Terms of Service

Welcome to Strategic Insurance Advisors. By accessing or using our website, products, and services, you agree to abide by these Terms of Service (“Terms”), our Privacy Policy, and any other legal notices or guidelines posted on our website or provided in connection with our services. Please read these Terms carefully.

1. Acceptance of Terms

By accessing our website, purchasing our products or services, or engaging in any form of business with us, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must refrain from using our website and services.

2. Description of Services

Strategic Insurance Advisors is an independent insurance brokerage that offers consulting, risk assessment, policy placement, and other related services to help businesses manage their insurance needs.

3. Eligibility

To engage with our services, you must:

  • Be at least 18 years of age or the legal age of majority in your jurisdiction.
  • Have the legal capacity and authority to enter into binding contracts.

4. Payments and Refunds

  • Payments: We accept payment via credit card, ACH, or other approved payment methods. Payments are due as specified in your invoice or agreement.
  • Refunds: Please refer to our Return Policy for specific information regarding cancellations and refunds. Refunds may be subject to conditions, including but not limited to administrative fees or non-refundable carrier costs.
  • Disputes: For any billing disputes, contact us within 30 days of the transaction.

5. Changes to Services and Pricing

We reserve the right to modify or discontinue any service at any time, with or without notice. Pricing for our services may be adjusted periodically; however, such changes will not affect any active, paid agreements.

6. Intellectual Property

  • All materials, including but not limited to text, images, logos, and design elements on our website, are the intellectual property of Strategic Insurance Advisors.
  • You may not reproduce, modify, distribute, or exploit our intellectual property without written permission.

7. Client Responsibilities

  • Accuracy of Information: You agree to provide accurate and up-to-date information to allow us to fulfil our services.
  • Review of Policy Terms: You are responsible for reviewing and understanding the terms of any insurance policy placed on your behalf. Our advisors can assist with questions, but the decision to bind coverage is ultimately yours.

8. Limitations of Liability

  • General Liability: Strategic Insurance Advisors is not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.
  • Insurance Coverage: We provide guidance and placement of policies with carriers, but we do not underwrite, guarantee, or assume any liability for the performance of insurance products. All coverage terms are governed by the respective insurance carrier.
  • Errors and Omissions: We exercise due care in our recommendations; however, Strategic Insurance Advisors is not responsible for errors or omissions in coverage decisions unless gross negligence can be established.

9. Disclaimer of Warranties

Our website and services are provided “as-is” without warranties of any kind. We do not guarantee that our website or services will be uninterrupted or error-free or that all information provided is complete and accurate.

10. Privacy Policy

Our Privacy Policy governs the collection and use of your personal information. By using our services, you consent to the collection and use of your information as outlined in our Privacy Policy.

11. Indemnification

You agree to indemnify, defend, and hold harmless Strategic Insurance Advisors, its employees, directors, agents, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your breach of these Terms or misuse of our services.

12. Dispute Resolution

  • Governing Law: These Terms are governed by the laws of the state of [Your State], without regard to conflict of law principles.
  • Arbitration: Any disputes arising under these Terms shall be resolved through binding arbitration in [Your State] under the rules of the American Arbitration Association.
  • Jurisdiction: If arbitration is found unenforceable, any legal action shall be filed in the courts of [Your County], [Your State].

13. Modifications to Terms

Strategic Insurance Advisors may update these Terms at any time. The most recent version will be posted on our website, and continued use of our services constitutes acceptance of any modifications.

14. Termination

We reserve the right to terminate your access to our website and services for violation of these Terms or any applicable laws, without notice or liability.

15. Contact Information

If you have questions about these Terms, please contact us at:

  • Email: info@strategicinsadvisors.com
  • Phone: (866)538-1906
  • Address: Pearland, TX 77584

Acknowledgment
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.