Legal Agreements - Disclaimer, Privacy Statement, Terms & Conditions

 

INTRO: DISCLAIMER

Welcome to our website. This document contains both our Privacy Policy and our Terms & Conditions. By accessing this website or submitting any digital intake form, you explicitly agree to be bound by all terms, conditions, and disclosures outlined below.

1. NO ELECTRONIC BINDING OF INSURANCE COVERAGE
NOTICE: Insurance coverage of any kind cannot be bound, altered, modified, or canceled by submitting an online form, email, voicemail, or fax. No insurance coverage is effective until explicitly approved, confirmed, and bound by a licensed insurance agent with the carrier's direct authorization. You must speak directly with a licensed representative to confirm any coverage changes.

2. LIMITATION OF LIABILITY & ACCURACY OF INFORMATION
This website is provided solely for general informational and educational purposes. While the information on this platform is accurate to the best of our knowledge, we make no guarantees, warranties, or representations regarding the accuracy, completeness, or ongoing compliance of any resources, product information, or rating processes accessed through this site. We accept no responsibility or liability for any errors, omissions, or financial losses resulting from your reliance on this data. It is your sole responsibility to verify the accuracy of all information prior to usage.

3. THIRD-PARTY LINKS AND DISCLAIMER
This website includes links to external resources that we think you might find useful. Please note that these links are provided simply for your convenience. Because these are outside sites, their presence on our platform does not mean we officially endorse or recommend all of the views, opinions, or content they publish.

PART 1: PRIVACY POLICY

Purpose of Policy Notice

Our company respects your right to privacy and values you as a customer. Our goal is to treat any personal information you provide with the utmost respect. We have established this Privacy Policy to outline the transparent measures we take to secure and protect your digital data. We adhere strictly to the following principles for gathering, storing, and sharing consumer information

1. Information We Collect
We collect top-of-funnel, non-sensitive personal information strictly necessary to facilitate an insurance quote request. This includes:

• Contact Data: Name, physical address, email address, and phone number.
• Risk/Property Data: Property address, general zip code, property type, or commercial industry details.
• Explicit Data Exclusions: Our online forms do not collect Social Security numbers, driver’s licenses, vehicle identification numbers (VINs), medical histories, or bank account credentials.

2. How We Secure and Store Data

All data is captured securely via 256-bit Secure Sockets Layer (SSL) encryption protocols using our data intake vendor, Jotform. This encryption standard keeps all information confidential as it passes between our website and your device.

• Storage Environment: Data is housed across secure, heavily encrypted cloud-hosting environments.
• Data Privacy Boundaries: We do not engage in behavioral tracking, consumer data profiling, or targeted ad-retargeting campaigns.

3. Permitted Third-Party Disclosures
We share your submitted details (including names, phone numbers, and emails) strictly with licensed insurance carriers and their authorized underwriters, brokers, and partners to compile your requested insurance quotes, facilitate future renewals, and provide ongoing insurance marketing communications.

• Anti-Spam Guarantee: We do not sell, rent, or lease consumer data to unaffiliated, random third-party marketing list companies.
• Legal and Risk Exceptions: We exchange customer information with non-affiliated entities only to the extent required or permitted by law for underwriting, administrative, or risk management purposes, consumer verification, and to detect or prevent fraud.
• Partner Obligations: All third-party business partners receiving this data are contractually bound to maintain strict data security and compliance standards in accordance with applicable privacy laws.

4. Business Transitions & Asset Sales
In the event that our parent S-corporations undergo a corporate transition—such as a merger, corporate restructuring, acquisition by another company, or asset sale of all or a portion of our insurance book and digital lead platforms—consumer contact databases, matching contact consents, and submission histories will be legally assigned and securely transferred to the acquiring entity as an active business asset.

• Asset Allocation: Your personally identifiable information (PII) will likely be among the business assets transferred.
• Technology Disclosure: By providing a phone number, the user understands that data may be processed using automated system technologies.
• Revocation of Consent: A user can revoke communication consent at any time by any reasonable means (e.g., by replying 'STOP' to SMS or by contacting us directly via phone or email).

5. Automated Visitor Data & Tracking
When you visit and browse our website, our web servers automatically collect and store specific traffic data. Gathering this data is standard industry practice to evaluate how visitors interact with our platform.

Server Log Information
Our servers automatically record the following details from your visit:

• The domain name and host you use to access the Internet.
• The Internet Protocol (IP) address of your device.
• Your browser software type, configurations, and operating system.
• The exact date and time you access our platforms.
• The internet address of the website from which you linked directly to our site.

Performance Metrics
We collect aggregate information on public areas of our website, alongside individual log data on password-protected customer portals. This includes tracking:

• The total volume of website visitors.
• Specific pages visited, features utilized, and total session duration.
• The traffic source or website visited prior to reaching our platform.

Use of Cookies
A cookie is a small digital file required to establish and maintain a secure online session.

• Session Management: Cookies allow you to securely request information and conduct business online.
• Analytics Integration: First-party cookies or third-party tracking utilities may be deployed to measure site statistics, including page views and unique traffic patterns.
• Privacy Boundary: Cookies cannot access data on your local hard drive, read your personal files, or extract your email address without your authorization.

Email Communications

We retain copies of inbound emails, outbound replies, and your associated email address to process your inquiries and manage your file.

• Marketing Opt-In: If you opt in to receive updates, your email address is retained to deliver content aligned with your indicated interests.
• Security Notice: Please exercise caution regarding sensitive personal details sent via standard email, as unencrypted web communications may not be entirely secure.

