Terms of Service
1. Operator, Brand, and Acceptance
H2 Quoter is a brand and website name only; it is not a separate legal entity. The Site is operated by Rebecca Byrom Insurance Agency, Inc. d/b/a California Flood Insurance Services, California Insurance License #0L75450 ("RBIA," "CFI," "H2," "we," "us," or "our"). The contracting party for these Terms is Rebecca Byrom Insurance Agency, Inc. d/b/a California Flood Insurance Services. The California insurance license sits on the corporation.
The Site is a producer-recruitment website aimed at licensed retail insurance agents seeking appointment to sell flood products. Public visitors may view educational flood pages. These Terms also apply to appointed producers who use the Agent Portal. Use of the Site or the Agent Portal is not employment, a partnership, a joint venture, or a grant of binding authority.
Other websites may be operated by the same corporation under other brands. Each site may have its own posted terms and privacy notice. Those other brands are not the contracting party for this Site. The operator of this Site is RBIA d/b/a California Flood Insurance Services only.
By accessing or using the Site or the Agent Portal, submitting information, or using a feature of the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services. Additional terms presented with an appointment application, e-signature, payment, portal, SMS program, broker agreement, or carrier service also apply to that feature. If those specific terms conflict with these Terms, the specific terms control for that feature. A separately executed broker agreement, if offered, governs the producer relationship and is not replaced by these Terms.
2. Insurance Agency; Availability
RBIA is a licensed insurance producer. The Site is a producer-recruitment website. The Agent Portal is a SaaS quoting product for appointed producers. Through the Agent Portal, appointed producers may quote flood products that RBIA offers through insurance markets. Coverage is issued by the insurer identified on the quote, binder, declarations, or policy. These Terms do not represent that RBIA is the insurer, managing general agent, or coverholder for any particular program unless those transaction documents so state.
Appointed producers may be directed to a third-party rating and policy-administration platform (currently Instanda) via the Agent Portal at https://agent.h2quoter.com or a successor URL. A link to that portal is not itself an appointment, a grant of authority, employment, or a binder. Portal use is limited to appointed producers.
We provide services only in jurisdictions where properly licensed or otherwise permitted. The Site may be accessible nationwide, but a product, insurer, quote, appointment, or service may not be available in every state or for every risk. Licensing, eligibility, underwriting, forms, rates, limits, deductibles, taxes, fees, and coverage vary by jurisdiction and carrier.
3. Educational Content; No Professional Advice
Site content is for general informational and educational purposes. It is not legal, tax, accounting, engineering, surveying, lending, real-estate, catastrophe-modeling, or risk-management advice and is not a substitute for reviewing an actual policy or consulting an appropriate professional.
Flood, NFIP, private-flood, and FAQ content is educational. It is aimed at helping licensed agents understand why and how to place flood coverage, and at helping the public understand flood insurance generally. The Site is not a consumer shopping site. Flood maps, flood zones, elevation information, lender requirements, comparisons, costs, examples, and coverage summaries may change and may not apply to a given property. The issued policy, endorsements, declarations, carrier rules, and applicable law control.
4. Quotes, Applications, and Underwriting
4.1 Two paths of use
The Services support two principal paths. Path A is producer appointment on the Site: a licensed retail agent may apply at https://h2quoter.com/agent-appointment/ (currently Cognito Forms). If RBIA offers an appointment, a separate broker agreement governs the producer relationship. These Terms do not replace that agreement. Path B is SaaS portal quoting: an appointed producer may log into the Agent Portal and enter customer data to obtain real-time flood insurance indications. A quote is not a binder. If a policy is purchased, customer and policy information is used for underwriting and is added to our CRM. The two paths are separate. Completing an appointment application does not grant portal access, and a link to the portal is not an appointment.
4.2 Producer appointment is an application only
Submitting a producer-appointment application through the Site or Cognito Forms is an application only. It is not an offer of employment and does not guarantee appointment, a broker agreement, appointments in any state, Agent Portal access, binding authority, or commissions. Any appointment, compensation, or producer relationship is governed by a separate broker or appointment agreement, if one is offered and executed. We may decline, limit, condition, or withdraw an appointment application at our discretion, subject to applicable law.
4.3 Quotes are estimates
Any quote, premium indication, comparison, savings estimate, coverage summary, or eligibility result generated through the Agent Portal is a real-time indication only. It is preliminary, nonbinding, and subject to verification. A quote is not an offer to insure and does not guarantee price, eligibility, limits, deductibles, form, carrier acceptance, or renewal. Instanda has its own terms of use and privacy notice, which also apply when you use that platform. Any public quote form on the Site, if offered, is secondary optional intake and is not the primary purpose of the Site.
4.4 No binder or coverage
Submitting a form, application, document, payment, signature, or request does not bind coverage. You may not rely on the Site, the Agent Portal, voicemail, email, chat, or text message as confirmation that coverage is in force. Coverage can be established only through written confirmation issued by a party acting within valid authority on behalf of the identified insurer or underwriters, subject to the governing policy terms, binding authority, and receipt of required premium.
4.5 Carrier decisions
Final underwriting, rating, coverage, cancellation, nonrenewal, and claims decisions are made by the applicable insurer or authorized underwriter identified on the quote or policy. No outcome is guaranteed. These Terms do not represent that RBIA is the insurer, managing general agent, or coverholder unless the transaction documents so state.
4.6 Waiting periods and effective dates
Flood policies may be subject to statutory, NFIP, lender, or carrier waiting periods and effective-date rules. Purchasing coverage after a storm is forecast, a loss occurs, or flooding begins may be prohibited or ineffective. Do not assume same-day coverage unless expressly confirmed in writing.
4.7 Surplus lines
A non-admitted or surplus lines policy may not be protected by a state guaranty association and may be subject to taxes, fees, and disclosures. The quote or policy identifies the insurer. Any required surplus lines notice will be provided separately with the applicable quote or policy documents.
5. Your Information and Responsibilities
You represent that you are at least 18, have legal capacity, and are authorized to use the Services for the purpose you pursue. If you are a retail agent applying for appointment, you represent that the professional information you submit is accurate. If you are an appointed producer submitting customer data in the Agent Portal, you represent that you are licensed where required and authorized to submit that customer data. If acting for a business, association, trust, owner, agency, or other person, you represent that you have authority to bind that party to these Terms.
You must provide complete, current, and accurate information and promptly correct errors. Material misstatements or omissions—including producer credentials, licensing, E&O, tax-identification information, or, in the Agent Portal, property location, occupancy, construction, foundation, elevation, basement or enclosure, prior losses, values, mortgagee, or intended use—may change a quote or result in denial, cancellation, rescission, reduced coverage, denial of a claim, or denial or termination of an appointment.
Do not submit unnecessary personal data about unrelated third parties through the Site. Appointed producers should submit only customer data needed for the insurance transaction. You are responsible for reviewing applications, quotes, policy documents, coverage limits, deductibles, exclusions, waiting periods, lender requirements, invoices, notices, and any broker or appointment documents. Notify us promptly if anything is incorrect or if your circumstances change.
You must maintain secure access to your email, phone, portal credentials, and devices and notify us of suspected unauthorized access.
6. Payments, Premium Financing, and Refunds
Payments are subject to successful processing and acceptance by the carrier, premium finance company, or payment provider. A pending, rejected, reversed, returned, or disputed payment does not create or continue coverage. Failure to pay may lead to cancellation as permitted by the policy and law.
Premium financing is governed by a separate agreement. Finance charges, installment fees, cancellation authority, refunds, minimum earned premium, taxes, inspection fees, policy fees, and broker fees may apply as disclosed by the carrier, finance company, or transaction documents.
Premium refunds, if any, are determined by the insurer, finance company, policy terms, and applicable law. We do not promise a particular refund amount or timing. Commission or compensation terms, if any, are governed by a separate broker agreement and are not set by these Terms.
7. Claims and Loss Notices
The Site may provide a first-notice-of-loss (FNOL) or claims form hosted by Cognito Forms, or other general claims information, to help route a notice. That form is a notice-routing aid only. It is not a substitute for reporting a claim directly to the insurer using the instructions in the applicable policy. If a loss occurs, take reasonable steps to protect property from further damage, preserve evidence, and comply with all policy duties and deadlines.
No statement on the Site or by agency personnel guarantees that a loss is covered. Coverage is determined by the carrier under the policy and facts of the claim.
8. Flood Maps, Models, and Third-Party Data
The Agent Portal quoting process may use FEMA and NFIP data, flood maps, elevation data, geolocation, property records, catastrophe models, valuation tools, lender information, Instanda rating data, and other third-party sources. Educational pages on the Site may display similar public flood-map information. Data may be incomplete, outdated, or incorrect, and maps, risk designations, or rating output may change or be wrong.
