Terms of Service
These Terms of Service (this “Agreement” or these “Terms”), together with our Privacy Policy, govern your access to and use of the website, client portal, communications, and related services (collectively, the “Services”) made available by Alton Risk Insurance Services LLC (“Alton Risk,” “we,” “us,” or “our”). “You,” “your,” or “Client” refers to you individually or, if you are accessing the Services on behalf of a business or other organization, that organization. By accessing or using the Services, you agree to be bound by this Agreement. If you do not agree, you may not use the Services.
This Agreement includes a provision requiring arbitration of disputes and a waiver of class actions. Please review Section 18 carefully.
1. Who We Are
Alton Risk Insurance Services LLC is a licensed insurance brokerage focused on placements for emerging technology, venture-backed, and high-growth companies. Alton Risk arranges insurance placements with licensed insurance carriers and surplus lines carriers on behalf of clients; Alton Risk is not an insurance carrier and does not underwrite, issue, or guarantee any policy of insurance.
2. Acceptance of These Terms
By using the Services, you represent that you have read and understood this Agreement, that you have the legal capacity to enter into it, and, if you are acting on behalf of a company or other entity, that you have authority to bind that entity to these Terms. Your continued use of the Services after any update to these Terms constitutes your acceptance of the updated Terms.
3. Privacy Policy
Our collection, use, and disclosure of information about you is described in our Privacy Policy, which is incorporated into this Agreement by reference. By using the Services, you consent to the collection and use of your information as described there.
4. Eligibility and Account Registration
The Services are intended for use by businesses and individuals capable of entering into a binding contract, and are not directed at, and may not be used by, anyone under the age of 18. If we make account registration available, you agree to provide accurate and current information, to keep your login credentials confidential, and to notify us promptly at the email address in Section 20 if you suspect unauthorized use of your account. We may refuse or cancel any registration, or suspend or terminate any account, at our discretion, consistent with applicable law.
5. Nature of Our Role; No Coverage Determinations
Alton Risk acts as an intermediary between you and insurance carriers, surplus lines carriers, wholesalers, and other third-party providers. We do not make underwriting or claims decisions, and we cannot bind coverage, waive policy terms, or guarantee that any carrier will offer or renew any policy. Any quote, indication, proposal, or binder we communicate to you is subject to the underwriting carrier's own terms, conditions, exclusions, and approval, and is not a representation that coverage will be issued on those terms. The insurance policy issued by a carrier — not any summary, proposal, or communication from Alton Risk — is the controlling document governing your coverage, and you should read it carefully and direct coverage interpretation questions to Alton Risk or the issuing carrier.
6. Information You Provide to Us
You agree to provide accurate, complete, and current information when requesting quotes, applying for coverage, or otherwise using the Services, and you represent that you have the necessary rights and consents to share any information you provide about your business, employees, or other third parties. Providing false, misleading, or incomplete information may affect your ability to obtain or maintain coverage and may result in denial of claims by a carrier. Any feedback, ideas, or suggestions you voluntarily submit to us may be used by us without obligation or compensation to you.
7. Communications and Consent to Contact
By providing us with your phone number, email address, or other contact information — including in connection with a request for a quote — you consent to receive calls, emails, and text messages from Alton Risk related to your request, your coverage, and our Services, including through automated or pre-recorded means where permitted by law. This consent applies even if your number appears on a do-not-call registry. You may opt out of non-essential marketing communications at any time by following the unsubscribe instructions provided or by contacting us directly; we may still contact you regarding active policies, renewals, or servicing matters necessary to administer your account.
8. Acceptable Use
You agree not to use the Services to:
- Violate any applicable law, regulation, or third party's rights;
- Submit false, fraudulent, or misleading information in connection with an application, claim, or quote request;
- Interfere with, disrupt, or attempt to gain unauthorized access to the Services or related systems or networks;
- Use automated means (bots, scrapers, or similar tools) to access, extract data from, or interact with the Services without our prior written consent;
- Impersonate any person or entity, or misrepresent your affiliation with any person or entity; or
- Reproduce, resell, or commercially exploit any portion of the Services without our express written consent.
We may investigate and take appropriate action against anyone who violates this Agreement, including suspending or terminating access to the Services and, where warranted, referring the matter to law enforcement.
9. Fees and Compensation Disclosure
Access to our website and general educational content is free of charge. Alton Risk is typically compensated through commissions paid by insurance carriers as a percentage of policy premium, and in some cases may charge clients a separate broker or service fee, which will be disclosed to you in advance. Alton Risk may also receive contingent, supplemental, or other incentive compensation from certain carriers based on factors such as volume, growth, or retention across our book of business with that carrier; the existence and amount of such compensation is not always known at the time a policy is placed. If you have questions about how Alton Risk is compensated on your account, contact us using the information in Section 20 and we will provide available details.
Where you authorize payment by a credit card, ACH, or other payment method, you represent that you are authorized to use that payment method and authorize us or our carrier partners to charge the agreed premium, fees, and applicable taxes. Cancellation terms, including any minimum earned premium or short-rate cancellation penalty, are set by the issuing carrier and will be described in your policy or proposal — review those documents before cancelling coverage.
