Terms of Service

Effective Date: 2026-01-30

These Terms of Service (“Terms”) govern your access to and use of the website operated by Campos Agency LLC DBA Insurance Problem Solvers (“we,” “us,” or “our”), located at www.ips-ins.com. By accessing or using this website, you agree to be bound by these Terms.

Business Address:
Campos Agency LLC DBA Insurance Problem Solvers
375 Elm St
West Haven, CT 06516
United States

Use of the Website

This website is provided for informational and marketing purposes related to insurance products and services. You agree to use the website only for lawful purposes and in a manner consistent with these Terms.

You agree not to:

• Use the website in a way that violates any applicable law or regulation

• Attempt to gain unauthorized access to the website or its systems

• Interfere with the operation or security of the website

• Use the website to transmit harmful or malicious code

No Insurance Coverage Guarantee

Information provided on this website is for general informational purposes only and does not constitute insurance advice, legal advice, or a binding offer of coverage.

Insurance coverage, pricing, and availability are subject to underwriting approval, policy terms, and carrier guidelines. Coverage is not effective until confirmed in writing by an authorized insurance carrier.

Quotes and Submissions

Any information submitted through forms on this website does not constitute an application for insurance and does not bind coverage.

Submitting information through the website:

• Does not guarantee coverage

• Does not establish an agent-client relationship

• Is used for the purpose of responding to inquiries, providing quotes, or offering information

Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of Campos Agency LLC DBA Insurance Problem Solvers or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or republish any content from this website without prior written consent.

Third-Party Services and Links

This website may rely on third-party services to support analytics, marketing, communication, and website functionality. Use of these services is subject to their respective terms and policies.

The website may also contain links to third-party websites. We are not responsible for the content, availability, or practices of third-party websites and do not endorse them.

Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding:

• The accuracy or completeness of website content

• Website availability or performance

• Freedom from errors, interruptions, or security vulnerabilities

To the fullest extent permitted by law, we disclaim all warranties.

Limitation of Liability

To the maximum extent permitted by law, Campos Agency LLC DBA Insurance Problem Solvers shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to your use of this website.

This includes, without limitation, damages related to loss of data, loss of business, or reliance on website information.

Indemnification

You agree to indemnify and hold harmless Campos Agency LLC DBA Insurance Problem Solvers , its owners, agents, and affiliates from any claims, damages, liabilities, or expenses arising out of your use of the website or violation of these Terms.

Privacy

Your use of the website is also governed by our Privacy Policy. Please review the Privacy Policy for information on how we collect, use, and protect your data.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law principles.

Changes to These Terms

We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the updated Terms.

Contact Information

If you have any questions regarding these Terms of Service, please contact us:

Campos Agency LLC DBA Insurance Problem Solvers
375 Elm St
West Haven, CT 06516
(203) 933-5800
Website: www.ips-ins.com