We do not warrant third-party data. You must review property details and provide corrections. A flood zone, model result, or Instanda rating indication does not establish whether a lender will require coverage, whether a carrier will accept the risk, or whether a loss is covered.
9. Automated Tools, AI, and Chat
The Agent Portal uses automated rating to generate real-time quote indications. We may also use automated systems and AI-assisted tools to answer general questions, organize submissions, identify missing information, or summarize communications. Outputs may be inaccurate, incomplete, or unsuitable for your circumstances.
Do not rely on an automated or AI response to bind, change, cancel, or interpret coverage, or to grant or confirm a producer appointment. A real-time portal quote is not a binder. Human and carrier review may be required. We may retain chat and tool interactions as described in the Privacy Policy.
10. Electronic Communications and E-SIGN
When you contact us electronically, you consent to receive responsive communications electronically. If you separately consent to electronic delivery, we may provide records, disclosures, policies, notices, signatures, and other communications through email, a secure portal, an e-signature service, or a text link where legally permitted.
Electronic records and signatures may have the same legal effect as paper records and handwritten signatures. Any E-SIGN disclosure presented during an application or transaction—including hardware/software requirements, paper-copy rights, contact-update obligations, and withdrawal procedures—forms part of your agreement for that transaction.
These Terms alone do not authorize electronic delivery where federal or state insurance law requires separate consent or a different delivery method.
11. SMS and MMS Terms
11.1 Consent and programs
If you affirmatively opt in through a form, application, signed consent, keyword, or other disclosed method, you authorize H2 Quoter, RBIA, CFI, and the servicing agent to send SMS/MMS messages to the number provided. Messages may use automated technology and may include appointment or quote follow-up. This chapter may be unused if the Site never sends texts.
11.2 Message types
Depending on your consent and relationship, messages may concern producer appointment, quotes, applications, underwriting questions, documents, policy status, billing, payment reminders, renewals, lapse or cancellation risk, claims, customer service, and—only where separately authorized—marketing or promotions.
11.3 Required disclosures
Consent to marketing texts is not a condition of requesting a producer appointment, purchasing insurance, or receiving a quote or service.
Message frequency varies. Message and data rates may apply.
Reply STOP to opt out of the applicable text program. Reply HELP for help or contact us at the information in Section 28.
We may send a one-time message confirming an opt-out. Delivery is not guaranteed, and mobile carriers are not liable for delayed or undelivered messages.
Mobile information is handled under our Privacy Policy at https://h2quoter.com/privacy-policy/ Mobile numbers and text opt-in data are not shared with third parties or affiliates for their own marketing.
11.4 Marketing and transactional choices
Marketing consent is optional and should be obtained separately where required. Opting out of marketing messages does not cancel your insurance, withdraw an application or appointment request, or prevent legally permitted service communications through other channels. If you no longer want any non-legally-required communications, contact us so we can update your preferences.
12. Email and Marketing Communications
We may send transactional and relationship emails concerning your inquiry, appointment application, producer relationship, or insurance. Where permitted and, if required, with consent, we may send commercial email about insurance products or services.
Marketing email will include a method to unsubscribe and will be handled in accordance with applicable law. Unsubscribing from marketing does not prevent transaction, policy, security, legal, or service messages.
13. Privacy
Our Privacy Policy, available at https://h2quoter.com/privacy-policy/, explains how we collect, use, disclose, and protect personal information. It is incorporated into these Terms by reference. If a transaction-specific privacy notice or carrier notice applies, that notice also governs the information within its scope.
14. Accounts and Security
The Agent Portal is a SaaS quoting product provided through Instanda (currently at https://agent.h2quoter.com or a successor URL). Portal credentials are for appointed producers only. Sharing logins is prohibited. A “New user” link, forgot-password flow, or producer-appointment application is separate from portal login and does not grant portal credentials, appointment, or authority to quote or bind. A link to the portal is not an appointment.
If a Site feature or the Agent Portal permits an account, you must provide accurate information, keep credentials confidential, and accept responsibility for activity under your account. Sharing logins, allowing unauthorized persons to use portal credentials, scraping rating output, using the portal to quote for unauthorized parties, or training models on rating output is prohibited. Notify us immediately of suspected compromise. We may require authentication, suspend or revoke portal or Site access, reset credentials, or take other steps to protect the Site, the portal, users, and customers.
