Terms and Conditions

Effective Date: March 2025

Welcome to Infinite Risk Management & Insurance Solutions (“Infinite Risk,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website https://infinitermis.com/ (the “Site”) and our services.

By accessing or using our Site and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site or services.


1. Use of Our Services

Eligibility

You must be at least 18 years old to use our services.

User Conduct

You agree to use our Site and services only for lawful purposes and in a manner that does not infringe the rights of or restrict others from using the Site. You further agree not to:

  • Engage in any conduct that could damage, disable, or impair the operation of our Site.
  • Use the Site in any way that violates applicable laws or regulations.

2. SMS/MMS Messaging Terms

By providing your phone number and consenting to receive SMS/MMS messages from us, you agree to the following terms related to our messaging services:

Types of Messages

You may receive messages related to our insurance products, policy updates, promotions, and customer service notifications.

Message Frequency

Message frequency may vary based on your interactions with our services and the information you request.

Charges and Data Rates

Standard message and data rates from your mobile service provider may apply. Please contact your provider for details.

Opt-Out Process

You may opt out at any time by replying STOP to any message. Once you opt out, you will no longer receive SMS/MMS communications from us.

Customer Support for Messaging

For assistance, reply HELP to any message or contact us at hello@infinitermis.com.

Additional Messaging Terms

Message frequency varies per user. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe. Carriers are not liable for delayed or undelivered messages.


3. Wireless Carrier Authorization

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Infinite Risk Management and Insurance Solutions, Inc. or its service provider for the duration of your business relationship, solely to help identify you or your wireless device and to prevent fraud.

Please refer to our Privacy Policy for details on how we handle your data.


4. Intellectual Property

All content on our Site, including text, graphics, logos, images, and software, is the property of Infinite Risk or its content suppliers and is protected by applicable intellectual property laws.

You may not use, reproduce, or distribute any content from the Site without our express written permission.


5. Disclaimers and Limitation of Liability

No Warranty

Our Site and services are provided “as is” without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the fullest extent permitted by law, Infinite Risk shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, goodwill, or other intangible losses resulting from:

  • Your access to or use of, or inability to access or use, our Site or services
  • Any conduct or content of any third party on the Site
  • Unauthorized access, use, or alteration of your transmissions or content

6. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

You consent to the exclusive jurisdiction and venue of courts located in California for any disputes arising out of or relating to these Terms.


7. Changes to These Terms

We may update these Terms from time to time. Any significant changes will be posted on our Site with an updated effective date.

Your continued use of our Site or services after changes are posted constitutes acceptance of the revised Terms.


8. Contact Us

If you have any questions regarding these Terms, please contact us:


9. Privacy Policy Reference

For information about how we handle your personal data, please review our Privacy Policy. The Privacy Policy is incorporated by reference solely for data handling practices; these Terms govern your use of our Site and services.