Illumination Insurance Agency LLC Terms & Conditions

1. Acceptance of Terms

By accessing our website or purchasing insurance products through Illumination Insurance Agency LLC, you agree to these Terms & Conditions and our Privacy Policy.

2. Nature of Services

Illumination Insurance Agency LLC operates as an independent insurance agency based in Florida and licensed in multiple states nationwide. We represent various carriers to provide personal and commercial insurance solutions. We do not act as an insurer; we act as an intermediary between you and the insurance company.

3. Licensing & Compliance

We maintain active licenses in Florida and other states where we conduct business. All transactions comply with applicable state insurance laws and regulations, including disclosure requirements, fair marketing practices, and consumer protection standards.

4. Quotes & Coverage

Insurance quotes provided are based on information you supply and carrier underwriting guidelines. Coverage is not bound until confirmed by the carrier and premium payment is processed. We are not responsible for coverage lapses due to non-payment or inaccurate information provided by the client.

5. Client Responsibilities

You agree to provide accurate and complete information for all applications. Misrepresentation may result in denial of coverage or cancellation of policies.

6. No Guarantee of Rates

Premiums and terms are subject to change based on underwriting, regulatory changes, and carrier policies. We do not guarantee rates until officially bound by the carrier.

7. No Legal, Tax, or Financial Advice

Information provided on our site or by our agents is for general informational purposes only and does not constitute legal, tax, or financial advice. Consult qualified professionals for those matters.

8. Intellectual Property

All website content, branding, and materials are owned or licensed by Illumination Insurance Agency LLC. Unauthorized reproduction is prohibited.

9. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from use of our site or insurance transactions.

10. Governing Law

These Terms & Conditions are governed by the laws of the State of Florida and applicable federal insurance regulations. Any disputes shall be resolved in Florida courts.

11. Updates to Terms

We may update these Terms periodically. Continued use of our site constitutes acceptance of changes.

Wholesaler Terms & Conditions (Illumination Acquisitions Partners LLC)

1. Acceptance of Terms

By engaging with Illumination Acquisitions Partners LLC, you acknowledge that we operate as a real estate wholesaler, not a licensed real estate broker or agent.

2. Nature of Services

We acquire properties or contractual interests and may assign or resell those interests. We do not list properties for others or provide brokerage services.

3. User Responsibilities

You agree to conduct your own due diligence, verify all property details, and comply with applicable laws when engaging in transactions.

4. Offers & Transactions Disclaimer

All offers are subject to inspection, clear title, and verification. Prices, terms, and availability may change without notice. Photos, ARVs, and projections are illustrative only.

5. No Legal/Financial Advice

Content provided is for informational purposes only and does not constitute legal, tax, or financial advice. Consult qualified professionals before making decisions.

6. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages arising from site use or transactions.

7. Governing Law (Florida)

These Terms & Conditions are governed by Florida law. Any disputes shall be resolved in Florida courts.

Contact & Call-to-Action

Contact Stephanie today for expert insurance guidance or Terrance for a fast, fair real estate offer!
Phone: (813) 337-7077 | Email: [email protected]

Effective Date: 15 Dec 2025
Applies To: Illumination Insurance Agency LLC and Illumination Acquisitions Partners LLC (“we,” “us,” “our”) 

This Privacy Policy explains how we collect, use, and share your personal information when you visit or interact with our website (the “Site”) or make a purchase.

1. Information We Collect

a) Browsing Information:
Automatically collected when you visit the Site:

• Device details: browser type, IP address, time zone
• Cookies and other tracking technologies
• Site interactions: pages viewed, referring URLs, search terms, clickstream
  Collected via:Cookies, log files, and web beacons (e.g., pixels, tags)
  

b) Purchase Information:
Collected when you make or attempt a purchase:

• Name, billing/shipping address
• Payment details (e.g., credit card data)
• Email address and phone number

Together, this data is referred to as “Personal Information.”

2. How We Use Your Personal Information

• Fulfill orders: process payments, arrange shipping, send invoices/confirmations
• Communicate regarding orders or inquiries
• Screen for fraud and security risks
• Improve Site performance via analytics
• Provide targeted advertising and promotional communications, aligned with your preferences

3. Sharing Your Personal Information

We share data with:

• Analytics providers (e.g., Google Analytics — see Google's Privacy Policy)
• Service providers, such as payment processors and shipping carriers
• Legal purposes, like subpoenas or to protect our rights
• Marketing partners, for targeted advertising

You can opt out of Google Analytics here.

4. Behavioral Advertising

We may use your data for targeted ads. Learn more at the Network Advertising Initiative.
Opt-out options:

• Facebook: Ads Settings
• Google: Ads Settings
• Bing: Personalized Ads
• Digital Advertising Alliance Opt-Out: DAA Portal

5. Do Not Track

Our Site does not adjust its behavior or data collection in response to browser "Do Not Track" signals.

6. Florida-Specific Compliance

Telemarketing Requirements:
We comply with the Florida Telemarketing Act (Fla. Stat. §501.059):

• Licensed and bonded for telemarketing activities
• Calls/texts only between 8 a.m.–9 p.m. local time
• Caller ID displayed, with salesperson name and company within 30 seconds of answering [fdacs.gov], [ccmedia.fdacs.gov]
• Written consent obtained before automated messages
• Compliance with Florida’s Do-Not-Call registry and national DNC list

Flood Disclosure (effective October 1, 2025):
For properties in designated flood zones or with past flood events, we comply with Florida Statutes §689.302, and SB 948/CS/CS/HB 1015. We will notify clients of:

• Known flood history or past flood events
• Flood insurance claims or government flood assistance
• That standard policies typically do not cover flood damage [floridarealtors.org], [henlaw.com]

Condominium Compliance (effective July 1, 2025):
Aligned with HB 913, we ensure compliance for clients dealing with or investing in condo/co-op properties:

• Structural Integrity Reserve Study (SIRS) compliance for buildings ≥3 habitable stories
• Timely record-keeping, transparency, and meeting minutes
• Reserve funding requirements; options for line-of-credit or loans; ability to pause reserve funding under certain conditions [housedocs....ahouse.gov], [flengineeringllc.com]

7. European Data Rights

If you're a European resident, you may request:

• Access, correction, deletion, data portability, or objection to processing
• Contact us to exercise your rights; note that your data may be transferred to the U.S. or Canada

8. Data Retention

We retain Purchase Information as needed unless you request deletion.

9. Changes to This Policy

We may update this policy to reflect legal, regulatory, or operational changes. The effective date will be updated accordingly.

10. Minors

Our Site is intended for users 18 and older. We do not knowingly collect data from minors.

11. Contact Us

For inquiries or complaints regarding privacy: Email: [email protected]
Phone: (813)337-7077 Address: 9401 N Armenia Ave Tampa, FL 33612