Terms and Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User") and {{location.name}} ("we," "us," or "our"). By accessing this website or submitting an inquiry, you confirm your understanding and acceptance of these Terms. If you disagree with any part of these Terms, you should refrain from using this website or requesting information.

Dispute Resolution Through Arbitration

All disputes between you and us shall be resolved exclusively through binding arbitration. By agreeing to these Terms, you waive your right to initiate lawsuits, join class-action claims, or have your case adjudicated by a judge or jury.

Services We Offer

{{location.name}} connects users with insurance providers who may respond to inquiries. We do not charge users for submitting requests; however, we may receive compensation from third-party providers for successful referrals.

Your submitted information will be shared with insurance providers offering relevant products and services. Please refer to our Privacy Policy, which forms an integral part of these Terms. By submitting your details, you consent to being contacted via phone, email, text message, or mail, even if your contact information is listed on national or state Do Not Call registries.

No Endorsements or Guarantees

We do not endorse, promote, or recommend any particular insurance provider or policy. {{location.name}} is not a licensed insurance provider and does not directly sell insurance products or services. We are not responsible for any products or services acquired from third-party providers through our referral process. Any agreements or transactions you enter into with third-party providers are separate from us.

Submitting information on our website does not guarantee a response from an insurance provider or the acquisition of insurance coverage.

Use of Your Information

By using this website, you agree that your information may be shared with third-party insurance providers. Once shared, your data is subject to their respective privacy policies. If you wish to stop receiving communications from these providers, you must contact them directly.

We do not sell your personal information. It is only used to facilitate the processing of your inquiries in compliance with our Privacy Policy.

Disclaimer of Warranties

This website and the services provided are offered on an "as is" and "as available" basis without any warranties, express or implied. We disclaim all warranties, including but not limited to:

- Merchantability

- Fitness for a particular purpose

- Accuracy or reliability of information

- Non-infringement

We do not guarantee that this website will be error-free, uninterrupted, or free from malicious software.

Limitation of Liability

To the maximum extent permitted by law, {{location.name}} Insurance Agency and its affiliates shall not be liable for any damages arising from:

- Your use of this website or our services

- Information provided by third-party insurance providers

- Any insurance policy or service obtained from a third party

If any part of this limitation is deemed unenforceable, our total liability shall not exceed $100.

Dispute Resolution and Arbitration

Except where prohibited by law, any disputes arising from your use of this website or our services will be resolved through binding arbitration. Arbitration shall be conducted under the rules of the American Arbitration Association (AAA) or another mutually agreed arbitration provider.

Arbitration will take place in {{location.state}}, unless both parties agree to an alternative location or opt for telephonic arbitration for claims under $2,500.

Arbitration under these Terms cannot be consolidated with other cases or class-action claims.

Changes to These Terms

We reserve the right to update these Terms, modify our website, or adjust our services at any time without prior notice. Any updates will be posted on this website, and continued use after modifications indicates acceptance of the revised Terms.

If you disagree with any updates, you must discontinue use of our website and services.

Governing Law

These Terms are governed by the laws of the state of {{location.state}}, excluding conflict-of-law principles. If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall remain in effect.

Entire Agreement

These Terms constitute the entire agreement between you and {{location.name}} regarding the use of this website and our services. Failure to enforce any provision shall not be considered a waiver of rights.

Record Keeping

We recommend that you print or save a copy of these Terms for your records. If you have any questions, please contact us at {{location.email}}.