Effective Date: October 1, 2026
These Terms of Use apply to the BYLT Insurance Group website and related online services. BYLT Insurance Group is a brand operated by BUILT BY SONS LLC. References to “BYLT Insurance Group,” “BYLT,” “we,” “us,” or “our” in these Terms refer to BUILT BY SONS LLC doing business through the BYLT Insurance Group brand.
By accessing, browsing, submitting information through, or otherwise using this website, you acknowledge that you have read and agree to these Terms of Use and our Privacy Policy.
If you do not agree with these Terms, please do not use this website.
This website provides general information regarding insurance-related products and services and allows individuals and families to request information or assistance regarding available coverage options.
The website may also provide methods to contact insurance professionals, request quotes or coverage information, complete forms, schedule appointments, or submit information requested in connection with an insurance-related inquiry.
Information presented on this website is provided for general informational purposes and should not be considered a guarantee of coverage, eligibility, benefits, premiums, underwriting approval, enrollment, or acceptance by any insurance carrier or program.
Insurance products, benefits, premiums, eligibility requirements, underwriting requirements, enrollment periods, provider networks, limitations, exclusions, and availability may vary by carrier, product, state, and individual circumstances.
Nothing on this website constitutes an insurance contract or modifies the terms of an insurance policy, certificate, evidence of coverage, carrier document, or other governing insurance document.
If information appearing on this website conflicts with an insurance carrier's official documents, policy terms, certificate, evidence of coverage, or other governing documents, the applicable carrier documents control.
Insurance products and services may only be offered, solicited, negotiated, or sold by appropriately licensed individuals and entities and in jurisdictions where such activity is authorized.
Product, carrier, plan, and service availability may differ by state. Accessing this website from a particular state does not necessarily mean that every product, carrier, plan, or service described on the website is available in that state.
Information submitted through a quote, contact, or coverage-request form is used to respond to your inquiry and, where appropriate, assist you with identifying insurance options that may be available based on the information you provide.
A quote, estimate, illustration, or preliminary coverage discussion is not a guarantee that insurance will be issued or that the final premium, benefits, eligibility, or coverage terms will match preliminary information.
Final eligibility, pricing, benefits, effective dates, underwriting decisions, and coverage terms are determined by the applicable insurance carrier and governing policy or plan documents.
When submitting information through this website, you agree to provide information that is accurate and complete to the best of your knowledge.
Inaccurate, incomplete, outdated, or misleading information may affect the accuracy of insurance information, quotes, eligibility determinations, or applications.
You are responsible for reviewing information contained in insurance applications and carrier documents for accuracy before completing or approving a transaction.
In connection with an insurance inquiry, application, enrollment, or servicing request, you may be asked to provide additional information or supporting documentation.
Please submit only information and documents that have been requested or are reasonably necessary for the insurance service you are seeking.
Do not submit passwords, banking credentials, or unrelated sensitive information through general website forms or ordinary email.
Certain forms, applications, enrollment tools, electronic-signature services, or document-submission functions may be provided through third-party platforms. Your use of those services may also be subject to the terms and privacy practices of the applicable third-party provider.
We make reasonable efforts to provide useful and current information. However, insurance products, premiums, benefits, carrier requirements, regulations, enrollment rules, provider networks, eligibility requirements, and other information may change.
We do not warrant that all website content will always be complete, current, error-free, or applicable to every individual's circumstances.
Important insurance and coverage information should be confirmed through the applicable insurance carrier, official plan documents, or other appropriate official sources before relying upon it.
This website may contain links to insurance carriers, government agencies, enrollment platforms, electronic-signature services, document platforms, provider directories, or other third-party websites and services.
Third parties are responsible for their own websites, information, services, terms, privacy policies, and security practices.
The presence of a third-party link does not necessarily constitute an endorsement of all content, products, or services offered by that third party.
You agree not to misuse this website. Prohibited activities include:
Unless otherwise indicated, original website content, design elements, graphics, text, logos, and other materials created for this website are owned by or licensed to BUILT BY SONS LLC, operating as BYLT Insurance Group, and are protected by applicable intellectual property laws.
Insurance carrier names, logos, trademarks, product names, and other third-party materials remain the property of their respective owners.
References to third-party trademarks are for identification or informational purposes and do not transfer ownership of those marks.
When you submit a form, quote request, request for information, or other communication through this website, you authorize us to respond using the contact information you provide, subject to applicable law.
Submission of contact information does not by itself constitute consent to receive marketing communications where separate consent is required by law.
Any specific consent language presented with a form or communication method will also apply to that interaction.
BUILT BY SONS LLC, operating as BYLT Insurance Group, may offer text messaging as a method of communicating with individuals who voluntarily provide a mobile telephone number and separately consent to receive SMS messages.
Age Requirement: You must be at least 18 years of age to opt in to or participate in our SMS and text messaging program.
If you opt in to receive informational or customer-care text messages, we may send messages related to your inquiry, quote request, application, enrollment, requested documents, appointment coordination, customer service, coverage-related matters, or other service-related communications.
If you separately opt in to receive marketing or promotional text messages, we may send insurance-related product information, service announcements, promotions, educational information, or other promotional communications covered by your consent.
SMS Consent: Consent to receive text messages is optional and is not required as a condition of purchasing any product or service or submitting a request through this website.
Informational/customer-care SMS consent and marketing/promotional SMS consent may be presented separately. Selecting one type of consent does not require you to select the other.
Message frequency varies. Message and data rates may apply. If you have questions regarding your text or data plan, contact your wireless service provider.
You may cancel SMS messaging at any time by replying STOP to a text message from us. We may send a confirmation message confirming that you have been unsubscribed. You may subsequently opt in again through an available consent method.
Reply HELP for assistance or contact BYLT Insurance Group using the contact information provided below.
Wireless carriers are not liable for delayed or undelivered messages.
Our collection, use, and protection of mobile information and SMS consent information is also governed by our Privacy Policy.
Your use of this website is also subject to our Privacy Policy, which describes how information may be collected, used, disclosed, and protected.
Please review our Privacy Policy for additional information.
Information provided on this website is not intended to constitute legal, tax, accounting, investment, or other professional advice.
Visitors should consult an appropriate professional regarding questions requiring legal, tax, accounting, investment, or other specialized advice.
To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.
We do not guarantee that the website will be uninterrupted, error-free, completely secure, or free from technical issues, or that all information will remain current at all times.
Nothing in these Terms excludes any warranty, right, or protection that cannot lawfully be excluded.
To the extent permitted by applicable law, BUILT BY SONS LLC, operating as BYLT Insurance Group, and its authorized representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising solely from access to or use of this website.
Nothing in these Terms is intended to limit liability where such limitation is prohibited by applicable law or to alter obligations arising under an applicable insurance policy or other binding agreement.
We may modify website content, features, services, resources, or these Terms of Use from time to time.
When these Terms are materially updated, the revised version will be posted on this page with an updated effective date. Your continued use of the website after an update is subject to the then-current Terms of Use.
Except where applicable law requires otherwise, these Terms of Use are governed by the laws applicable to BUILT BY SONS LLC's principal place of business, without regard to conflict-of-law principles.
Insurance activities remain subject to the laws and regulations of the jurisdictions in which those activities occur.
If you have questions about these Terms of Use, please contact: