Heritage Insures — Terms & Conditions

Heritage Insures provides insurance and financial-services-related information and services through a network of licensed insurance professionals and financial-services representatives.

Information presented through this website is intended to provide general information about products and services and does not necessarily constitute an offer, solicitation, or recommendation to purchase any particular insurance or financial product.

You agree to use the Heritage Insures website only for lawful purposes.

You may not:

• Use the website for fraudulent or unlawful purposes.
• Attempt to gain unauthorized access to our systems.
• Interfere with the operation or security of the website.
• Upload viruses, malicious code, or harmful materials.
• Submit false, misleading, or fraudulent information.
• Use information obtained from the website for unauthorized commercial purposes.
• Attempt to copy, reproduce, modify, or exploit website content without permission.

Information provided on this website regarding insurance products is for general informational purposes only.

Insurance products, coverage, premiums, benefits, eligibility requirements, exclusions, limitations, underwriting requirements, and availability may vary by:

• State
• Insurance carrier
• Product
• Individual circumstances
• Underwriting determination
• Applicable laws and regulations

Information displayed on the website should not be considered a guarantee that you will qualify for a particular insurance product or receive a particular premium, benefit, or coverage amount.

If you submit information requesting an insurance quote, the information you provide may be used to evaluate your request and may be shared with applicable insurance carriers or product providers.

A quote is not a guarantee of coverage.

Actual premiums, benefits, coverage, eligibility, and policy terms are determined by the applicable insurance carrier and may differ from any preliminary information provided through the website.

Coverage is not effective until an application has been approved, the applicable requirements have been satisfied, and the insurance carrier has issued or otherwise confirmed coverage in accordance with its procedures.

Submitting an application through the website does not guarantee that an insurance policy will be issued.

Applications may be subject to underwriting, verification, eligibility requirements, medical or financial information, state regulations, and carrier-specific requirements.

The applicable insurance carrier makes the final determination regarding whether coverage is issued and under what terms.

Insurance products and services may be provided through appropriately licensed insurance professionals.

Licensing requirements and product availability may vary by state.

Nothing on this website should be interpreted as creating an insurance-agent relationship solely through your use of the website.

Heritage Insures may provide information regarding financial products and services, including products such as mutual funds, annuities, and other financial solutions.

Information provided through the website is for general informational and educational purposes and should not be considered individualized financial, investment, tax, or legal advice.

Before purchasing or investing in any financial product, you should review the applicable product documentation and consult an appropriately qualified professional regarding your individual circumstances.

Heritage Insures does not guarantee that the use of any particular insurance or financial product will result in a specific financial outcome, level of protection, return, savings amount, or other result.

Past performance, where referenced, is not necessarily indicative of future results.

We make reasonable efforts to provide accurate and current information on our website. However, information may occasionally contain errors, omissions, or outdated information.

Heritage Insures reserves the right to modify, update, or remove website content at any time without prior notice.

When submitting information through our website, you agree to provide information that is accurate and complete to the best of your knowledge.

You are responsible for reviewing information before submitting it.

Submitting a form does not necessarily establish a client relationship, insurance coverage, financial account, or other contractual relationship with Heritage Insures.

By submitting your contact information, you may be contacted by Heritage Insures or an authorized representative regarding your inquiry, appointment, insurance request, financial-services inquiry, or other requested information.

Communications may occur by:

• Telephone
• Email
• Text message
• Other electronic communication methods

If you consent to receive text messages, message and data rates may apply.

You may opt out of certain communications by following the instructions provided in the applicable communication.

If the website provides online appointment scheduling, appointment times are subject to availability.

Submitting a scheduling request does not guarantee that an appointment will occur until the appointment has been confirmed.

Heritage Insures reserves the right to reschedule or cancel appointments when necessary.

Certain Services may allow you to make payments or complete transactions online.

Payments may be processed by third-party payment processors.

You agree to provide accurate payment and billing information and authorize applicable charges associated with transactions you initiate.

Additional terms may apply to particular products or transactions.

The Heritage Insures website may use or link to third-party services, including:

• Insurance carriers
• Financial-services providers
• Payment processors
• Scheduling platforms
• CRM systems
• Analytics services
• Social media platforms
• Mobile application providers
• Communication providers

Heritage Insures is not responsible for the content, availability, security, or privacy practices of third-party websites or services.

Your use of third-party services may be subject to their own terms and conditions and privacy policies.

All content on the Heritage Insures website, including but not limited to:

• Logos
• Trademarks
• Graphics
• Photographs
• Videos
• Text
• Designs
• Website layouts
• Marketing materials

is owned by Heritage Insures or used with permission and may be protected by applicable intellectual-property laws.

You may not reproduce, modify, distribute, publish, sell, or commercially exploit our content without prior written permission.

If Heritage Insures provides a mobile application, your use of the application may be subject to these Terms and any additional terms presented within the application.

You agree not to misuse, reverse engineer, interfere with, or attempt to gain unauthorized access to the application or its underlying systems.

Your use of the Heritage Insures website and Services is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

By using the website, you acknowledge that you have reviewed our Privacy Policy.

We take reasonable measures to protect our website and systems. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of any account credentials or other login information associated with your use of our Services.

To the fullest extent permitted by applicable law, the Heritage Insures website and its content are provided on an “as is” and “as available” basis.

Heritage Insures does not guarantee that:

• The website will always be available.
• The website will be error-free.
• Website content will always be current or complete.
• The website will meet every user's particular needs.
• Information provided through the website will result in a particular insurance or financial outcome.

To the fullest extent permitted by applicable law, Heritage Insures and its officers, employees, agents, representatives, affiliates, and service providers will not be liable for damages arising from your use of, or inability to use, the website or Services, except where such limitation is prohibited by applicable law.

To the extent permitted by applicable law, you agree to indemnify and hold harmless Heritage Insures and its officers, employees, agents, representatives, affiliates, and service providers from claims, damages, liabilities, costs, and expenses arising from your misuse of the website, violation of these Terms, or violation of applicable laws or third-party rights.

Heritage Insures may update or modify these Terms & Conditions from time to time.

Updated Terms will be posted on this website with a revised “Last Updated” date.

Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

These Terms shall be governed by and interpreted in accordance with the laws applicable to Heritage Insures and the jurisdiction in which the applicable dispute or transaction is governed, except where applicable federal or state law requires otherwise.

If you have questions regarding these Terms & Conditions, please contact Heritage Insures: