1. Nature of Services
Affordable Insurance operates as an independent insurance brokerage/agency. We do not issue insurance policies directly. Our role is to provide information, facilitate quotes, and connect you with third-party insurance carriers. All coverage is subject to the specific terms and conditions of the insurance policy issued by the respective carrier.
2. Eligibility
By using this website, you represent and warrant that you are at least 18 years of age. Our services are intended for residents of the United States, specifically governed by the laws of the State of Texas.
3. Accuracy of Information & Quotes
User Responsibility: You agree to provide accurate, current, and complete information when filling out contact forms or booking consultations.
Estimates Only: Any quotes or figures provided via our future insurance calculators or during preliminary discussions are non-binding estimates. Final premiums and coverage eligibility are determined solely by the insurance underwriting company.
No Binding Authority: Submitting a contact form or booking a call does not constitute a binder of insurance. Coverage is not in effect until you receive written confirmation from the insurance carrier or a licensed agent.
4. Scheduling and Communications
We utilize third-party tools (such as Calendly) to facilitate consultations. By providing your contact information, you consent to receive communications from us regarding your inquiry. You may opt out of marketing communications at any time, though we may still contact you regarding active policy inquiries or scheduled appointments.
5. Intellectual Property
The content, layout, logos, and trademarks displayed on this website including our brand name “Affordable Insurance” are the property of Affordable Insurance. You may not reproduce, distribute, or use any site content for commercial purposes without our express written consent.
6. Limitation of Liability
To the fullest extent permitted by Texas law, Affordable Insurance, its officers, and employees shall not be liable for any indirect, incidental, or consequential damages arising out of your use of this website. We do not guarantee that the website will be error-free or uninterrupted.
7. Third-Party Links
Our website may contain links to insurance carriers, payment portals, or social media. We do not control and are not responsible for the privacy practices or content of these third-party websites.
8. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes shall be resolved in the courts located in Harris County, Houston, TX.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised “Effective Date.”
10. Contact Information
For any questions regarding these Terms, please contact us at:
Email: affordableins529@sbcglobal.net
Address: 13202 FM 529 Rd, Houston, TX 77041
