Terms & Conditions

Table of Contents

Terms & Conditions

Welcome to Pain Management Insurance (“we,” “us,” or “our”). These Terms & Conditions govern your access to and use of our website at https://ins.painmanagementinsurance.com (the “Site”). By accessing or using the Site, you agree to comply with and be bound by these Terms. If you do not agree, please do not use the Site.

1. Eligibility

You must be at least 18 years of age and legally capable of entering into binding agreements to use this Site. By using the Site, you represent and warrant that you meet these eligibility requirements.

2. Account Registration

Certain features may require account registration. You agree to provide accurate, current, and complete information during registration and to update such information promptly. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Intellectual Property

All content on the Site—including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software—is the property of Pain Management Insurance or its licensors and is protected by U.S. and international copyright laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content without our prior written permission.

4. Prohibited Activities

Using the Site for any unlawful purpose or in violation of any applicable laws or regulations;
Interfering with or disrupting the Site’s functionality or servers;
Attempting to gain unauthorized access to user accounts, systems, or networks;
Using automated tools (e.g., bots, scrapers) to extract data without express written consent;
Posting or transmitting malicious code, spam, or deceptive content.

5. Third-Party Links

The Site may contain links to third-party websites or services not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of such sites. Your use of third-party sites is at your own risk and subject to their respective terms.

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PAIN MANAGEMENT INSURANCE DISCLAIMS ALL LIABILITY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising from or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida.

9. Changes to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes become effective immediately upon posting to the Site. Your continued use of the Site after such changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

10. Contact Information

If you have questions about these Terms & Conditions, please contact us at Contact Us or email support@ins.painmanagementinsurance.com. For additional information about our practices, please review our Privacy Policy and Disclaimer.

Last updated: March 15, 2025