Terms & Conditions

Welcome to VKOVR (“VKOVR,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, forms, tools, communications, content, and related services (collectively, the “Services”).

By using our Services, submitting information, requesting a quote, or communicating with us, you agree to these Terms and our Privacy Policy.

1. About VKOVR

VKOVR is a technology-enabled insurance advisory and lead management platform designed to help users explore insurance-related products and services, including Auto, Home, Life, Commercial, and related coverage solutions. VKOVR is positioned as a nationwide, AI-enhanced insurance advisory platform.

VKOVR may use digital tools, automation, CRM systems, and AI-assisted communication workflows to support inquiries, lead handling, quote requests, service updates, and customer engagement.

The Services are provided by Horizon insurance agency LLC, a Minnesota limited liability company. References to “VKOVR,” “we,” “us,” or “our” include Horizon insurance agency LLC and our brand, VKOVR.

2. Eligibility

By using our Services, you represent and warrant that:

You are at least 18 years old
You are legally capable of entering into a binding agreement
Any information you provide is true, accurate, and complete
You are using the Services only for lawful purposes

If you do not meet these requirements, you must not use the Services.

3. No Insurance Coverage Is Created by Website Use

Use of VKOVR.com, submitting a form, receiving a call, receiving a quote estimate, or communicating with VKOVR does not create an insurance policy, binder, guarantee of coverage, or insurer-client relationship unless and until:

An application is completed as required,
Coverage is approved by the applicable licensed carrier or provider,
All underwriting requirements are satisfied, and
Any required payment is accepted and confirmed.

No statement on the website should be interpreted as a promise that coverage has been issued or will be issued.

4. Insurance Information Disclaimer

The information on our website is provided for general informational and marketing purposes only.

It is not:

legal advice,
tax advice,
financial advice,
underwriting advice,
or a guarantee of policy availability, price, or eligibility.

Insurance products, availability, rates, limits, underwriting requirements, discounts, and eligibility may vary by:

state,
ZIP code,
driver/property/business profile,
carrier appetite,
claims history,
and other factors.

You should review all final policy documents carefully before purchasing coverage.

5. Quotes, Estimates & Availability

Any quote, estimate, comparison, recommendation, or premium indication provided through VKOVR is:

preliminary
non-binding
subject to verification
subject to carrier approval
subject to change without notice

Final pricing and eligibility depend on:

application accuracy,
underwriting review,
carrier requirements,
inspections,
reports,
and applicable laws.

VKOVR does not guarantee that every user will qualify for insurance or receive a specific rate or policy.

6. Consent to Be Contacted

By submitting your phone number, email address, or any contact information through our website, forms, ads, landing pages, or any related communication channel, you expressly consent to receive communications from VKOVR and its representatives, affiliates, service providers, and marketing or insurance-related partners, including:

phone calls,
recurring phone calls,
pre-recorded or AI-assisted voice calls,
SMS/text messages,
emails,
voicemail drops,
appointment reminders,
quote follow-ups,
service updates,
marketing communications.

These communications may be made using:

automated technology,
auto-dialing systems where permitted by law,
AI-assisted communication tools,
CRM workflows,
manual outreach.

Important Contact Consent Terms

By submitting your information, you agree that:

Message frequency varies. You may receive up to 30 messages per month related to your insurance inquiry.
such contact may occur even if you do not immediately purchase a product or service
your consent is not a condition of purchase
message and data rates may apply
consent may be revoked at any time using reasonable opt-out methods

SMS disclosures

Text STOP to any message to opt out of SMS communications. Text HELP for support or contact support@vkovr.com. Message and data rates may apply. Message frequency varies.

How to Opt Out

You may opt out by:

replying STOP to SMS,
clicking unsubscribe in emails,
requesting removal by phone or email,
or contacting us directly.

We will honor opt-out requests in accordance with applicable law.

7. Consent to Call Recording and AI-Assisted Communications

By communicating with VKOVR, you acknowledge and agree that calls, chats, forms, and other communications may be:

monitored,
recorded,
transcribed,
summarized,
analyzed,
and processed using software, automation, or AI tools

for purposes including:

quality assurance,
training,
customer service,
lead qualification,
compliance,
analytics,
workflow automation,
and service improvement.

If you do not consent to recorded or AI-assisted communications, you should not continue the interaction and should request an alternative method where available.

8. Lead Matching, Partner Sharing & Referrals

To help provide insurance options, quotes, consultations, or related services, VKOVR may share your submitted information with:

licensed insurance agents,
brokers,
carriers,
wholesalers,
service partners,
technology vendors,
affiliated businesses,
marketing or operational partners,

where reasonably necessary to process your inquiry, provide quote options, or support related service workflows.

By using our Services, you acknowledge and agree that:

VKOVR may route or assign your inquiry internally or externally,
one or more providers may contact you,
not all providers or products may be available in all jurisdictions,
recommendations may be influenced by operational, eligibility, or partner availability factors.

9. User Responsibilities

You agree that you will:

Provide accurate, complete, and current information
Use the Services only for lawful purposes
Not impersonate any person or entity
Not submit false, misleading, or fraudulent information
Not interfere with the website, systems, forms, APIs, or security features
Not scrape, copy, reverse engineer, or misuse website content or systems
Not use the Services to spam, harass, or disrupt operations

We reserve the right to reject, suspend, or block any user or submission that appears fraudulent, abusive, suspicious, unlawful, or operationally harmful.

