Terms of Use

Effective Date: July 2026

Last Updated: July 2026

1. Agreement & Acceptance

By accessing, browsing, or utilizing the web interface at insuravo.online (the “Website”), you enter into a legally binding agreement to comply with and be bound by these Terms of Use. If you disagree with any portion of these provisions, you are strictly instructed to discontinue accessing or using our matching services immediately.

2. Service Description & Intermediary Role

Insuravo (operated by Gray nova hub LLC) provides a digital platform designed to bridge connections between consumers seeking insurance options and independent state-licensed insurance specialists, agencies, or underwriting carriers.

Insuravo acts strictly as an online referral channel and lead-matching portal. We are neither a direct insurer nor a licensed insurance agency, and we do not underwrite policies, bind coverage, or guarantee rate approvals.

3. User Obligations & Conduct Standards

As a condition of accessing our matching portal, you represent, warrant, and agree that:

• All details submitted through our inquiry forms are truthful, accurate, and current.

• You will utilize this platform exclusively for personal, non-commercial request evaluations.

• You will not submit fraudulent inquiries, deploy automated extraction bots, or impersonate any individual or entity.

4. Third-Party Interactions & Independent Contracts

Because Insuravo serves purely as a referral venue, any policy agreements, quotes, or coverage terms executed remain exclusively between you and the respective licensed insurance carrier or agency. Insuravo holds no contractual participation in insurance agreements and assumes no responsibility for third-party pricing estimates, underwriting criteria, or policy fulfillment.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Insuravo, along with its corporate officers, directors, members, employees, and designated affiliates, shall not be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages resulting from:

• Your access to, or inability to access, our online matching platform.

• Reliance on any quotes, estimates, or information supplied by third-party partner agencies.

• Any transaction, dispute, or communication arising between you and an independent insurance entity.

6. Consumer Indemnification

You agree to defend, indemnify, and hold harmless Insuravo, its parent company, subsidiaries, officers, and operational agents from and against any third-party claims, liabilities, financial losses, regulatory fines, or legal expenditures arising out of your violation of these Terms or misuse of the Website.

7. Revisions & Policy Updates

Insuravo reserves the statutory right to modify, amend, or rewrite these Terms of Use at any time without prior individual notice. Modifications become active immediately upon posting on this page. Your continued use of insuravo.online following published updates constitutes your explicit acknowledgment of the revised Terms.

8. Governing Law & Dispute Resolution

These Terms of Use shall be governed by, interpreted, and enforced in accordance with the internal laws of the State of Texas, without giving effect to conflict-of-law principles. Any legal disputes or litigation arising from your use of this Website shall be submitted exclusively to the state or federal courts situated in Texas.

9. Administrative Contact Information
Phone: (833) 269-0883
Email: info@insuravo.online
Address: 10820 Composite Dr, Dallas, TX 75220