Terms of Service

1. Acceptance of Terms

Welcome to Pontotoc Insurance Agency ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and any related applications (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Description of Service

Pontotoc Insurance Agency is a licensed insurance agency providing insurance products and services, including but not limited to:

• Home insurance
• Auto insurance
• Life insurance
• Health insurance
• Medicare insurance
• Retirement planning services
• Insurance quotes and consultations
• Claims assistance

We act as an independent insurance agency and are not affiliated with any specific insurance carrier. We work with multiple insurance companies to find the best coverage options for our clients.

3. Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

We reserve the right to refuse service to anyone at our sole discretion.

4. Insurance Products and Services

4.1 Quotes and Applications

All quotes provided are estimates based on the information you provide and are subject to verification by insurance carriers. Final premiums and coverage terms may vary based on underwriting decisions.

4.2 Policy Terms

Insurance policies are governed by the terms and conditions set forth in the actual policy documents issued by the insurance carrier. Our role is to facilitate the application process and provide ongoing service.

4.3 Coverage Limitations

Coverage is subject to the terms, conditions, and exclusions contained in your insurance policy. We do not guarantee coverage for any specific loss or claim.

5. User Responsibilities

You are responsible for:

• Providing accurate and complete information
• Updating your information when it changes
• Paying premiums on time
• Complying with all policy terms and conditions
• Notifying us promptly of any changes that may affect your coverage
• Using our Service in accordance with applicable laws

6. Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

7. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Pontotoc Insurance Agency and its licensors. The Service is protected by copyright, trademark, and other laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our material without our prior written consent.

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

9. Disclaimers and Limitations of Liability

9.1 No Warranty

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Service or the information, content, materials, or products included on the Service.

9.2 Limitation of Liability

In no event shall Pontotoc Insurance Agency, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

9.3 Insurance Disclaimer

We are not responsible for the acts or omissions of insurance carriers, including but not limited to claims handling, coverage decisions, or policy cancellations. Insurance coverage is subject to the terms and conditions of the actual policy issued by the carrier.

10. Indemnification

You agree to defend, indemnify, and hold harmless Pontotoc Insurance Agency and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

11. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service.

12. Governing Law

These Terms shall be interpreted and governed by the laws of the State of Mississippi, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Mississippi.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

15. Entire Agreement

These Terms constitute the sole and entire agreement between you and Pontotoc Insurance Agency with respect to the Service and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: