Terms of Service

Welcome to WonderCare Insurance Services LLC. By using our website, services, or SMS messaging program, you agree to these Terms of Service (“Terms”). Please read them carefully before accessing or using our services.

  1. Acceptance of Agreement

By accessing or using our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you are using our services on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

  1. Use of Services

You agree to:

  • Provide accurate and complete information when creating an account, applying for insurance, or submitting claims.
  • Use our services solely for their intended purposes (e.g., obtaining insurance coverage, managing policies, filing claims).
  • Comply with all applicable laws and regulations.

Prohibited Uses:

You may not:

  • Misrepresent information or engage in fraudulent activity.
  • Interfere with or disrupt our services.
  • Violate applicable laws or regulations.
  • Use SMS services to send spam, share sensitive personal or financial information unrelated to your policy, or engage in harassment or abusive behavior.

We reserve the right to suspend or terminate your access if you violate these Terms.

  1. Account Registration

To access certain features, you may need to create an account. You are responsible for maintaining the confidentiality of your account credentials. If you become aware of unauthorized use, notify us immediately at support@wondercare.com.

  1. SMS Messaging Program

Opt-In Process: By providing your phone number, you consent to receive text messages related to your policies, claims, and promotional offers. Consent is not a condition of purchasing insurance services.

Opt-Out: You may opt out anytime by texting “STOP” to +1 347-752-5453. To re-subscribe, text “START” to the same number.

Message Frequency & Charges: Message frequency varies based on service activity. Standard carrier message and data rates apply.

  1. Payments and Billing
  • You are responsible for providing accurate payment and billing information.
  • Premiums and fees must be paid as outlined in your policy documents.
  • Cancellation and refund terms are detailed in your policy documents.
  • Where permitted by state and federal law, we reserve the right to charge a credit card fee when using a credit card for payment of your policies or other policy changes that result in a charge.
  1. How We Are Compensated

Standard Commissions

We typically receive commissions paid by insurers. Upon request, we will provide further details regarding compensation related to your placement. Your acceptance of a proposal, direction to bind coverage, or payment constitutes your consent to this compensation.

We may use other parties (e.g., wholesale brokers, underwriter managers) to facilitate your coverage. These parties may also earn commissions, but your premium remains unchanged.

Contingent Commissions

In addition to standard commissions, we may also be entitled to contingent commissions from certain insurers with which we do business, which will be calculated on various factors established by the insurance company including, but not limited to, business volume, profitability, new business generated, existing business retained, or loss experience of the business we place with the insurer.

  1. Watch-Specific Insurance Services
  • Valuations & Appraisals: High-value watches ($100,000+) and high-value collections ($200,000+) may require appraisals and/or additional underwriting.
  • Claims Process: Claims are subject to verification; stolen or lost items may require a police report.  While we assist in the claims process for the duration of our relationship with you as our client, as an insurance intermediary, we DO NOT have the authority to make determinations of coverage on behalf of any insurer with which we work and we DO NOT have authority to settle a claim on your behalf.
  1. Privacy Policy

Your use of our services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data. By using our services, you consent to these practices.

  1. Intellectual Property

All content, trademarks, and materials provided by WonderCare are owned or licensed by us. You may not copy, distribute, or use them without prior written consent.

  1. Limitation of Liability

To the fullest extent permitted by law, WonderCare is not liable for:

  • Indirect, incidental, or consequential damages.
  • Technical failures, including SMS delays.
  • Errors in policy documents or claims decisions.

Our total liability is limited to the amount you paid for the service, if applicable.

  1. Disclaimer of Warranties

We provide services on an “as-is” and “as-available” basis and make no guarantees regarding availability, accuracy, or reliability.

  1. Governing Law and Arbitration

These Terms are governed by the laws of Florida. Disputes will be resolved through binding arbitration under the American Arbitration Association (AAA), and you waive the right to participate in a class action.

  1. Changes to These Terms

We may update these Terms at our discretion. Material changes will be posted on our website at least 30 days in advance. Continued use after changes are posted constitutes acceptance.

  1. Contact Us

For any questions: Email: support@wondercare.com
Phone: +1 347-752-5453
Address: WonderCare Insurance Services LLC, 2045 Biscayne Blvd. Suite # 377 Miami, FL 33137

Last updated: March 2025