Terms and Conditions

Terms

Last Updated: 04/8/2026


The use of this website and any future interactions with Navita Insurance and Benefits or its representatives (whether in person, virtually or via electronic communications) is expressly conditioned on your acceptance of these Terms of Use. If you do not agree with any part of the Terms of Use, you must not use this website.


You must be at least 18 years of age to use this website. By using this website, you warrant and represent that you are at least 18 years of age.


By agreeing to these Terms, you are giving up certain legal rights, including the right to bring a claim in court or to participate in a class action, and are agreeing to mandatory binding individual arbitration of disputes as described below.


License to Use Website

Except where otherwise indicated, all materials on this website are the property of Navita Insurance and Benefits, its affiliates, or licensors.


You may not:

  • Republish or redistribute website material
  • Sell or sublicense content
  • Copy or exploit material for commercial use
  • Modify or reproduce content without written permission


IMPORTANT: Insurance Transactions

Policyholders cannot bind, change, or cancel coverage except by speaking to a licensed representative of Navita Insurance and Benefits.


Coverage cannot be bound via email, text, or voicemail. Coverage is not effective until confirmed in writing or via policy documents.


Recordings and Monitoring

By interacting with us, you consent to monitoring and recording for quality, training, and marketing purposes.

Do not submit sensitive personal data (e.g., SSN or credit card info) via chat or text.


Acceptable Use

You agree not to:

  • Use the site for unlawful or harmful purposes
  • Upload malicious software
  • Perform data scraping or harvesting
  • Send unsolicited communications


Restricted Access

We may restrict access to parts of the website at our discretion. You are responsible for maintaining confidentiality of login credentials.


User Content

You grant Navita Insurance and Benefits a worldwide, royalty-free license to use submitted content.

Content must not be unlawful or infringe third-party rights.


No Warranties

This website is provided "as is" without warranties of any kind.

We do not guarantee:

  • Continuous availability
  • Accuracy or completeness of content
  • Availability of insurance products


Insurance Disclaimer

Navita Insurance and Benefits is a licensed insurance agency. All products are subject to availability and underwriting by third-party carriers.


Dispute Resolution (Arbitration Agreement)

All disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA).

You waive the right to:

  • Trial by jury
  • Class action participation


Limitation of Liability

Navita Insurance and Benefits is not liable for indirect, incidental, or consequential damages, including loss of profits or data.


Disclaimer of Warranty

All services are provided "as is" without warranties, including merchantability or fitness for a particular purpose.


Indemnification

You agree to indemnify Navita Insurance and Benefits against claims arising from your use of the website or violation of these Terms.


Third-Party Sites

We are not responsible for third-party websites linked from this site.


Updates to Terms

We may revise these Terms at any time. Continued use of the site constitutes acceptance of updates.


Governing Law

These Terms are governed by the laws of the State of Florida.


SMS Communications (TCPA Disclosure)

By providing your phone number and opting into SMS communications, you expressly consent to receive recurring text messages, including marketing and informational messages, from Navita Insurance and Benefits at the number provided.

  • Consent is not a condition of purchase
  • Messages may be sent using an autodialer or other automated technology
  • Message frequency varies
  • Message and data rates may apply


You may opt out at any time by replying STOP. After opting out, you will receive a final confirmation message.

For assistance, reply HELP or call 850-733-6876.


Carriers are not liable for delayed or undelivered messages.


Contact Information

Navita Insurance and Benefits
1007 N 12th Ave
Pensacola, FL 32501
Phone: 850-733-6876
info@navitains.com


Exceptions

Nothing in these Terms will exclude or limit any warranty implied by law that cannot be excluded.


Reasonableness

By using this website, you agree that the limitations of liability are reasonable. If you do not agree, you must not use this website.


Unenforceable Provisions

If any provision is found unenforceable, the remaining provisions will remain in effect.


Breaches of Terms

If you breach these Terms, Navita Insurance and Benefits may:

  • Suspend or terminate your access
  • Block your IP address
  • Take legal action if necessary


Submitted Ideas

Any ideas or materials submitted to Navita Insurance and Benefits may be used without compensation or restriction.


Assignment

We may transfer our rights under these Terms without notice. You may not transfer your rights.


Entire Agreement

These Terms constitute the entire agreement between you and Navita Insurance and Benefits regarding use of this website.


Privacy Policy

Your use of this website is also governed by our Privacy Policy.


Venue

Any disputes shall be handled in a court of competent jurisdiction in Florida where applicable.

This document should be reviewed by legal counsel to ensure compliance with applicable laws and regulations.