Terms & Conditions

Last updated: September 30, 2025

Welcome to Winter Garden Insurance Company (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://www.wintergardeninsurancecompany.com (the “Website”) and any services offered through the Website (collectively, “Services”). By using or accessing the Website or Services, you agree to be bound by these Terms. If you do not agree, do not use the Website or Services.

1. Acceptance of Terms

1.1. By using the Website, requesting quotes, or submitting information, you accept and agree to these Terms and our Privacy Policy.

1.2. We reserve the right to modify, suspend, or discontinue the Website or Services (in whole or in part) at any time, with or without notice. Your continued use after changes are posted constitutes your acceptance of the modified Terms.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into binding agreements. By using the Website or Services, you represent and warrant that you meet these eligibility requirements.

3. Use of Website & Services

3.1 Permitted Use

You may use the Website and Services only for lawful, personal, or business purposes, in accordance with these Terms.

3.2 Prohibited Use

You agree not to:

Use the Website in any way that breaches laws, regulations, or third-party rights;
Use automated systems, like bots or spiders, to collect data from the Website without permission;
Attempt to gain unauthorized access to any portion of the Website, user accounts, or computer systems;
Use the Website to transmit spam, phishing, or other unsolicited communications;
Interfere with or disrupt the Website’s operation or servers;
Misrepresent your identity or impersonate others;
Use content from the Website (text, images, code, etc.) in violation of intellectual property or other rights.

4. User Submissions & Quotes

4.1 Providing Information: In order to obtain insurance quotes, you may be asked to submit personal, property, vehicle, contact, financial, or other information (“User Data”). You represent that all information you submit is accurate, complete, and not misleading.

4.2 Use of Data: By submitting User Data, you acknowledge and agree that we (and our authorized agents and partners) may use that data to generate insurance quotes, share it with insurance carriers or underwriters for quoting and underwriting purposes, communicate with you (including by email, phone calls, or text messages), and for internal business purposes, consistent with our Privacy Policy.

4.3 No Guarantee of Coverage: Submitting a quote request does not guarantee that coverage will be available, nor that the terms or price will match the quote you see. Final acceptance, pricing, and terms are subject to underwriting criteria.

5. Intellectual Property

5.1 Ownership: All content, design, graphics, logos, icons, images, software, and code on the Website (the “Content”) are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License: We grant you a limited, revocable, nonexclusive license to access and use the Website and content for your personal use, subject to these Terms. You may not copy, reproduce, modify, distribute, display, or otherwise exploit the Content without our prior written permission.

6. Disclaimers & Limitation of Liability

6.1 Disclaimer of Warranties: The Website and Services are provided “as is” and “as available,” without warranties of any kind—whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, we disclaim all warranties of merchantability, fitness for a particular purpose, noninfringement, and any warranty arising from course of dealing or usage.

6.2 No Liability for Errors: We do not warrant that the Website is error-free, secure, or free from interruptions. We are not responsible for any inaccuracies, omissions, or delays in content.

6.3 Limitation of Liability: To the fullest extent permitted by law, in no event will we (or our officers, employees, agents, or affiliates) be liable to you or any third party for any indirect, incidental, special, exemplary, punitive, or consequential damages (e.g., loss of profit, business interruption, loss of data) arising from or in connection with your use of or inability to use the Website or Services, even if we have been advised of the possibility of such damages. Our total cumulative liability arising from or relating to these Terms or your use of the Website or Services will not exceed the greater of (a) the amount paid by you, if any, to us for the relevant Service or (b) one hundred dollars (US$100).

7. Indemnification

You agree to defend, indemnify, and hold us (and our officers, directors, employees, agents, and affiliates) harmless from and against any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

your use or misuse of the Website or Services;
your violation of these Terms;
your violation of any third-party rights;
any inaccurate or misleading information you submit;
your negligent or willful acts or omissions.

8. Third-Party Links & Services

The Website may contain links to third-party websites or use third-party services. Those links and integrations are provided for your convenience. We do not control or endorse the content, practices, or services of those third parties. Your use of them is at your own risk, and you should review their terms and privacy policies.

9. Termination

9.1 Termination by Us: We may suspend or terminate your access to the Website or Services at any time, for any reason, with or without notice.

9.2 Effect of Termination: Upon termination, all rights granted to you under these Terms will cease, and you must stop using the Website. Sections that by their nature should survive (e.g., “Intellectual Property,” “Disclaimers,” “Limitation of Liability,” “Indemnification”) will survive termination.

10. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Florida (or whichever state your company operates in), without regard to conflict of law doctrines. You agree that any legal action or proceeding arising under or relating to these Terms will be brought exclusively in the state or federal courts located in [County], Florida, and you consent to the personal jurisdiction and venue therein.

11. Severability & Waiver

If any provision of these Terms is held invalid, unenforceable, or void, that provision will be limited or eliminated to the minimum extent necessary, so that the remaining provisions will remain in full force and effect. No waiver by us of any breach or default by you will be deemed a waiver of any subsequent breach or default.

12. Notices

All notices under these Terms will be in writing and delivered via email (to your registered address) or by posting on the Website. Notices will be considered given upon receipt (for email) or posting (for website).

13. Entire Agreement

These Terms (together with our Privacy Policy and any additional terms or disclaimers posted on the Website) constitute the entire agreement between you and us concerning your use of the Website and Services, superseding all prior or contemporaneous agreements, proposals, or communications, whether oral or written, regarding the subject matter.

Contact Us

If you have questions about these Terms, you may contact:

Winter Garden Insurance Company
1118 Brick Road
Winter Garden, FL 34787
Email: karen@wintergardeninsurancecompany.com
Phone: 407-201-1946