{"id":200,"date":"2026-07-08T20:16:00","date_gmt":"2026-07-08T20:16:00","guid":{"rendered":"https:\/\/yrinsuranceservices.com\/terminos-condiciones\/"},"modified":"2026-07-08T20:16:00","modified_gmt":"2026-07-08T20:16:00","slug":"terminos-condiciones","status":"publish","type":"page","link":"https:\/\/yrinsuranceservices.com\/en\/terminos-condiciones\/","title":{"rendered":"T\u00e9rminos y Condiciones | YR Seguros"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"200\" class=\"elementor elementor-200\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e16ef0e e-con-full e-flex e-con e-parent\" data-id=\"e16ef0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e01593 elementor-widget elementor-widget-html\" data-id=\"8e01593\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.sb-lg *{box-sizing:border-box;}\n.sb-lg{background:#fff;color:#333;padding:80px 24px 96px;font-family:'Barlow',sans-serif;}\n@media(min-width:768px){.sb-lg{padding:120px 32px 128px;}}\n.sb-lg-wrap{max-width:820px;margin:0 auto;}\n.sb-lg .eb{color:#2A9ECF;font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 12px;}\n.sb-lg h1{font-family:'Barlow',serif;font-weight:800;font-size:clamp(32px,5vw,46px);line-height:1.15;letter-spacing:-.02em;color:#0A0A0A;margin:0 0 12px;}\n.sb-lg .updated{font-size:13px;color:#888;margin:0 0 36px;border-bottom:1px solid #E5E7EB;padding-bottom:24px;}\n.sb-lg h2{font-family:'Barlow',serif;font-weight:700;font-size:22px;color:#0A0A0A;margin:36px 0 14px;}\n.sb-lg h3{font-family:'Barlow',sans-serif;font-weight:700;font-size:16px;color:#0A0A0A;margin:24px 0 10px;}\n.sb-lg p{font-size:15px;line-height:1.7;color:#444;margin:0 0 14px;}\n.sb-lg ul,.sb-lg ol{margin:10px 0 18px;padding-left:24px;font-size:15px;line-height:1.75;color:#444;}\n.sb-lg ul li,.sb-lg ol li{margin-bottom:6px;}\n.sb-lg a{color:#0A0A0A;font-weight:600;border-bottom:2px solid #2A9ECF;text-decoration:none;}\n.sb-lg a:hover{color:#2A9ECF;}\n.sb-lg .callout{background:#EAF4FB;border-left:4px solid #2A9ECF;padding:18px 22px;border-radius:6px;margin:18px 0 22px;font-size:14px;color:#0A0A0A;}\n.sb-lg .callout strong{display:block;margin-bottom:4px;}\n<\/style><section class=\"sb-lg\">\n  <div class=\"sb-lg-wrap\">\n    <p class=\"eb\">Legal information<\/p>\n    <h1>Terms and Conditions<\/h1>\n    <p class=\"updated\">Last updated: May 18, 2026 \u00b7 Applicable to yrinsuranceservices.com<\/p>\n    <div class=\"callout\"><strong>In plain language:<\/strong> Estos t\u00e9rminos describen las reglas para usar yrinsuranceservices.com y solicitar cotizaciones a trav\u00e9s de YR Insurance Services YR Insurance Services Hialeah. Al usar este sitio aceptas estos t\u00e9rminos.<\/div>\n    <h2>1. Acceptance of the terms<\/h2>\n    <p>By accessing yrinsuranceservices.com, filling out a quote request form, or contacting us through any channel, you agree to these terms in full. If you do not agree, please do not use the site.<\/p>\n    <h2>2. Services offered<\/h2>\n    <p>YR Insurance Services YR Insurance Services Hialeah ofrece, a trav\u00e9s de este sitio, los siguientes servicios:<\/p>\n    <ul>\n      <li>Information about insurance products available in Florida.<\/li>\n      <li>Free, no-obligation quotes for car, home, business, health, and life insurance.<\/li>\n      <li>Personalized advice from licensed FL OIR agents.<\/li>\n      <li>Issuance and management of policies with authorized companies in Florida.<\/li>\n    <\/ul>\n    <p>YR Insurance Services YR Insurance Services Hialeah act\u00faa como <strong>independent broker<\/strong> between you and the final insurer. The policy remains contractually between you and the insurer; YR facilitates the process and assists you in its management.<\/p>\n    <h2>3. Requirements for using the site<\/h2>\n    <ul>\n      <li>Be over 18 years of age (or have a legal guardian acting on your behalf).<\/li>\n      <li>Provide truthful and up-to-date information in forms and communications.<\/li>\n      <li>Must be a resident of the United States (most products are for Florida residents only; some visitor products are available).<\/li>\n    <\/ul>\n    <h2>4. Quotations \u2014 what they are and what they are NOT<\/h2>\n    <p>The quotes you receive are <strong>indicative and non-binding<\/strong> up to the moment of:<\/p>\n    <ol>\n      <li>full underwriting by the insurer.<\/li>\n      <li>Verification of the information provided (driving history, credit, ownership, etc.).<\/li>\n      <li>Payment of the first premium.<\/li>\n      <li>Formal issuance of the policy by the insurer.<\/li>\n    <\/ol>\n    <p>The final price may differ from the quoted price if the information you provided changes or is inaccurate.<\/p>\n    <h2>5. Your obligations<\/h2>\n    <ul>\n      <li>Tell the truth on forms and communications (false information may invalidate your policy).<\/li>\n      <li>Notify relevant changes (moving, new car, new drivers, accidents, citations).<\/li>\n      <li>Pay the premiums according to the terms agreed with the insurer.<\/li>\n      <li>Keep your contact information up to date.