Terms and Conditions

Effective Date: December 16, 2024
Last Updated: December 16, 2025

IMPORTANT: THESE TERMS AND CONDITIONS ("TERMS") CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND SUMMITGATE INSURANCE PARTNERS ("WE," "US," "OUR," OR "COMPANY"). BY ACCESSING OR USING THIS WEBSITE, SUBMITTING ANY INFORMATION, OR REQUESTING A QUOTE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THIS WEBSITE.

1. Acceptance of Terms

By accessing, browsing, or using www.summitgateinsurance.com (the "Website"), submitting any form, providing any information, or requesting insurance quotes, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all users of the Website, including without limitation users who are browsers, customers, merchants, vendors, and contributors of content.

2. Modification of Terms

We reserve the right to modify, amend, or update these Terms at any time, in our sole discretion, without prior notice. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms. It is your responsibility to check these Terms periodically for changes.

The date of last modification is indicated at the top of this page.

3. Nature of Service

3.1 Insurance Quote Service

SummitGate Insurance Partners operates as an insurance broker, agency, and marketing platform. We:

3.2 Not an Insurance Carrier

WE ARE NOT AN INSURANCE COMPANY. We do not underwrite, issue, or guarantee any insurance policies. All insurance policies are issued by licensed insurance carriers. We act solely as an intermediary and marketing platform.

3.3 No Guarantee of Coverage

Submitting a quote request does not guarantee that you will:

4. Information Submission and Consent

4.1 Accuracy of Information

You represent and warrant that all information you provide is:

You agree to update any information that becomes inaccurate or outdated.

4.2 Consent to Contact

BY SUBMITTING YOUR INFORMATION, YOU EXPRESSLY CONSENT TO BE CONTACTED BY:

Via multiple methods including:

This consent applies even if your telephone number is registered on any Do Not Call list. You may receive multiple contacts per day from various parties. You are not required to provide this consent as a condition of purchasing insurance, but refusing consent may limit our ability to serve you.

4.3 Information Sharing

You acknowledge and consent to us sharing, selling, and disclosing your information as described in our Privacy Policy, including to insurance companies, marketing partners, data brokers, and other third parties.

5. No Professional Advice

THE INFORMATION ON THIS WEBSITE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE PROFESSIONAL ADVICE.

We do not provide:

You should consult with qualified professionals regarding your specific situation. Do not rely solely on information from this Website for making insurance decisions.

6. Disclaimer of Warranties

THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SUMMITGATE INSURANCE PARTNERS SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO:

THIS LIMITATION APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow limitation of liability for certain types of damages, so some of the above limitations may not apply to you.

8. Indemnification

YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS SUMMITGATE INSURANCE PARTNERS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND PARTNERS FROM ANY AND ALL CLAIMS, LOSSES, DAMAGES, LIABILITIES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES) ARISING FROM:

9. Third-Party Relationships

9.1 Insurance Carriers and Agents

When you are connected with insurance carriers, agents, or brokers:

9.2 Third-Party Websites

Our Website may contain links to third-party websites. We do not control, endorse, or assume responsibility for any third-party websites or their content. Your use of third-party websites is at your own risk and subject to their terms and policies.

10. Intellectual Property

10.1 Our Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, software, and design, is the property of SummitGate Insurance Partners or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

10.2 User Submissions

By submitting any content, feedback, suggestions, or materials to us, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish, distribute, and display such content for any purpose.

11. Prohibited Uses

You agree not to use the Website for any unlawful purpose or in any way that:

12. Termination

We reserve the right to:

Upon termination, your right to use the Website ceases immediately. Provisions that by their nature should survive termination shall survive, including but not limited to disclaimers, limitations of liability, indemnification, and dispute resolution provisions.

13. Dispute Resolution and Arbitration

13.1 Binding Arbitration

YOU AND SUMMITGATE INSURANCE PARTNERS AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE SHALL BE RESOLVED EXCLUSIVELY THROUGH BINDING ARBITRATION, RATHER THAN IN COURT.

Arbitration will be conducted by a single arbitrator under the Commercial Arbitration Rules of the American Arbitration Association (AAA).

13.2 Class Action Waiver

YOU AND SUMMITGATE INSURANCE PARTNERS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

You waive your right to:

13.3 Jury Trial Waiver

YOU AND SUMMITGATE INSURANCE PARTNERS WAIVE THE RIGHT TO A TRIAL BY JURY.

13.4 Location and Fees

Arbitration shall take place in Polk County, Iowa. Each party shall bear their own attorneys' fees and costs unless otherwise awarded by the arbitrator.

13.5 Opt-Out

You may opt out of arbitration by sending written notice to us within 30 days of first using the Website. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration. Send to: SummitGate Insurance Partners, Des Moines, Iowa.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Iowa, without regard to its conflict of law provisions.

To the extent arbitration does not apply, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in Polk County, Iowa, and you consent to personal jurisdiction and venue in such courts.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and SummitGate Insurance Partners regarding the use of the Website and supersede all prior agreements and understandings.

17. No Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by us.

18. Assignment

We may assign our rights and obligations under these Terms without your consent. You may not assign your rights or obligations without our prior written consent.

19. Electronic Communications

By using the Website, you consent to receive electronic communications from us. These communications may include notices, agreements, disclosures, and other information. You agree that any such electronic communications satisfy any legal requirement that such communications be in writing.

20. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

21. SMS/Text Messaging Terms

By providing your mobile phone number, you consent to receive text messages from us and our partners. Messages may include insurance quotes, promotional offers, and service updates. Message and data rates may apply. Message frequency varies. Text STOP to opt out or HELP for assistance. Carriers are not liable for delayed or undelivered messages.

22. Email Communications

By providing your email address, you consent to receive emails from us and our partners. You may unsubscribe from marketing emails by following the unsubscribe instructions in the email, but we may still send you transactional or service-related emails.

23. Insurance Licensing Disclosure

SummitGate Insurance Partners operates as a licensed insurance agency/broker in applicable states. Insurance products and services are offered through properly licensed entities. Not all products are available in all states.

24. Financial Compensation Disclosure

We may receive compensation, commissions, or fees from insurance carriers, agents, and other partners when you purchase insurance through our services. This compensation may vary by carrier and product.

25. Contact Information

For questions about these Terms, contact us at:

SummitGate Insurance Partners
Email: support@summitgateinsurance.com
Phone: (515) 318-8365
Address: Des Moines, Iowa

26. Acknowledgment and Acceptance

BY USING THIS WEBSITE, SUBMITTING INFORMATION, OR REQUESTING QUOTES, YOU ACKNOWLEDGE THAT:

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEBSITE OR SUBMIT ANY INFORMATION.