Terms of Use

Last Modified: 10/7/2025

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1. Acceptance of the Terms of Use

These terms of use are entered into by and between you and Security First Insurance Company (“Company,” “we,” or “us”). Company provides www.securityfirstflorida.com and any content, functionality, and services offered on or through www.securityfirstflorida.com (together referred to as this “Site”) subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the “Terms of Use” or “Terms”), as well as any other written agreement between us (or your company).

Please read carefully before using this Site. BY USING THIS SITE AND/OR COMPLETING THE REGISTRATION PROCESS, YOU AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, YOU MUST NOT ACCESS OR USE THIS SITE. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR ACCESS AND/OR USE OF THIS SITE.

This Site is intended to be offered and available to users who are 18 years of age or older and reside in the United States or any of its territories or possessions. By using this Site, you represent and warrant that you meet both of these requirements. If you do not meet these requirements, you must not access or use the Site.

2. Changes to the Terms of Use

We may revise and update these Terms of Use in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter.

YOUR CONTINUED USE OF THE SITE FOLLOWING THE POSTING OF THE REVISED TERMS IS YOUR ACCEPTANCE AND AGREEMENT TO THOSE TERMS. We recommend checking this page each time you access the Site so you will be aware of any changes, as they are binding on you.

3. Intellectual Property

This Site and its entire contents, features, and functionality is owned by Company, its licensors, or other providers of such material and are protected by United States copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws. These Terms of Use permit you to use the Website for (1) your personal, non-commercial use or (2) to provide limited insurance-related services by agents and agencies licensed and authorized by Company.

Except as stated herein, none of the material on this website may be copied, reproduced, distributed, republished, downloaded, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without prior written permission from [email protected]. Any unauthorized use of any material contained on this website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Site in breach of the Terms, your right to use the Site will stop immediately and you must return or destroy any copies of the materials you have made. No right, title, or interest in or to the Site or any content on the Site is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Site not permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other intellectual property laws.

4. Site Access and Registration Data

Company reserves the right to amend this Site, and any service or product offered on or through this Site, in its sole discretion without notice. Company will not be liable for any reason if all or any portion of this Site is unavailable for any period of time. We may restrict user access to the Site, including registered online account user access, as necessary. We have the right to disable any registered username, password, or other identifier, whether chosen by you or provided by us, if, in our opinion, you have violated any provision of these Terms.

You are responsible for ensuring that you have made all necessary arrangements for you to have access to the Site.

In order to access some of the services on this site, you will need to complete our online registration form, which requires certain information and data (“Registration Data”). Upon registration, an account and password will be created. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate. The information we obtain through your use of this Site, including your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use.

5. Secured Areas and Passwords

Some portions of this Site are restricted and require registration and/or authorization for access. Company is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Company. You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of your password and account, including any mail sent and any charges incurred. DO NOT SHARE YOUR PASSWORD WITH ANYONE. You will notify Company immediately if you believe anyone else has obtained your password or if you believe unauthorized access has occurred or may occur.

Company may deny access or block any transaction made through your account without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so. Therefore, you must take steps to ensure that others do not gain access to your password and account. You may not transfer or share your account with anyone, and we reserve the right to immediately terminate your account in the event of any unauthorized transfer or sharing thereof.

Company is authorized to act on instructions received through your account without any requirement to question those instructions.

6. Privacy and Security

We process and protect the information you provide on or via the Site as set forth in our Privacy Policy. Our Privacy Policy is hereby incorporated into these Terms by reference.

7. Disclaimers

TO THE FULLEST EXTENT PROVIDED BY LAW, COMPANY WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THIS SITE OR ANY PRODUCTS OR SERVICES OBTAINED THROUGH THIS SITE OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. YOUR USE OF THE SITE, ITS CONTENT, AND ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK.

THE INFORMATION ON THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES THAT: THE MATERIAL ON THE SITE IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS ON THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT OUR SITES, OR SERVERS THAT MAKE THEM AVAILABLE, ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR THAT INFORMATION CONTAINED IN THE SITE IS ACCURATE AS OF ANY PARTICULAR DATE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

8. Limitations on Liability; Mutual Class Action Waiver

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL COMPANY, ITS AFFILIATES OR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, REPRESENTATIVES, SHAREHOLDERS, MANAGERS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR ITS SUBJECT MATTER, YOUR USE, OR INABILITY TO USE, THIS SITE OR ANY WEBSITES LINKED TO IT, ANY CONTENT ON THIS SITE OR SUCH OTHER WEBSITES, ANY PRODUCTS OR SERVICES PROVIDED ON OR THROUGH THIS SITE OR ANY LINKED WEBSITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS, DAMAGE, CORRUPTION OR RECOVERY OF DATA, BREACH OF DATA OR SYSTEM SECURITY, IMPAIRMENT, INABILITY TO USE, INTERRUPTION OR DELAY OF THIS SITE OR SERVICES, VIRUSES, OR ERRORS, OMISSIONS OR OTHER INACCURACIES IN THIS SITE OR ANY CONTENT ON IT AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE AND REGARDLESS OF WHETHER WE WERE ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES.

Certain laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

Neither we nor you may be a representative of other potential claimants or a class of potential claimants in any dispute concerning or relating to these Terms or the Site, nor may two or more individuals’ disputes be consolidated or otherwise determined in one proceeding. WE AND YOU ACKNOWLEDGE THAT THIS SECTION WAIVES ANY RIGHT TO PARTICIPATION AS A PLAINTIFF OR AS A CLASS MEMBER IN ANY CLASS ACTION.

9. Indemnification

You agree to defend, indemnify, and hold harmless Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of this Site, including, but not limited to, any use of the Site’s content, services, and products other than as authorized in these Terms, or your use of any information obtained from the Site.

10. Applicable Law and Severability

Unless otherwise specified, the materials on our Site are presented to provide information about us, our insurance products, and the insurance business Company operates and controls in the State of Florida. These Terms of Use shall be governed by and interpreted according to the laws of the State of Florida, without respect to any conflict of laws provisions. Any causes of action shall be brought in Volusia County, Florida.

If any portion of these Terms is unlawful, void, or unenforceable, it shall not affect the validity or enforceability of any other provision.

We do not in any way imply that the materials on this Site or the products we discuss are available for use in any jurisdiction in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.

11. Linking to Our Site

Individuals or entities must obtain prior written consent from Company via email at [email protected] before establishing any link to the Site, with the following exceptions: (i) an individual consumer or customer may establish a link solely for their personal, non-commercial reference; (ii) an agent or First Choice Repair Network vendor who is party to a written agreement with Company may establish a link if it is—and remains at all relevant times—in full compliance with that agreement. Company reserves the unconditional right, at any time and in its sole discretion, to withdraw permission to link to the Site, to require removal of any existing link, or to modify the manner in which the link is made.

Any permitted link must be presented in a manner that is fair, legal, and does not in any way damage, dilute, or tarnish the goodwill associated with the Site, Company, or Company’s brands, trademarks, or service marks. No link may be presented in a manner that could reasonably be interpreted as creating an impression of affiliation, approval, sponsorship, or endorsement by Company, unless such implication is factually accurate and expressly permitted by the terms of the applicable agreement or by separate written authorization from Company.

12. Waiver

No waiver by the Company of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

13. Product Descriptions

Any coverage descriptions provided on this site are general descriptions and do not form part of your insurance policy. To obtain coverage, you must submit an application to a Company agent, which is subject to underwriting and other approval, as necessary. For information about products, services, or coverage selections offered by Company, please contact [email protected].

14. Contacting Us

If you have any questions about these Terms or this Site, you can contact us at [email protected].