Last Updated November 21, 2025

Terms of Use

Welcome to Hi-Lo Insurance (“Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of hilotx.com (the “Website”), including all content, tools, forms, and services offered through it. By accessing or using this Website, you agree to be bound by these Terms.

If you do not agree, please discontinue use of the Website immediately.

1. Website for General Information Only

The information on this Website is provided for general informational purposes and does not constitute insurance advice, coverage guarantees, or binding policy terms. Insurance products, eligibility, pricing, and coverage availability vary by:

- state,

- carrier,

- underwriting guidelines,

- property or individual risk factors.

Always speak directly with a licensed insurance advisor to confirm any details specific to your situation.

2. No Guarantee of Coverage

Submitting a quote request form, contacting us through the Website, or receiving an estimate does not bind or guarantee coverage.
Coverage is only valid once:

1. Required applications are completed,

2. Required documentation is provided,

3. Premiums are paid as required by the carrier,

4. A policy is formally issued by the insurance carrier.

Hi-Lo Insurance does not guarantee approval by any carrier.

3. Accuracy of Information - Your Responsibility

To provide accurate quotes, bind coverage, and maintain your insurance policy, the information you provide must be complete and accurate.

You agree that:

- You are solely responsible for the accuracy of all personal, property, business, and contact information you submit.

- You must promptly notify us of any changes or errors in the information provided.

- Hi-Lo Insurance is not responsible for losses, denied claims, or policy cancellations resulting from incomplete, incorrect, or omitted information provided by you.

4. Third-Party Carriers

Hi-Lo Insurance is an independent insurance agency representing multiple carriers.
We do not control, endorse, or guarantee:

- third-party underwriting decisions,

- premium amounts,

- rates or rating factors,

- claim outcomes.

Policies are subject to each carrier’s own terms, conditions, and underwriting guidelines.

5. Intellectual Property

All content on this Website—including text, images, videos, logos, graphics, and layout - is owned by Hi-Lo Insurance or our licensors and is protected by copyright and trademark laws. You may not copy, reproduce, distribute, modify, or use any content without prior written permission.

6. Permitted Use of the Website

You agree not to:

- Use the Website for unlawful or fraudulent purposes.

- Attempt to interfere with its functionality or security.

- Use automated systems (bots, scrapers, spiders) to access or collect data.

- Submit false or misleading information through quote forms or contact forms.

We reserve the right to terminate or restrict Website access at our discretion.

7. Links to Third-Party Sites

Our Website may contain links to third-party websites and insurance carrier portals. We are not responsible for:

- the content or accuracy of third-party sites,

- their privacy practices,

- or your experience once you leave our Website.

Use of third-party sites is at your own risk.

8. No Warranties

This Website is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that:

- the Website will be free from errors or interruptions,

- that information is always current or complete,

- or that all functions will operate without issue.

9. Limitation of Liability

To the fullest extent permitted by law, Hi-Lo Insurance is not liable for any damages arising from:

- use or inability to use the Website,

- reliance on Website information,

- inaccuracies or omissions,

- delays in communication,

- actions or decisions made by third-party carriers.

Your sole remedy for dissatisfaction with the Website is discontinuing its use.

10. Privacy Policy

Use of this Website is also governed by our Privacy Policy, available at: https://hilotx.com/privacy-policy/

11. Changes to These Terms

We may update these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Website constitutes acceptance of the updated Terms.