Terms & Conditions

Welcome to CMB, LLC. Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the CMB, LLC website or insurance services operated by CMB, LLC ("we", "us", "our"). By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these Terms, please do not use our website or services.

1. Eligibility

To use our services, you must be at least 18 years of age. By using this site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into binding contracts. If you are under 18, you may not use the site or services.

2. Privacy and SMS Communication

We are committed to protecting your privacy. By checking the box and clicking any submission button on our site, you acknowledge and agree to the following: You represent that you are 18+ years of age. You understand that the CMB, LLC site is privately owned and not affiliated with or endorsed by any government agency.

By providing your phone number, you expressly consent to receive recurring text messages, including automated texts, from CMB, LLC to the provided number. These text messages may include policy updates, claim status notifications, payment reminders, and service-related communications. Message frequency varies but will not exceed 6 messages per month.

You are not required to provide your phone number as a condition of purchasing property, goods, or services. You can revoke your consent at any time by replying "STOP" to any received text message. Message and data rates may apply. You are responsible for any fees charged by your mobile carrier for receiving text messages.

3. Use of Services

Our website and services are designed to provide insurance-related information and services. You agree to use these services only for their intended purposes and in accordance with these Terms and all applicable laws and regulations. You may not use our website or services for any unlawful or prohibited purpose, including but not limited to submitting fraudulent claims or engaging in deceptive practices.

4. Account Creation and Security

When creating an account with CMB, LLC, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

We implement various security measures to protect your account, but we cannot guarantee absolute security. You are responsible for choosing a strong password and maintaining its confidentiality. We recommend enabling two-factor authentication when available.

5. Insurance Policies and Coverage

Insurance policies issued by CMB, LLC are subject to our underwriting guidelines and state regulations. Policy coverage, terms, conditions, limitations, and exclusions are detailed in your individual policy documents. In the event of any discrepancy between these Terms and your policy documents, the policy documents will govern.

Premium payments must be made according to the schedule outlined in your policy. Failure to make timely payments may result in policy cancellation. Any changes to your policy must be requested through proper channels and may affect your premium.

6. Claims Process

When filing an insurance claim, you must provide complete and accurate information. False or fraudulent claims are strictly prohibited and may result in claim denial, policy cancellation, and potential legal action. We reserve the right to investigate all claims thoroughly and may require additional documentation or information during the claims process.

7. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of CMB, LLC or our content suppliers and is protected by United States and international copyright laws. You may not reproduce, modify, distribute, or use any materials from our website without our explicit written permission.

8. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by CMB, LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party website you visit.

9. Limitation of Liability

CMB, LLC provides its services on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the operation of our website or the information, content, materials, or products included on it. To the fullest extent permissible by applicable law, we disclaim all warranties, expressed or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

We will not be liable for any damages of any kind arising from the use of our website or services, including but not limited to direct, indirect, incidental, punitive, and consequential damages. This includes damages for loss of profits, goodwill, use, data, or other intangible losses.

10. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including but not limited to a breach of these Terms. Upon termination, your right to use our services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Florida, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Contact Information

For questions or concerns regarding these Terms and Conditions, please contact us at:

CMB, LLC
1029 TRUMAN AVENUE
KEY WEST, FL 33040
Phone: 208-738-5211
Email: legal@motormates.com