<\/li>\n    <\/ul>\n    <h2>6. Acceptable use of the site<\/h2>\n    <p>You CAN&#039;T:<\/p>\n    <ul>\n      <li>Using the site for illegal or fraudulent purposes.<\/li>\n      <li>Scraping, mass copying, or using unauthorized bots.<\/li>\n      <li>Attempting to compromise the security of the site or other users.<\/li>\n      <li>Publishing false, defamatory content or content that violates the rights of third parties.<\/li>\n      <li>Impersonating another person or entity.<\/li>\n    <\/ul>\n    <h2>7. Limitation of liability<\/h2>\n    <p>To the fullest extent permitted by Florida law:<\/p>\n    <ul>\n      <li>YR Insurance Services YR Insurance Services Hialeah ofrece el sitio \"tal cual\" sin garant\u00edas expresas o impl\u00edcitas de funcionamiento perfecto.<\/li>\n      <li>We are not responsible for the underwriting decision of the insurers (which is independent).<\/li>\n      <li>We are not responsible for indirect, consequential, or punitive damages arising from the use of the site.<\/li>\n      <li>La responsabilidad m\u00e1xima de YR Insurance Services YR Insurance Services Hialeah en cualquier reclamo relacionado con este sitio se limita a las comisiones efectivamente cobradas en los 12 meses previos al hecho que origina el reclamo.<\/li>\n    <\/ul>\n    <p>This limitation does not apply to cases of fraud, gross negligence, or where the law does not allow limitation of liability.<\/p>\n    <h2>8. Compensation<\/h2>\n    <p>Aceptas indemnizar y eximir de responsabilidad a YR Insurance Services YR Insurance Services Hialeah, sus directivos, empleados y agentes de cualquier reclamo derivado de: (i) tu incumplimiento de estos t\u00e9rminos, (ii) informaci\u00f3n falsa proporcionada por ti, (iii) uso indebido del sitio.<\/p>\n    <h2>9. Intellectual Property<\/h2>\n    <p>Todo el contenido del sitio (textos, gr\u00e1ficos, c\u00f3digo, dise\u00f1os) es propiedad de YR Insurance Services Corp o sus licenciantes. Puedes ver e imprimir el contenido para uso personal y no comercial. Cualquier otro uso requiere autorizaci\u00f3n escrita.<\/p>\n    <h2>10. Service modifications<\/h2>\n    <p>YR Insurance Services YR Insurance Services Hialeah se reserva el derecho de modificar, suspender o discontinuar cualquier aspecto del sitio o servicio en cualquier momento, con o sin previo aviso, sin responsabilidad ante ti o terceros.<\/p>\n    <h2>11. Termination<\/h2>\n    <p>We may suspend or terminate your access to the site if you violate these terms or if required by law. Provisions that by their nature should survive termination (limitation of liability, intellectual property, applicable law) remain in effect after termination.<\/p>\n    <h2>12. Applicable law and dispute resolution<\/h2>\n    <p>These terms are governed by the laws of the State of Florida, USA, without regard to conflict of law principles. Any dispute arising from these terms will first be attempted to be resolved through good faith negotiation between the parties. If no agreement is reached within 60 days, the dispute will be submitted to:<\/p>\n    <ul>\n      <li>Non-binding mediation in Miami-Dade County, Florida.<\/li>\n      <li>If mediation does not resolve the issue, mandatory arbitration will be initiated under the rules of the American Arbitration Association (AAA), Miami-Dade.<\/li>\n    <\/ul>\n    <p>You waive the right to sue as part of a class action. This clause does not apply to disputes that FL OIR regulations require to be resolved in court.<\/p>\n    <h2>13. Full Terms<\/h2>\n    <p>These terms along with the <a href=\"\/en\/aviso-legal\/\">Legal Notice<\/a> and the <a href=\"\/en\/politica-privacidad\/\">Privacy Policy<\/a> constituyen el acuerdo completo entre ti y YR Insurance Services YR Insurance Services Hialeah respecto al uso de este sitio.<\/p>\n    <h2>14. Contact<\/h2>\n    <p>Questions about these terms: <a href=\"mailto:info@yrinsuranceservices.com\">info@yrinsuranceservices.com<\/a> \u00b7 <a href=\"#cotizar\">Get a free quote!<\/a>.<\/p>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-200","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>T\u00e9rminos y Condiciones | YR Seguros - yrinsuranceservices.com<\/title>\n<meta name=\"description\" content=\"Terminos y condiciones de uso del sitio de YR Insurance Services, agencia de seguros en Florida, atencion 100% en espanol.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yrinsuranceservices.com\/en\/terminos-condiciones\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"T\u00e9rminos y Condiciones | YR Seguros\" \/>\n<meta property=\"og:description\" content=\"Terminos y condiciones de uso del sitio de YR Insurance Services, agencia de seguros en Florida, atencion 100% en espanol.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/yrinsuranceservices.com\/en\/terminos-condiciones\/\" \/>\n<meta property=\"og:site_name\" content=\"yrinsuranceservices.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/yrinsuranceservices.com\\\/terminos-condiciones\\\/\",\"url\":\"https:\\\/\\\/yrinsuranceservices.com\\\/terminos-condiciones\\\/\",\"name\":\"T\u00e9rminos y Condiciones | YR Seguros - 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