Terms & Conditions

1. Scope of Services

The Smith Firm & Agency provides multi-line insurance services, legal service support, financial literacy education, and consulting. Services may include:

Insurance quoting, applications, and policy servicing

Legal service coordination and document support

Agent onboarding, training, and compliance guidance

Customer support and account management

SMS and email communication related to your account or inquiries

We reserve the right to modify, expand, or discontinue services at any time.

2. Eligibility

To use our services, you must:

Be at least 18 years old

Provide accurate and truthful information

Have the legal authority to enter into agreements

We may refuse service if information is incomplete, inaccurate, or violates compliance standards.

3. Consent to Communication

By providing your phone number, email, or other contact information, you consent to receive communications from The Smith Firm & Agency, including:

SMS/text messages

Phone calls (manual or agent-assisted)

Emails

Automated reminders or service notifications

Message and data rates may apply.  

You may opt out of SMS at any time by replying STOP.

4. SMS Terms

When opting in to SMS communication, you agree to the following:

Messages may include quotes, updates, reminders, billing notices, document requests, or agent onboarding information.

Frequency varies based on your activity and service needs.

You may opt out at any time by replying STOP.

You may request help by replying HELP.

We do not request sensitive information (SSN, banking details, credit card numbers) via SMS.

We do not sell, share, or distribute your SMS information to third parties for marketing or unrelated purposes.

For full details, refer to our SMS Privacy Policy.

5. Data Privacy & Security

We collect and store information necessary to provide insurance and legal service support. This may include:

Contact information

Application details

Policy information

Communication history

We maintain administrative, technical, and physical safeguards to protect your data.

We do not sell or share your personal information with unaffiliated third parties for marketing.

6. Accuracy of Information

You agree to provide accurate, complete, and updated information. The Agency is not responsible for delays, denials, or errors caused by incorrect or incomplete information provided by you.

7. No Guarantee of Coverage or Outcomes

Quotes, recommendations, or preliminary assessments do not guarantee:

Policy approval

Specific rates

Coverage issuance

Legal outcomes

Final decisions are made by insurance carriers, legal partners, or applicable authorities.

8. Third-Party Services

Some services may involve third-party carriers, legal partners, or technology platforms. We are not responsible for:

Their policies

Their decisions

Their system availability

Their data practices

Your use of third-party services is subject to their terms.

9. Intellectual Property

All content, branding, materials, and communications from The Smith Firm & Agency are protected by intellectual property laws. You may not copy, reproduce, or distribute our materials without written permission.

10. Limitation of Liability

To the fullest extent permitted by law:

The Agency is not liable for indirect, incidental, or consequential damages.

We are not responsible for delays or service interruptions outside our control.

Our total liability is limited to the amount paid for services directly provided by the Agency.

11. Termination of Services

We may suspend or terminate services if:

You violate these Terms

Fraud or misuse is suspected

Required information is not provided

Compliance standards require termination

You may discontinue services at any time by notifying us.