15. Acceptable Use and Anti-Scraping
You may use the Site only for lawful purposes related to evaluating flood insurance education, applying for producer appointment, or—if you are an appointed producer—using the Agent Portal to quote authorized customer risks. You may not:
Access or use the Services in violation of law, regulation, sanctions, intellectual-property rights, privacy rights, or another person’s rights.
Submit false, misleading, fraudulent, malicious, or unauthorized appointment applications, applications, documents, claims information, or payment details.
Quote, bind, or attempt to quote or bind flood coverage without the licenses, appointments, and authorization required for that transaction, or use the Agent Portal to quote for unauthorized parties.
Harvest producer, agency, or customer data from the Site, forms, or portal.
Scrape rates, rating output, or quote flows for a competing MGA, carrier, agency, or quoting service.
Probe, scan, test, bypass, disable, overload, disrupt, or interfere with the Site, security controls, rate limits, authentication, servers, or networks.
Introduce malware, harmful code, or content; impersonate another person; harvest personal information; or use the Services to spam, phish, or defraud.
Use bots, spiders, crawlers, scrapers, automated agents, data-mining tools, browser automation, or similar means to access, extract, index, copy, monitor, train a model on, or reproduce Site content, portal data, or rating output without prior written permission, except that generally available search engines may crawl public pages in accordance with our robots instructions.
Reverse engineer, decompile, frame, mirror, copy, republish, sell, sublicense, create derivative works from, or commercially exploit the Site, Content, quote flows, or databases except as expressly permitted by law or written authorization.
Use Site or portal output to benchmark, build, train, or improve a competing product, rating service, model, dataset, or lead-generation service without written permission.
16. Intellectual Property
The Site and its text, graphics, design, compilation, software, forms, workflows, trademarks, service marks, trade names, and other content (collectively, “Content”) are owned by RBIA or licensed from others and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and use the Site for its intended purpose.
No license is granted to use the H2 Quoter name, logo, or other marks. Third-party, Instanda, Cognito, and carrier marks belong to their respective owners.
17. Copyright Complaints
If you believe Site material infringes your copyright, send a written notice to service@californiafloodinsurance.com identifying the copyrighted work, the allegedly infringing material and its location, your contact information, a good-faith statement that the use is unauthorized, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature.
18. User Submissions
You retain ownership of documents and content you submit. You grant us and parties involved in your requested insurance or appointment transaction a nonexclusive right to host, copy, transmit, process, and use submissions as necessary to operate the Services, respond to you, evaluate an appointment, quote or service insurance, comply with law, and protect rights.
Do not submit content you lack authority to provide. We are not obligated to publish user content and may remove or restrict content that violates these Terms.
19. Third-Party Services and Links
The Services may link to or integrate Instanda, Cognito Forms, carrier, FEMA/NFIP, map, lender, payment, finance, e-signature, chat, or social-media websites. Third parties control their services, terms, privacy practices, availability, and content. A link or integration is not an endorsement or warranty. Instanda and Cognito Forms are third-party services; their terms and privacy notices also apply when you use them. Producer rules, compensation, appointments, and portal authority are governed by the separately executed broker agreement, if one is offered, not by Instanda’s or Cognito’s terms alone, and not by these website Terms.
A link to the Agent Portal is not a grant of appointment, producer authority, employment, or the right to quote or bind. Your use of a third-party service is at your own risk and subject to its terms. We are not responsible for third-party acts, omissions, data, content, or service interruptions.
20. Site Availability and Changes
We may modify, suspend, restrict, or discontinue any Site feature, content, product, portal access, or service at any time. We do not guarantee that the Site or the Agent Portal will be available, secure, uninterrupted, current, or error-free. Maintenance, outages, cyber events, carrier or Instanda systems, telecommunications, disasters, or other events may affect availability.
21. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE, CONTENT, QUOTE TOOLS, AGENT PORTAL, CHAT FEATURES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” RBIA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
WE DO NOT WARRANT THAT A QUOTE, MAP, MODEL, VALUATION, COVERAGE SUMMARY, SAVINGS ESTIMATE, INSTANDA RATING OUTPUT, AI OUTPUT, OR THIRD-PARTY DATA IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOUR NEEDS. NOTHING IN THESE TERMS DISCLAIMS A WARRANTY THAT CANNOT LAWFULLY BE DISCLAIMED.
22. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, RBIA AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, COMMISSIONS, OR BUSINESS; OR DAMAGES ARISING FROM SITE OR PORTAL USE OR INABILITY TO USE, RELIANCE ON CONTENT OR AUTOMATED OUTPUT, THIRD-PARTY SERVICES OR DATA, UNAUTHORIZED ACCESS, OR DELAYED OR UNDELIVERED COMMUNICATIONS.
TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING FROM THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID DIRECTLY TO RBIA SOLELY FOR USE OF THE SITE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100.
These limitations do not apply to liability that cannot be excluded or limited under applicable law, and they do not alter rights or obligations under an issued insurance policy between you and an insurer, or under a separately executed broker agreement.
23. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless RBIA and its affiliates, officers, directors, employees, agents, licensors, and service providers from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful or unauthorized use of the Site or Agent Portal, your material breach of these Terms, your infringement of another’s rights, unauthorized submission of customer data, or content you submit. This section does not require indemnification for our own negligence or misconduct where prohibited by law.
24. Governing Law and Venue
Except where applicable consumer law requires otherwise, these Terms are governed by California law without regard to conflict-of-law rules. Any court proceeding not subject to a valid separate arbitration agreement must be brought in a state or federal court located in San Diego County, California, and each party consents to that venue and jurisdiction.
These Terms do not create a mandatory arbitration agreement. If a transaction or product includes a separate arbitration provision, that provision governs its scope and procedure.
25. Suspension and Termination
We may suspend or terminate Site or Agent Portal access when reasonably necessary to protect the Site, portal, users, or customers; investigate suspected fraud or abuse; comply with law; enforce these Terms; address inactivity or technical issues; or discontinue a feature. You may stop using the Services at any time. Suspension of portal access does not by itself terminate an issued insurance policy or a separately executed broker agreement.
Termination does not affect obligations or rights accrued before termination. Provisions that by their nature should survive—including intellectual property, disclaimers, limitations, indemnification, governing law, and miscellaneous terms—will survive.
26. Changes to These Terms
We may revise these Terms by posting an updated version and changing the effective or last-updated date. Material changes apply prospectively unless otherwise stated or permitted by law. If required, we will provide additional notice. Continued use after the effective date constitutes acceptance; if you disagree, stop using the Services.
27. Miscellaneous
These Terms, the Privacy Policy, and applicable feature- or transaction-specific terms constitute the agreement concerning use of the Site and the Agent Portal. They do not amend an insurance policy, carrier agreement, premium finance agreement, broker or appointment agreement, or separately signed consent.
If a provision is unenforceable, it will be limited to the minimum extent necessary and the remainder will remain effective. Failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a reorganization, sale, or transfer. Headings are for convenience only. Electronic copies are admissible to the same extent as other business records.
Neither party is liable for delay caused by events beyond reasonable control, except that this does not excuse payment obligations or duties imposed by an insurance policy or law.
28. Contact Information
H2 Quoter
Operated by Rebecca Byrom Insurance Agency, Inc. d/b/a California Flood Insurance Services
California Insurance License #0L75450
Website: https://h2quoter.com
Agent Portal: https://agent.h2quoter.com
Terms of Service URL: https://h2quoter.com/terms-of-service/
Email: service@californiafloodinsurance.com
Phone: 855-225-3566
Mail: 7960 Silverton Ave., Suite 203, San Diego, CA 92126
29. California Consumer Notice
People who live in California may contact the Complaint Assistance Unit of the Division of Consumer Services, California Department of Consumer Affairs, at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or at (800) 952-5210. This notice does not replace insurance-regulator complaint rights. Questions about the Services may be directed to service@californiafloodinsurance.com.
30. Acknowledgment
BY ACCESSING OR USING THE SITE OR THE AGENT PORTAL, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO THESE TERMS. YOU ALSO ACKNOWLEDGE THAT SITE CONTENT AND QUOTE OUTPUT DO NOT CREATE INSURANCE COVERAGE, THAT A REAL-TIME PORTAL QUOTE IS NOT A BINDER, AND THAT A PRODUCER-APPOINTMENT APPLICATION DOES NOT CREATE AN APPOINTMENT, EMPLOYMENT, BROKER AGREEMENT, OR COMMISSION ENTITLEMENT.
Important insurance notice. The Site by itself does not create insurance coverage. Portal quotes and indications are estimates only and are not binders. No policy, binder, endorsement, renewal, or change in coverage is effective unless confirmed in writing by a party acting within valid authority, accepted on behalf of the identified insurer or underwriters, and accompanied by any required premium. The quote or policy identifies the insurer.