Effective Date: June 26, 2025

Welcome to 5 Minute Insurance. By using our website, communicating with our representatives, or enrolling in any of our available coverage options — including, but not limited to, the Denbrella Dental Plan — you agree to the following Terms & Conditions. Please read them carefully before using our site or services.

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. If you do not agree, please discontinue use of our site immediately.

2. Use of Services

Our website and related services are intended to assist you in exploring, comparing, and enrolling in insurance plans. You agree to use our site only for lawful purposes and in accordance with these Terms.

You are responsible for ensuring that any information you provide is accurate, current, and complete. Misuse of our site or systems — including attempts to access data without authorization or to disrupt service functionality — is strictly prohibited.

3. Communication Consent (SMS, Email, and Phone)

By submitting your information through our website, you consent to receive communications from 5 Minute Insurance via text message (SMS), email, and phone call for purposes including:

• Coverage updates or enrollment assistance
• Policy reminders or renewal notifications
• Customer service and support inquiries

Standard messaging and data rates may apply. You may opt out of non-essential communications at any time by replying “STOP” to SMS messages or by contacting us at samnigro@5minuteinsurance.net.

4. AI-Assisted Communication

To improve response times and provide efficient service, certain communications may be generated or assisted by artificial intelligence (AI) tools. These tools are used to:

• Answer common questions
• Streamline customer support
• Assist with quote generation or plan details

All AI-assisted communications are reviewed or overseen by licensed representatives to ensure accuracy and compliance. By engaging through our website or messaging platforms, you acknowledge and consent to this use of AI assistance.

5. Accuracy of Information

While 5 Minute Insurance strives to maintain accurate and up-to-date information, insurance plans, coverage details, and pricing are subject to change. We do not guarantee that all information on the site is error-free or current at all times.

You are encouraged to verify details directly with one of our representatives before making final enrollment or coverage decisions.

6. User Responsibilities

You agree not to:

• Misrepresent your identity or eligibility
• Interfere with the security or operation of the website
• Use the site for fraudulent, unlawful, or misleading purposes
• Collect or store data about other users without consent

Any unauthorized use may result in termination of access and possible legal action.

7. Third-Party Services

Our website may include links or integrations with third-party services such as payment processors (e.g., Stripe) or insurance carriers. These parties operate independently and are governed by their own terms and privacy policies. 5 Minute Insurance is not responsible for their content or practices.

8. Limitation of Liability

5 Minute Insurance, its owners, and affiliates are not liable for any direct, indirect, incidental, or consequential damages resulting from:

• The use or inability to use our website or services
• Delays, inaccuracies, or omissions in provided information
• Technical failures, including those related to AI-assisted responses

All services are provided “as is” and “as available,” without any warranties, express or implied.

9. Indemnification

You agree to indemnify and hold harmless 5 Minute Insurance, its affiliates, and representatives from any claims, damages, or expenses (including legal fees) arising from your use of our site or violation of these Terms.

10. Modifications to Terms

We may revise these Terms & Conditions at any time. Updates will be reflected on this page with a new effective date. Continued use of our site following such changes constitutes acceptance of the revised Terms.

11. Governing Law

These Terms & Conditions are governed by the laws of the State of Nebraska, without regard to conflict of law principles.

12. Contact Us

For questions regarding these Terms & Conditions, please contact:

5 Minute Insurance
Email: samnigro@5minuteinsurance.net
Phone: 402-504-9889