FoCoIns.com Terms of Service

Effective Date: August 7, 2025

Welcome to FoCoIns.com. These Terms of Service ("Terms") govern your access to and use of the website focoins.com (the "Website") and the insurance brokerage services offered by FoCoIns ("we," "us," or "our"). By accessing or using our Website and services, you agree to be bound by these Terms and our Privacy Policy.

1. Acceptance of Terms

By using this Website, you signify your acceptance of these Terms. If you do not agree to these Terms, please do not use our Website. Your continued use of the Website following the posting of changes to these Terms will be deemed your acceptance of those changes.

2. Description of Services

FoCoIns provides an online platform where users can request and compare insurance quotes from various third-party insurance carriers. We act as an independent insurance agency and broker. Our services include providing information, generating quotes, and assisting with the purchase and management of insurance policies. All insurance policies are offered and underwritten by third-party insurance companies, not by FoCoIns.

3. User Accounts and Responsibilities

  • Account Creation: To access certain features, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate.
  • Account Security: You are responsible for safeguarding your password and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
  • Eligibility: You must be at least 18 years of age to use our services and have the legal capacity to enter into binding contracts.

4. Use of the Website

You agree to use the Website and our services only for lawful purposes. You are prohibited from:

  • Using the Website in any way that could damage, disable, overburden, or impair the site.
  • Attempting to gain unauthorized access to any part of the Website, other accounts, or computer systems connected to the Website.
  • Using any automated means, such as bots or scrapers, to access the Website for any purpose without our express written permission.
  • Providing false or misleading information in connection with insurance applications or your user account.

5. Insurance Quotes and Coverage

  • Quotes are Estimates: All insurance quotes provided on the Website are estimates based on the information you provide. Final premium rates are determined by the insurance carrier after the completion of their underwriting process and may differ from the initial quote.
  • No Coverage Bound: Submitting an application or receiving a quote does not constitute a binder of insurance coverage. Coverage is only effective when you receive a formal policy or binder from the insurance carrier.
  • Accuracy of Information: You are responsible for the accuracy and completeness of the information you provide for any insurance application. Misrepresentation can lead to the denial of a claim or cancellation of your policy.

6. Disclaimers

THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. FOCOINS MAKES NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE OPERATION OF THE WEBSITE OR THE INFORMATION, CONTENT, OR SERVICES INCLUDED. WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

WE DO NOT WARRANT THAT THE WEBSITE, ITS SERVERS, OR EMAIL SENT FROM US ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FOCOINS, ITS AFFILIATES, OFFICERS, AND EMPLOYEES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

8. Indemnification

You agree to indemnify, defend, and hold harmless FoCoIns, its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with your access to or use of the Website and our services.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Larimer County, Colorado.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. We will post the revised Terms on the Website and update the "Effective Date" to reflect the date of the changes. By continuing to use our Website after we post any such changes, you accept the Terms as modified.

11. Contact Us

If you have any questions about these Terms of Service, please contact us:

  • Email: info@focoins.com
  • Phone: 970-204-4553
  • Mailing Address:
    ‍    Fort Collins Insurance
    4025 Automation Way Ste E3, Fort Collins, CO 80525