TERMS OF USE

Effective Date: September 11, 2026

Welcome to the website of SPARK FLASH LLC, doing business as Spark Flash Insurance Agency (“Spark Flash,” “we,” “us,” or “our”). By accessing or using this website, submitting information through our forms, or using any services or features made available through this website, you agree to these Terms of Use.

If you do not agree with these Terms of Use, please do not use this website.

Insurance Information

The information provided on this website is for general informational and educational purposes only. Nothing on this website should be interpreted as a guarantee of insurance coverage, eligibility, benefits, rates, premiums, approval, or availability.

Insurance products, rates, eligibility requirements, underwriting guidelines, coverage options, exclusions, limitations, and availability vary by insurance carrier, product, applicant, and state.

Quotes Are Not Binding Coverage

Any quote, estimate, illustration, premium indication, or coverage information provided through this website or by Spark Flash Insurance Agency is subject to verification, underwriting, carrier guidelines, eligibility requirements, and final approval by the applicable insurance company.

Submitting a quote request, application, payment, document, or other information does not automatically create, bind, issue, renew, or modify insurance coverage.

Insurance coverage is not effective unless and until it has been properly bound or issued by an authorized insurance carrier and all applicable requirements have been satisfied.

Do not cancel or modify existing insurance coverage until you have received confirmation that replacement coverage is effective.

Independent Insurance Agency

Spark Flash Insurance Agency is an independent insurance agency and may work with multiple insurance carriers, general agencies, brokers, marketplaces, and other insurance organizations.

Not every insurance product, carrier, or coverage option is available to every consumer or in every geographic area. We do not guarantee that we represent every insurance company or that every available insurance option in the marketplace will be presented.

Medicare and Health Insurance

Information concerning Medicare, health insurance, prescription drug coverage, Medicare Advantage, Medicare Supplement insurance, or related products is provided for educational purposes and is subject to applicable federal and state requirements.

Availability, eligibility, premiums, benefits, provider networks, formularies, service areas, and plan features may vary.

Where applicable, official Medicare information is available through Medicare.gov or by calling 1-800-MEDICARE.

Spark Flash Insurance Agency is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

Accuracy of Information

We make reasonable efforts to provide accurate and current information. However, insurance products, laws, carrier requirements, rates, benefits, and other information may change without notice.

Spark Flash Insurance Agency does not guarantee that every piece of information on this website will always be complete, current, or error-free.

For specific insurance questions, please contact a licensed insurance professional.

Information You Provide

You agree that information submitted through this website will be accurate and complete to the best of your knowledge.

Insurance carriers may rely on information you provide when determining eligibility, underwriting, pricing, or coverage. Inaccurate, incomplete, or misleading information may affect a quote, application, policy, claim, or eligibility for coverage.

Electronic Communications

When you submit your contact information through this website, you may request or consent to communications from Spark Flash Insurance Agency by telephone, email, text message, or other electronic means, as permitted by applicable law and according to the consent language presented when your information is collected.

Consent to receive marketing communications is not a condition of purchasing insurance.

Message and data rates may apply to text communications. Where applicable, you may follow the instructions provided in a message to opt out of future marketing communications.

Privacy

Your use of this website is also subject to our Privacy Policy. Please review the Privacy Policy for information regarding how Spark Flash Insurance Agency collects, uses, protects, and shares information.

Third-Party Websites and Services

This website may contain links to insurance carriers, government websites, payment portals, enrollment platforms, social media services, or other third-party websites.

These websites and services are operated independently from Spark Flash Insurance Agency. We are not responsible for their content, security, privacy practices, availability, terms, or operation.

A link to a third-party website does not necessarily constitute an endorsement of that website or all products or services offered through it.

Website Availability

We may modify, suspend, discontinue, or update any portion of this website at any time without notice.

We do not guarantee uninterrupted access to the website or that the website will always be free from technical errors, viruses, interruptions, or other harmful components.

Intellectual Property

Unless otherwise indicated, the Spark Flash Insurance Agency name, branding, website design, original text, graphics, logos, slogans, and other original materials appearing on this website are owned by or licensed to Spark Flash Insurance Agency and are protected by applicable intellectual property laws.

You may use website content for your own personal, noncommercial informational purposes. You may not reproduce, distribute, modify, publish, sell, or commercially exploit our original website content without prior written permission.

Third-party trademarks, insurance carrier names, logos, and other intellectual property remain the property of their respective owners.

Prohibited Use

You may not use this website to engage in fraudulent, unlawful, abusive, deceptive, or malicious activity; attempt to gain unauthorized access to the website or its systems; interfere with website operation or security; submit knowingly false information; impersonate another person; or use automated systems to improperly collect information from the website.

No Professional Advice Outside Licensed Services

General information provided through this website should not be considered legal, tax, accounting, investment, or other professional advice.

You should consult an appropriately qualified professional regarding matters requiring specialized advice.

Limitation of Liability

To the fullest extent permitted by applicable law, Spark Flash Insurance Agency and its owners, employees, agents, contractors, and representatives will not be liable for indirect, incidental, special, consequential, or similar damages arising from your use of, or inability to use, this website or your reliance on general information contained on the website.

Nothing in these Terms is intended to waive rights or responsibilities that cannot legally be waived under applicable law.

Governing Law

These Terms of Use are governed by the laws of the United States, without regard to conflict-of-law principles.

Any dispute relating to these Terms or use of this website will be handled in accordance with applicable Florida and federal law.

Changes to These Terms

Spark Flash Insurance Agency may update these Terms of Use periodically to reflect changes to our website, services, business practices, or applicable requirements.

The effective date appearing at the top of this page indicates when these Terms were last updated. Continued use of the website after changes are posted constitutes acceptance of the updated Terms.