TERMS OF SERVICE (Enero Cooper LLC)
Last Updated: January 28, 2026
Business Name: Enero Cooper LLC (“Enero Cooper,” “we,” “us,” “our”)
Service Area: Georgia and Florida
Contact: Office 678-367-0839 | Text 470-670-0839 | Fax 678-367-4913
Website: www.ejcfig.com
These Terms of Service (“Terms”) govern your use of our website, pages, forms, and any related online services (collectively, the “Site”). By accessing or using the Site, you agree to these Terms.
1) Insurance Disclosure
Enero Cooper LLC provides insurance information, intake, and quote request services. We are not an insurance carrier. Coverage availability, pricing, and eligibility are determined by insurance carriers and their underwriting guidelines.
Important: A quote is not a binder and does not guarantee coverage. Coverage is only in force when confirmed in writing by the carrier (and/or when a policy is issued) and any required payment is accepted.
2) Use of the Site
You agree to use the Site for lawful purposes and not to:
Submit false or misleading information
Interfere with the Site’s operation, security, or availability
Attempt to access areas of the Site you’re not authorized to access
Use the Site to transmit spam, malware, or harmful code
We may suspend or restrict access if we believe misuse, fraud, or abuse is occurring.
3) Quote Requests and Accuracy of Information
When you submit information through our forms, you represent that the information is accurate and complete to the best of your knowledge. Incomplete or inaccurate information may affect quote accuracy, eligibility, pricing, or coverage terms.
4) Communications and Electronic Notices
By providing contact information (email, phone), you agree that we may contact you about your inquiry, quote request, policy servicing, or related updates by email, phone, and/or text message consistent with your consent choices and applicable law.
5) Mobile Messaging Terms (SMS)
If you opt in to receive text messages from us, the following terms apply:
Program Name: Enero Cooper LLC Messaging
Program Description: Text messages may include (depending on what you opted into):
Non-marketing/service texts about quotes, applications, policy updates, appointments, and service notifications
Marketing/promotional texts (only if you separately opt in)
Opt-In: You opt in by providing your phone number and affirmatively selecting the applicable SMS consent checkbox(es) on our forms or by another documented opt-in method.
Opt-Out (STOP): Reply STOP to opt out of SMS messages at any time.
Help (HELP): Reply HELP for help or contact us at 678-367-0839.
Message Frequency: Frequency may vary.
Message & Data Rates: Message & data rates may apply.
No Condition of Purchase: Your consent to receive text messages is not a condition of purchase or receiving services.
Carrier Liability: Wireless carriers are not liable for delayed or undelivered messages.
6) Third-Party Links
The Site may include links to third-party websites (including carrier portals). We are not responsible for third-party content, services, or privacy practices.
7) Intellectual Property
Unless otherwise stated, the Site content (text, logos, graphics, design) is owned by or licensed to Enero Cooper LLC and may not be copied, reproduced, or distributed without our written permission.
8) Disclaimers
THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” We do not guarantee the Site will be uninterrupted, error-free, or free from viruses or harmful components.
Information on the Site is provided for general purposes and intake support; nothing on the Site constitutes legal advice, tax advice, or a guarantee of coverage, rates, or eligibility.
9) Limitation of Liability
To the fullest extent permitted by law, Enero Cooper LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim related to the Site will not exceed $100.
10) Indemnification
You agree to defend, indemnify, and hold harmless Enero Cooper LLC and its affiliates, employees, and agents from any claims, liabilities, damages, and expenses arising from your misuse of the Site or violation of these Terms.
11) Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date reflects the latest revision. Continued use of the Site after changes means you accept the updated Terms.
12) Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.
13) Contact Us
Questions about these Terms?
Enero Cooper LLC
Office: 678-367-0839 | Text: 470-670-0839 | Fax: 678-367-4913