Terms & Conditions

Terms and Conditions

 

​Aspire Insurance Group, LLC DBA: Risk Pros Insurance

Effective Date: June 3, 2025

Welcome to the website of Aspire Insurance Group, LLC, doing business as Risk Pros Insurance ("Risk Pros Insurance," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website, located at [Insert Your Website URL Here], and any services, content, and features provided through the website.

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SMS Terms & Conditions
Product Description

• By providing your mobile phone number, you consent to receive SMS messages from Risk Pros Insurance related to quotes, general replies to your message and or information regarding your insurance policy with our agency. 

Message Frequency

• Message frequency may vary.

Message and Data Rates

• Standard message and data rates may apply.

Opting Out

• You may opt out of receiving SMS messages at any time by replying with "STOP" to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number.

Help and Support

• If you need assistance or have questions about our SMS service, reply with "HELP" to any SMS message you receive, or contact our customer support team at info@myriskpros.com or call us at 614-647-9644.

Privacy Policy

• Your phone number will be handled in accordance with our Privacy Policy, available at https://www.myriskpros.com/privacypolicy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

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By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our website.

Our Address: 341 S 3rd St, Suite 100-D, Columbus OH, 43215

1. Use of Website

a. Eligibility: You must be at least 18 years old to use our website and services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

b. Permitted Use: You may use our website for lawful purposes only, including to obtain information about our insurance products and services, request quotes, and manage your policies (if applicable). You agree not to use our website for any illegal or unauthorized purpose.

c. Prohibited Activities: You agree not to: * Use the website in any way that violates any applicable federal, state, local, or international law or regulation. * Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website, or which, as determined by us, may harm Risk Pros Insurance or users of the website or expose them to liability. * Use the website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the website, including their ability to engage in real-time activities through the website. * Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website. * Use any manual process to monitor or copy any of the material on the website or for any other unauthorized purpose without our prior written consent. * Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful. * Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website. * Attack the website via a denial-of-service attack or a distributed denial-of-service attack. * Otherwise attempt to interfere with the proper working of the website.

2. No Professional Advice

The information provided on our website is for general informational purposes only and does not constitute professional insurance, financial, or legal advice. While we strive to provide accurate information, it is not a substitute for professional advice from a licensed insurance agent, financial advisor, or legal counsel. You should consult with a qualified professional for advice tailored to your specific situation.

3. Insurance Quotes and Applications

a. Information Accuracy: When requesting quotes or applying for insurance through our website, you agree to provide accurate, complete, and truthful information. Inaccurate or incomplete information may result in incorrect quotes, denial of coverage, or voiding of a policy.

b. Quotes Are Estimates: Any quotes provided on our website are estimates based on the information you provide and may not represent the final premium or coverage. Final premiums and coverage are subject to underwriting approval by the insurance carrier.

c. Policy Issuance: The issuance of an insurance policy is solely at the discretion of the insurance carrier and is subject to their underwriting guidelines, terms, and conditions.

4. Intellectual Property Rights

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Risk Pros Insurance, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as generally permitted by your browser for personal, non-commercial use.

Our company name, the terms, the logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Risk Pros Insurance or its affiliates or licensors. You must not use such marks without the prior written permission of Risk Pros Insurance.

5. Links to Third-Party Websites

Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the contents of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

6. Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER RISK PROS INSURANCE NOR ANY PERSON ASSOCIATED WITH RISK PROS INSURANCE MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER RISK PROS INSURANCE NOR ANYONE ASSOCIATED WITH RISK PROS INSURANCE REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, RISK PROS INSURANCE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

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

7. Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL RISK PROS INSURANCE, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, 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 OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

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

8. Indemnification

You agree to defend, indemnify, and hold harmless Risk Pros Insurance, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, 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 the website, including, but not limited to, your User Contributions, any use of the website's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the website.

9. Governing Law and Jurisdiction

All matters relating to the website and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Ohio in each case located in the City of Columbus and County of Franklin, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

10. Severability

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

11. Entire Agreement

The Terms and our Privacy Policy constitute the sole and entire agreement between you and Aspire Insurance Group, LLC DBA: Risk Pros Insurance regarding the website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the website.

12. Changes to the Terms and Conditions

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the website thereafter. Your continued use of the website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Aspire Insurance Group, LLC DBA: Risk Pros Insurance 341 S 3rd St, Suite 100-D, Columbus OH, 43215

Email: info@myriskpros.com Phone:614-647-9644