10. Third-Party Carriers and Service Providers
The Services may reference or connect you with insurance carriers, wholesalers, premium finance companies, or other third-party service providers. We do not control, and are not responsible for, the products, services, acts, or omissions of these third parties. Any agreement you enter into with a third-party carrier or provider is solely between you and that party, and you are encouraged to review its terms carefully and to consult your own legal, tax, or financial advisors before making coverage decisions.
11. Intellectual Property
The Services, including all text, graphics, logos, trade names, and underlying software (collectively, “Content”), are owned by or licensed to Alton Risk and are protected by applicable intellectual property laws. Except as necessary to use the Services for their intended purpose, you may not copy, modify, distribute, or create derivative works of the Content without our prior written consent. “Alton Risk” and associated logos are trademarks of Alton Risk Insurance Services LLC; nothing in this Agreement grants you any right to use them.
12. Disclaimers
EXCEPT AS EXPRESSLY STATED IN A WRITTEN AGREEMENT BETWEEN YOU AND ALTON RISK, THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY QUOTE, PROPOSAL, OR GENERAL COVERAGE DESCRIPTION WILL MATCH THE FINAL TERMS ISSUED BY A CARRIER. GENERAL INFORMATION PROVIDED THROUGH THE SERVICES IS FOR INFORMATIONAL PURPOSES ONLY AND IS NOT A SUBSTITUTE FOR REVIEWING YOUR ACTUAL POLICY OR FOR INDEPENDENT LEGAL, TAX, OR FINANCIAL ADVICE.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, ALTON RISK AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT WILL NOT EXCEED THE TOTAL FEES, IF ANY, PAID BY YOU DIRECTLY TO ALTON RISK (AS DISTINCT FROM PREMIUM PAID TO A CARRIER) FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY. NOTHING IN THIS AGREEMENT IS INTENDED TO LIMIT LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW OR STATE INSURANCE REGULATIONS.
14. Indemnification
You agree to indemnify, defend, and hold harmless Alton Risk and its owners, officers, employees, and agents from and against any third-party claims, losses, liabilities, damages, and reasonable expenses (including attorneys' fees) arising out of your breach of this Agreement, your misuse of the Services, or your provision of inaccurate or fraudulent information to us or to a carrier.
15. Term; Suspension and Termination
This Agreement remains in effect for as long as you use the Services. We may suspend or terminate your access to the Services at any time, with or without cause or notice, including for violation of this Agreement, though we will endeavor to provide reasonable notice where practical and where doing so would not compromise the integrity of the Services or the rights of others. Termination of Services access does not, by itself, cancel any in-force insurance policy; policy cancellation is governed by the terms of that policy and applicable law.
16. Minors
The Services are not directed to, and may not be used by, individuals under the age of 18. If we become aware that we have collected personal information from a minor without appropriate consent, we will take reasonable steps to delete that information.
17. Governing Law and Jurisdiction
This Agreement is governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws principles. Subject to Section 18 (Arbitration), you agree that any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Pennsylvania, and you consent to personal jurisdiction and venue there.
18. Arbitration Agreement and Class Action Waiver
Any dispute, claim, or controversy arising out of or relating to this Agreement or the Services that cannot be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court where it qualifies. THE ARBITRATION WILL PROCEED ON AN INDIVIDUAL BASIS ONLY; YOU AND ALTON RISK EACH WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) may proceed in court, and the remainder of this arbitration provision will remain in effect for all other claims. You may opt out of this arbitration provision by sending written notice to the address in Section 20 within 30 days of first accepting these Terms; timely opt-out will not affect any other part of this Agreement.
19. Force Majeure
Neither party will be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, natural disaster, war, civil unrest, labor disputes, governmental action, or failures of third-party infrastructure.
20. General Provisions
Entire Agreement. This Agreement, together with our Privacy Policy and any signed engagement or client agreement between you and Alton Risk, constitutes the entire agreement between you and us regarding the Services and supersedes any prior agreements on that subject.
Amendments. We may update these Terms from time to time. Material changes will be posted on our website with an updated “Last Updated” date, and where required by law, we will provide advance notice before the change takes effect. Continued use of the Services after an update constitutes acceptance of the revised Terms.
No Oral Modification. This Agreement may only be modified in writing signed by an authorized representative of Alton Risk, or by our posting of updated Terms as described above; no employee or agent has authority to orally modify these Terms.
Severability. If any provision of this Agreement is found unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force.
No Waiver. Our failure to enforce any provision of this Agreement will not be deemed a waiver of that or any other provision.
Assignment. You may not assign or transfer your rights under this Agreement without our prior written consent. We may assign this Agreement in connection with a merger, acquisition, or sale of assets.
No Third-Party Beneficiaries. This Agreement is for the benefit of you and Alton Risk only and does not create rights in any third party.
Notices. We may provide notices to you by posting on our website, by email to the address you provided, or by mail, and you agree that electronic notice satisfies any legal writing requirement.
21. Contact Us
Questions about these Terms, or complaints regarding the Services, may be directed to:
Alton Risk Insurance Services LLC
Attn: Legal / Compliance
114 Mulberry Ln, Newtown Sq., PA 19073
Email: connect@altonrisk.io