Terms of Service

Welcome to businessarmor.co (the "Site"), operated by Conditor Plexus LLC, d/b/a BusinessArmor ("BusinessArmor," "we," "us," or "our"). By accessing or using our Site and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Site.

1. Description of Services

BusinessArmor is a commercial insurance comparison and lead generation platform. We help small business owners find and connect with insurance carriers and agents who can provide quotes for commercial insurance products including, but not limited to, general liability, workers' compensation, commercial auto, business owners' policy (BOP), professional liability, commercial property, umbrella/excess liability, and cyber liability insurance.

Our services include an online quote request form, AI-powered chat assistant, AI-powered voice verification and carrier matching, educational content about commercial insurance, and tools such as an insurance cost calculator.

2. Important Disclaimers

BusinessArmor is NOT an insurance company, insurance carrier, insurance agent, or insurance broker.

We do not underwrite, sell, bind, or issue insurance policies. We do not provide insurance advice, make coverage recommendations, or guarantee the availability, pricing, or terms of any insurance product. We are a technology platform that connects business owners with licensed insurance professionals.

Any insurance quotes, coverage options, or policy information provided through our Site or by our insurance partners are subject to the terms, conditions, and underwriting guidelines of the applicable insurance carrier. All insurance products are offered by licensed insurance carriers and agents, not by BusinessArmor.

3. Eligibility

You must be at least 18 years old and have the legal authority to bind the business entity for which you are requesting insurance quotes to use our services. By using our Site, you represent and warrant that you meet these eligibility requirements.

4. User Obligations

By using our Site and services, you agree to:

• Provide accurate, current, and complete information in all forms, including your name, phone number, email address, and business details.
• Not submit false, misleading, or fraudulent information.
• Not use the Site for any unlawful purpose or in violation of any applicable laws or regulations.
• Not interfere with or disrupt the operation of the Site or its servers.
• Not attempt to gain unauthorized access to any portion of the Site or its systems.
• Not use automated means (bots, scrapers, etc.) to access or collect data from the Site without our prior written consent.

5. Consent to Be Contacted

By submitting your information through our forms, chat assistant, or by calling our phone number, and by checking the consent checkbox, you provide prior express written consent to be contacted by BusinessArmor (Conditor Plexus LLC) and its insurance carrier partners via telephone calls (including calls made using automated dialing systems or pre-recorded/artificial voice messages), text messages (SMS/MMS), and email regarding commercial insurance products and services.

This consent is not required as a condition of purchasing any goods or services. You may revoke your consent at any time by emailing hello@businessarmor.co, replying STOP to any text message, or notifying us during any phone call. For full details, see our TCPA Disclosure.

6. Information Sharing with Partners

By using our services and submitting your information, you acknowledge and agree that we may share your information with insurance carriers, agents, brokers, insurance exchanges (such as Bold Penguin), lead aggregators, and other insurance-related partners for the purpose of providing you with insurance quotes and coverage options. Please review our Privacy Policy for more details about how we collect, use, and share your information.

7. AI-Powered Services

Our Site utilizes artificial intelligence technologies, including AI-powered chat assistants and AI-powered voice agents, to assist you in the insurance qualification process. These AI systems are designed to collect information, verify your intent, and facilitate connections with insurance professionals.

While we strive for accuracy, AI-generated responses may not always be complete or error-free. AI-provided information should not be considered insurance advice. Always consult with a licensed insurance professional for specific coverage questions and decisions.

8. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and the compilation thereof, is the property of Conditor Plexus LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. The BusinessArmor name, logo, and all related marks are trademarks of Conditor Plexus LLC.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BUSINESSARMOR (CONDITOR PLEXUS LLC), ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

10. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

WE MAKE NO WARRANTY REGARDING THE QUALITY, ACCURACY, TIMELINESS, OR AVAILABILITY OF ANY INSURANCE QUOTES, COVERAGE OPTIONS, OR INFORMATION PROVIDED THROUGH THE SITE OR BY OUR INSURANCE PARTNERS.

11. Indemnification

You agree to indemnify, defend, and hold harmless BusinessArmor (Conditor Plexus LLC), its officers, directors, members, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of laws provisions. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Colorado, and you consent to the personal jurisdiction and venue of such courts.

13. Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a revised "Last Updated" date. Your continued use of the Site after any modifications constitutes your acceptance of the updated Terms.

14. Termination

We reserve the right to suspend or terminate your access to the Site at any time, without prior notice, for any reason, including if we believe you have violated these Terms.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Us

If you have questions about these Terms, please contact us at:

Conditor Plexus LLC, d/b/a BusinessArmor
Email: hello@businessarmor.co
Website: businessarmor.co