Terms of Use

Acceptance of these terms

By accessing or using this website, the INVO marketplace or any submission form hosted here, you agree to these Terms of Use. If you do not agree, please do not use the site.

Who may use this site

This site is intended for licensed insurance professionals acting in a business capacity. It is not intended for consumers seeking to purchase insurance directly. You are responsible for holding the licenses and authority required to submit business and for the accuracy of everything you submit.

No offer, quote or binding authority

Content on this site, including marketplace search results, appetite guides, division pages and class listings, is provided for general informational purposes. It is not an offer of insurance, a quote, a confirmation of coverage or a commitment to bind. No coverage is bound and no submission is accepted until confirmed in writing by an authorized INVO representative and the applicable carrier. Appetite, eligibility, pricing and market availability change and may differ from what is shown here.

Submissions and uploaded content

You represent that you have the authority to share any information or document you submit, including client information, and that it is accurate and complete. You grant us permission to use, store and share submitted materials with carriers, markets and service providers as needed to evaluate and service the business. Handling of that information is described in our Privacy Policy.

Acceptable use

• Do not misrepresent your identity, agency or licensing status.
• Do not submit false, fraudulent or unauthorized information.
• Do not scrape, copy or redistribute marketplace or appetite data for competitive or commercial purposes.
• Do not attempt to gain unauthorized access to the site, the admin console, private storage or any connected system.
• Do not interfere with or disrupt the site's operation or security.

Accounts and access

Some areas of this site require authorized credentials. You are responsible for maintaining the confidentiality of your credentials and for activity that occurs under them. We may suspend or terminate access at any time, including for suspected misuse.

Intellectual property

The INVO name, logo, site design, written content and compiled market data are owned by INVO Underwriting LLC or its licensors. Carrier names and logos are the property of their respective owners and are shown for identification only. You may not reproduce or distribute site content without permission.

Third-party sites and services

This site links to third-party resources such as carrier portals, rating platforms, payment providers and hosted forms. We do not control those services and are not responsible for their content, availability, terms or privacy practices.

Disclaimers and limitation of liability

The site is provided "as is" and "as available" without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the site will be uninterrupted, error free or that information shown is current or complete. To the fullest extent permitted by law, INVO Underwriting LLC is not liable for indirect, incidental, special, consequential or punitive damages, or for any lost business, profits or data, arising out of your use of this site.

Changes to the site and terms

We may modify or discontinue any part of the site at any time and may update these terms. The effective date above reflects the most recent revision. Continued use after an update means you accept the revised terms.

Governing law

These terms are governed by the laws of the state in which INVO Underwriting LLC maintains its principal place of business, without regard to conflict-of-law rules.

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