimate, or a consultation, or opting in to SMS/text messaging, you agree to these Terms & Conditions. Please read them carefully.
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## I. Program Overview
Our website and communications provide information about insurance services and help respond to inquiries or connect prospective customers with insurance professionals, where requested. If you opt in to SMS or other electronic communications, you agree to receive messages related to:
- Your insurance information, quote, or consultation request
- Policy review inquiries
- Claims processing inquiries and related follow-up
- Risk assessment or risk management inquiries
- Homeowners and residential property coverage
- Business liability and commercial coverage
- Auto insurance and commercial vehicle coverage
- Appointment scheduling, confirmations, and reminders
- Customer support and service updates
Message frequency varies based on your requests and communication preferences. Promotional messages, if any, will be sent only where you have separately opted in when required.
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## II. SMS / Mobile Messaging Terms
By providing your mobile number and opting in, you consent to receive recurring SMS/text messages from Zak's Insurance Recruiting Leads about your inquiry, requested insurance information or consultation, appointment details, follow-up, and customer support.
Message terms
- Message and data rates may apply.
- Message frequency varies.
- Message delivery is not guaranteed. Wireless carriers are not responsible for delayed or undelivered messages.
- Participation is voluntary and requires your consent.
- Consent to receive SMS messages is not a condition of purchasing any goods or services.
Opt-out instructions
Reply STOP at any time to unsubscribe. You will receive a confirmation message, and we will not send additional SMS messages unless you opt in again. Reply HELP for assistance.
SMS support contact
Phone: (586) 846-0824
Email: [email protected]
For information about how we collect and use information, please review our Privacy Policy.
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## III. Insurance Information and Services
We provide information and respond to inquiries relating to insurance services, which may include policy review, claims assistance, risk assessment, homeowners and residential property coverage, business liability and commercial coverage, auto insurance, and commercial vehicle coverage. The services available to you depend on your location, circumstances, and the providers with whom we work.
Unless expressly stated in a separate written agreement, Zak's Insurance Recruiting Leads is not an insurance company and does not itself issue, underwrite, or guarantee insurance policies or coverage. Insurance products, advice, quotes, eligibility, and services may be provided by independent insurance professionals or other third parties. Any insurance policy is subject to its own terms, conditions, exclusions, underwriting, and approval. We do not guarantee that a particular policy, price, coverage, claim outcome, or provider will be available or suitable for you.
Website content is general information and is not a substitute for reviewing policy documents or obtaining advice from a qualified insurance professional. For coverage questions or claims decisions, consult the relevant insurer or licensed professional.
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## IV. Use of Our Website
You agree to use our website only for lawful purposes and in a manner that does not interfere with its operation or infringe the rights of others. You agree not to:
- Submit false or misleading information
- Attempt unauthorized access to our website or systems
- Use the website for fraudulent or unlawful activities
- Interfere with the security or functionality of the website
- Copy or misuse website content without permission
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## V. Your Responsibilities
You are responsible for providing accurate and complete information in connection with your inquiry and for reviewing any quote, application, policy, or other document provided to you. You should promptly correct or update information that is inaccurate or has changed. Do not send sensitive personal or financial information through an unsecured form or text message unless we specifically provide a secure method and explain what is needed.
You are responsible for deciding whether to apply for, purchase, maintain, or change insurance coverage. Review policy terms, limits, exclusions, and conditions with the insurer or licensed professional before making a decision.
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## VI. No Guarantee of Results
We make no guarantee that an inquiry will result in a quote, policy, referral, coverage, claims payment, or particular outcome. Availability, eligibility, prices, coverage terms, and claims decisions are determined by the applicable insurance provider and are subject to its underwriting and policy terms. Information on our website may not describe every available product or apply to every person's circumstances.
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## VII. Estimates, Quotes, Payment, and Billing
Any estimate or quote is based on information available at the time and may change after further review by the applicable insurance provider. A quote is not an insurance policy or a guarantee that coverage will be issued. Coverage is effective only as confirmed by the insurer and subject to the policy documents and applicable requirements.
Any fees charged by us, an insurance professional, or another provider will be disclosed separately and governed by the applicable written agreement or invoice. You are responsible for reviewing and accepting those terms before purchasing a service or policy.
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## VIII. Intellectual Property
Website content, including text, graphics, logos, branding, images, photographs, service descriptions, and marketing materials, belongs to Zak's Insurance Recruiting Leads or its respective content owners unless otherwise noted. It may not be copied, reproduced, distributed, modified, or used without prior written permission.
## IX. Limitation of Liability
To the fullest extent permitted by applicable law, Zak's Insurance Recruiting Leads is not liable for indirect, incidental, special, or consequential damages; loss of profits; delays or interruptions beyond our reasonable control; or decisions, acts, or omissions of independent insurance professionals, insurers, or other third-party providers.
To the fullest extent permitted by applicable law, our total liability for a claim related to our website or services will not exceed the amount, if any, you paid directly to us for the specific service giving rise to the claim. Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.
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## X. Suspension or Termination
We may refuse, suspend, or terminate access to our website or services if you violate these Terms, provide information for fraudulent or unlawful purposes, fail to meet payment obligations for an agreed service, or engage in conduct that creates a safety, security, or legal concern. Where reasonably possible, we may provide notice before suspending or terminating a service.
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## XI. Changes to These Terms
We may revise these Terms & Conditions from time to time. Changes become effective when posted on our website with an updated Last Updated date. Your continued use of our website or services after changes are posted indicates your acknowledgment of the revised Terms.
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## XII. Contact Us
If you have questions about these Terms & Conditions or our SMS communications, contact us:
Zak's Insurance Recruiting Leads
Email: [email protected]
Phone: (586) 846-0824
Address: 950 Stevenson HWY, Troy MI 48083