10. Website Content & Intellectual Property

All content on VKOVR.com, including but not limited to:

text,
copy,
branding,
design,
logos,
icons,
page structure,
graphics,
UI elements,
software,
workflows,
lead handling systems,
AI-assisted tools,
CRM logic,
and related materials,

is owned by or licensed to VKOVR and is protected by intellectual property laws.

You may not:

copy,
reproduce,
republish,
distribute,
modify,
resell,
mirror,
or exploit any part of the Services without prior written permission.

11. Third-Party Services, Links & Carriers

Our Services may include or reference:

third-party websites,
insurance carriers,
partner services,
communication tools,
analytics tools,
scheduling systems,
embedded forms,
external platforms.

We do not control all third-party content or services and are not responsible for:

availability,
pricing,
underwriting decisions,
website content,
external privacy practices,
or third-party service failures.

Any dealings with third parties are at your own risk and subject to their own terms and policies.

12. No Guarantee of Results

VKOVR does not guarantee:

approval for insurance,
policy issuance,
lowest rates,
specific savings,
exact coverage outcomes,
claim outcomes,
business results,
or response times.

Any examples, illustrations, or marketing statements are for general informational purposes only and should not be interpreted as guarantees.

13. Disclaimer of Warranties

To the fullest extent permitted by law, the Services are provided “as is” and “as available” without warranties of any kind, whether express or implied.

We disclaim all warranties including, without limitation:

merchantability,
fitness for a particular purpose,
non-infringement,
uninterrupted availability,
error-free operation,
or accuracy/completeness of content.

We do not guarantee that:

the website will always be available,
forms will always submit successfully,
communications will always be delivered,
or all data will remain error-free.

Standard website terms commonly include warranty disclaimers, limitation of liability, rules of use, and governing-law clauses to define user expectations and protect the business.

14. Limitation of Liability

To the fullest extent permitted by law, VKOVR and its owners, officers, employees, contractors, affiliates, licensors, partners, vendors, and service providers shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to:

lost profits,
lost opportunities,
lost savings,
business interruption,
lost data,
policy denial,
communication failures,
carrier decisions,
or third-party actions,

arising out of or related to your use of the Services.

If VKOVR is found liable for any claim arising out of these Terms or your use of the Services, our total aggregate liability shall not exceed the greater of:

USD $100, or
the amount you paid directly to VKOVR (if any) in the 3 months preceding the event giving rise to the claim.

Some states may not allow certain limitations, so parts of this section may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless VKOVR and its affiliates, officers, employees, contractors, agents, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

your use of the Services,
your submitted information,
your violation of these Terms,
your violation of applicable law,
your infringement of any rights of another person or entity.

16. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, store, and share your information.

By using VKOVR, you acknowledge that you have read and understood our Privacy Policy.

17. Electronic Communications & E-Sign Consent

By using our Services, you consent to receive communications electronically, including via:

email,
SMS,
website notices,
CRM follow-ups,
digital disclosures.

You agree that such communications may satisfy legal communication requirements to the extent permitted by law.

If you complete forms, acknowledgments, or digital submissions, you agree that your electronic action may be treated as your signature where permitted.

18. Service Availability & Modifications

We reserve the right, at any time and without notice, to:

modify the website or Services,
change content, forms, offers, or workflows,
suspend or discontinue any feature,
reject or remove submissions,
restrict access to any user or region,
update our partner or product relationships.

We are not liable if any part of the Services becomes unavailable or changes over time.

19. Termination / Suspension

We may suspend, restrict, or terminate your access to the Services at any time, with or without notice, if we believe you have:

violated these Terms,
submitted false or harmful information,
engaged in abuse, fraud, or misuse,
interfered with our systems,
or created legal, security, or operational risk.

Termination does not waive any rights or remedies we may have.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to conflict-of-law principles.

A governing-law clause helps define which state’s laws control disputes arising under the agreement.

21. Dispute Resolution

A. Informal Resolution First

Before filing any legal claim, you agree to first contact us and attempt to resolve the dispute informally.

B. Arbitration (Optional but Recommended)

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration on an individual basis, except where prohibited by law.

C. No Class Actions

To the fullest extent permitted by law, you agree to resolve disputes only on an individual basis and not as part of any class, collective, or representative action.

Important: Arbitration and class-action language should be reviewed by a U.S. attorney before final publishing.

22. State Law Notice / Insurance Licensing

Insurance products and advisory availability may vary by state. Certain services may only be offered where legally permitted and through appropriately licensed persons or entities.

Nothing on this website is intended to solicit insurance business in any jurisdiction where such activity would be unlawful.

You are responsible for reviewing state-specific disclosures where applicable.

23. Force Majeure

VKOVR shall not be liable for delays, failures, or interruptions caused by events beyond our reasonable control, including but not limited to:

internet or telecom outages,
software failures,
cyber incidents,
third-party platform outages,
natural disasters,
labor disruptions,
government actions,
carrier delays,
or force majeure events.

24. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the revised version with a new Effective Date.

Your continued use of the Services after changes are posted means you accept the updated Terms.

It is your responsibility to review these Terms periodically.

25. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

26. Entire Agreement

These Terms, together with our Privacy Policy and any additional posted legal notices or disclosures, constitute the entire agreement between you and VKOVR regarding the Services.

27. Contact Information

If you have questions about these Terms, please contact:

VKOVR

Website: VKOVR.com
Email: support@vkovr.com
Phone: +1 (612) 482-8394
Mailing address: request our business mailing address via support@vkovr.com or the Contact page.