Terms and conditions

Last updated: October 22, 2026

1. Who we are and what you agree to

This website, sumabrokers.com, is operated by Suma Brokers («Suma Brokers», «we», «us»). By visiting and using the site you agree to these terms. If you do not agree, please do not use it.

2. General information only

What we publish here is general information. It is not an offer of insurance, a quote, or legal, tax, financial or investment advice. Coverage is governed only by the policy issued by the insurance carrier. Approval, price and benefits depend on each carrier and on your personal situation.

3. Contacting us does not create coverage

Contacting us through the site, WhatsApp or email does not create coverage, a contract or a commitment for either side. Coverage begins only when a carrier approves your application and the policy takes effect under its terms.

4. Communications

If you write to us, you agree that we may reply through the same channel (for example WhatsApp or email) to handle your request. We do not send mass promotional messages without your permission. You can ask us to stop at any time by replying «STOP» or writing to [email protected]. Message and data rates from your provider may apply.

5. Information for agents

What we say about joining Suma Brokers is not an offer of employment or a promise of income. Agents work as independent professionals, and results depend on each person's effort, licensing and circumstances.

6. Intellectual property

The Suma Brokers name, logo, four-piece symbol, text and design of this site belong to Suma Brokers. You may not copy, modify or use them without our written permission. Names and trademarks of insurance carriers or other companies belong to their owners and are mentioned only to identify them.

7. Acceptable use

You may not use the site for unlawful purposes, to try to gain unauthorized access to our systems, to send harmful content, or to impersonate another person or Suma Brokers.

8. Third-party links

The site may link to third-party services such as WhatsApp. We do not control those services and are not responsible for their content or practices. Please review their own terms and policies.

9. No warranties and limit of liability

We do our best to keep the information accurate, but the site is provided «as is», without warranties of any kind. To the extent the law allows, Suma Brokers is not liable for damages resulting from using the site or relying on its content. Nothing here limits rights that the law does not allow to be limited.

10. Governing law

These terms are governed by the laws of the State of Florida, USA, without regard to its conflict-of-law rules. Any dispute will be brought before the competent courts of Florida.

11. Changes and contact

We may update these terms. The current version is the one published on this page, with its update date. Questions: [email protected].