6. Social Media & User-Generated Content

By posting any comments, reviews, posts, or other material on our official social media accounts or affiliated digital platforms, you grant us an irrevocable, perpetual, royalty-free right to reproduce, distribute, publish, display, edit, modify, create derivative works from, and otherwise use your submission for any business purpose in any media format.

Furthermore, you agree that you will not post any material that:

• Infringes on the intellectual property, privacy, or publicity rights of any third party.
• Is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined in our sole discretion.
• Contains unauthorized advertisements, commercial solicitations, chain letters, or pyramid schemes.
• Impersonates another individual or allows a third party to use your digital identification.
• Constitutes repetitive posting, flooding, or digital "spam."

We reserve the right (but assume no obligation) to monitor, edit, or permanently delete any user-generated communications, and we may instantly terminate a user’s access to our social media networks upon any breach of these standards.

7. External Links and Third-Party Practices
Third-Party Platforms and Liability Disclaimer - This website contains links to external platforms operated by independent entities. Your use of these links is governed by the following terms:

• No Control or Responsibility: We do not control, monitor, or endorse the content, privacy policies, security protocols, or data collection practices of any third-party sites.
• Unannounced Content Changes: External content may change without our knowledge or consent. We assume zero liability should a linked site alter its contents or become malicious.
• Immediate Shift in Terms: Upon exiting this website via an external link, you immediately become subject to the terms of service and privacy regulations of that outside provider.
• User Assumption of Risk: Users proceed entirely at their own risk. We strictly advise you to review the privacy policies of every website you visit.
• Browser Extensions & Tools: These terms and limitations of liability apply equally to any third-party tools, browser extensions, or software plugins utilized by the visitor.

8. Consumer Inquiries & Data Access Rights

We value our customers and want you to fully understand how your data is collected, utilized, and managed. If you have any questions regarding this Privacy Policy, our data protection practices, or wish to request access to the personal information under our direct control, please contact us using the information below.

To protect customer privacy and ensure we only disclose data to verified individuals, any formal request to access, review, or retrieve your personal information must fulfill the following security requirements:

• Written Request: You must submit a written, signed request specifying the exact contact details (name, phone number, and email address) used during your initial online form submission.
• Notarization Shield: To prevent identity theft and unauthorized data exposure, your written request must be signed in the presence of a licensed Notary Public and bear an official notary seal.
• Administrative Fees: We do not currently charge a fee to process or provide you with a physical or digital copy of your retrieved data. However, we reserve the right to assess a reasonable administrative fee for this service in the future.
• Data Corrections: You have the right to request that we correct any inaccurate personal information maintained in our active files. Please note that we do not control or maintain databases managed by independent third-party carriers or brokers; to correct information held by third parties, you must contact those entities directly.
• Consumer Reporting Agencies: In certain instances, independent carriers or underwriting systems may pull a consumer credit or insurance risk report to calculate your quotes. Upon written request, we will provide you with the name and address of the specific credit-reporting agency utilized, allowing you to request a copy of your consumer file directly from them.

Submit All Inquiries To:

 

9. Updates to this Policy
We reserve the right to update or modify this Privacy Policy and its embedded disclosures at any time without prior notice. Any changes will become effective immediately upon posting. We encourage you to review this policy periodically to stay informed about how we protect your information.

PART 2: TERMS & CONDITIONS

1. No Binding Quote or Coverage Guarantee
Notice: Submitting a digital intake form through this website does not bind, alter, issue, or guarantee an active insurance policy.
All coverage requests are subject to strict carrier underwriting guidelines and formal approval. No insurance coverage is implied, active, or effective until you receive an official, written binder directly from an authorized licensed insurance producer.

2. Intellectual Property & Anti-Scraping Shield
All website architecture, landing page layouts, graphic elements, text copy, coding sequences, and proprietary backend data-routing scripts are the sole intellectual property of our S-corporations. Automated web scraping, data harvesting, data mining, or any attempt to reverse-engineer our lead generation platform is strictly prohibited and will be prosecuted to the fullest extent of the law.

3. Limitation of Liability & Warranty Disclaimers
This platform and its associated forms are provided strictly on an "as-is" and "as-available" basis. We disclaim all warranties of any kind, whether express or implied. In no event shall our parent entities, S-corporations, or stakeholders be held liable for any financial loss or damage—including, without limitation, indirect, incidental, or consequential damages, lost profits, or data loss—arising out of or in connection with the use of this website. This includes transmission delays, server downtime, or browser compatibility glitches. While every effort is made to maintain a seamless user experience, we assume no liability for the platform being temporarily unavailable due to technical issues beyond our operational control.

4. Permitted Communication Consent & Scope
By completing our online intake questionnaire, you explicitly consent to the collection and sharing of your information to facilitate custom Property & Casualty (P&C) carrier quotes.

If you voluntarily opt into our marketing communications via our designated, un-checked checkbox field, you grant us and our authorized third-party carriers prior express written consent to deliver insurance marketing messages, policy update notifications, renewal reminders, and cross-selling communications via phone calls, text messages (robotexts), pre-recorded voice messages, artificial voices, and automated telephone dialing systems (ATDS) to the contact details provided. You understand that this consent is entirely optional, is not a mandatory condition of purchase, and can be fully revoked or unsubscribed from at any time by any reasonable means (such as replying "STOP" to an SMS text).

5. Class Action Waiver & Governing Law
You explicitly agree that any legal controversy, claim, or dispute arising out of your use of this platform, its forms, or our communication practices must be resolved exclusively through individual, binding arbitration, and you hereby waive your right to participate as a plaintiff or class member in any class-action lawsuit or class-wide arbitration. This agreement and all platform interactions shall be governed strictly by the laws of our home state of Tennessee, without regard to conflict of law principles.

Last revised: August 9, 2026