Acceptance of Terms
By accessing and using the TrueGuard Insurance LLC website and services, you accept and agree to be bound by these Terms and Conditions and our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services.
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new terms.
Insurance Services
Agency Relationship
TrueGuard Insurance LLC acts as an independent insurance agency. We represent multiple insurance carriers and work on behalf of our clients to find suitable insurance coverage. We are not employees or exclusive agents of any single insurance company.
No Guarantee of Coverage
While we strive to find appropriate insurance coverage for all clients, we cannot guarantee that coverage will be available or affordable for every situation. Insurance carriers have their own underwriting guidelines and may decline coverage or offer different terms than quoted.
Quotes and Estimates
All quotes provided through our website or by our agents are estimates only and are subject to change based on underwriting review, verification of information, and insurance carrier approval. A quote does not constitute a binding offer or guarantee of coverage.
SMS / Text Messaging Terms
By opting in to receive SMS messages from TrueGuard Insurance, you agree to receive recurring automated marketing and informational text messages at the phone number provided. Consent is not a condition of purchase.
Message frequency varies. Message and data rates may apply. Reply STOP to cancel at any time. Reply HELP for assistance.
User Responsibilities
Accurate Information
You agree to provide accurate, current, and complete information when:
- Requesting insurance quotes
- Applying for insurance coverage
- Filing claims
- Communicating with our agency
- Creating an account or profile
Providing false or misleading information may result in denial of coverage, cancellation of policies, or denial of claims. It may also constitute insurance fraud, which is a criminal offense.
Account Security
If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
Prohibited Uses
You agree not to use our website or services to:
- Violate any laws or regulations
- Infringe on intellectual property rights
- Transmit harmful code or malware
- Engage in fraudulent activities
- Harass or harm others
- Collect information about other users
- Interfere with website operations
Intellectual Property
All content on the TrueGuard Insurance website, including text, graphics, logos, images, videos, and software, is the property of TrueGuard Insurance or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content from our website without our express written permission.
Third-Party Links and Services
Our website may contain links to third-party websites or services that are not owned or controlled by TrueGuard Insurance. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that TrueGuard Insurance shall not be responsible or liable for any damage or loss caused by or in connection with your use of any third-party content, goods, or services.
Disclaimers and Limitations of Liability
Website Disclaimer
Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
Information Accuracy
While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or reliability of any information on our website. Insurance coverage details, pricing, and availability are subject to change.
Limitation of Liability
To the fullest extent permitted by law, TrueGuard Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our services
- Any unauthorized access to or use of our servers
- Any interruption or cessation of transmission to or from our services
- Any bugs, viruses, or other harmful code
- Any errors or omissions in content
- Any loss or damage resulting from third-party services or insurance carriers
Indemnification
You agree to indemnify, defend, and hold harmless TrueGuard Insurance, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:
- Your access to or use of our services
- Your violation of these Terms and Conditions
- Your violation of any rights of another party
- Any false or misleading information you provide
Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court to prevent infringement of intellectual property rights.
Termination
We reserve the right to terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason, including if you breach these Terms and Conditions.
Upon termination, your right to use our services will immediately cease. All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these terms will otherwise remain in full force and effect.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and TrueGuard Insurance regarding your use of our website and services, and supersede all prior agreements and understandings.
Contact Information
If you have any questions about these Terms and Conditions, please contact us:
