Welcome to Curse Breakers! We are committed to providing excellent insurance services to clients in Chicago, IL, and beyond. Please take a moment to review the following terms and conditions that outline the business practices, policies, and obligations that apply when engaging with our insurance services:

1. Insurance Coverage:

a. We offer various insurance products, including but not limited to auto insurance, home insurance, health insurance, life insurance, and business insurance.

b. Coverage details, limits, and terms may vary based on the chosen insurance product. Please refer to your specific policy documentation for accurate information.

2. Application and Approval:

a. To initiate an insurance policy with Curse Breakers, you must complete an application accurately and honestly.

b. We reserve the right to accept or reject an application based on our underwriting guidelines and risk assessment.

c. Providing false or misleading information may result in policy cancellation or denial of any claims.

3. Premiums and Payments:

a. Premiums are the amounts paid to obtain insurance coverage. The premium amount is determined based on various factors, including risk assessment and coverage details.

b. You are responsible for paying premiums promptly as outlined in your policy. Failure to make payments may result in policy cancellation or non-coverage.

c. Any changes to your policy coverage or information may affect the premium amount, and you will be notified accordingly.

4. Claims Process and Settlements:

a. In the event of a claim, please notify Curse Breakers promptly and provide all necessary information and documentation regarding the incident.

b. We will assess the claim based on the policy terms and conditions, and any settlement amount will be determined by the coverage, deductibles, and applicable limits.

c. You must cooperate fully with our claims investigation and provide any requested information within a reasonable timeframe.

5. Policy Modifications and Cancellations:

a. You may request modifications to your policy coverage by contacting

Curse Breakers directly. All modifications are subject to approval and may result in premium adjustments.

b. Moon and Associates reserves the right to modify or cancel a policy based on various circumstances, including non-payment, misrepresentation, or violation of policy terms.

c. If you wish to cancel your policy, please notify us in writing. Applicable refund or cancellation fees may apply.

6. Confidentiality and Privacy:

a. We understand the importance of protecting your personal information and comply with all applicable privacy laws and regulations.

b. Curse Breakers will use your information solely for the purpose of providing insurance services and will not share it with unauthorized parties, except as required by law or with your consent. Please note that this is just a general overview of our terms and conditions. For a complete understanding of your specific policy terms, it is essential to refer to your insurance policy, endorsements, and related documents. Should you have any questions or require clarification, please feel free to contact our customer service at [email protected]