These Terms govern your use of hiainsure.com and your communications with Hancy's Insurance Agency ("HIA"). By using the site or submitting a request, you agree to these Terms and our Privacy Policy.
Insurance Services
HIA is an independent insurance agency. Website content is general information, not legal, tax, financial, or coverage advice. A quote request is not an application approval, offer, binder, or policy. Coverage is not effective until confirmed in writing by HIA or the applicable insurer and all required conditions and payments are satisfied.
Your Responsibilities
You agree to provide accurate, complete, and current information; use the site lawfully; and promptly correct material changes. Rates, eligibility, availability, discounts, and policy terms depend on state, carrier, underwriting, limits, deductibles, and individual facts. HIA does not guarantee that any carrier will quote, bind, or offer a particular price or coverage.
Electronic Communications and SMS Terms
You may receive service emails or calls relating to a request you initiate. Text messaging requires a separate optional consent where shown. If you opt in, messages may include quote follow-up, policy service, reminders, and related insurance information and may be sent using Twilio or automated technology. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help. Carriers are not liable for delayed or undelivered messages. Your mobile opt-in consent is not sold or transferred to unaffiliated third parties for their own marketing.
Acceptable Use
You may not misuse the site, submit false or unauthorized requests, attempt to access restricted systems, upload harmful code, interfere with service, scrape content at scale, or violate another person's rights.
Third-Party Services and Intellectual Property
Insurance carriers, payment providers, communications vendors, and linked sites are independent third parties with their own terms. HIA's site content, branding, and original materials are protected by applicable intellectual-property laws.
Disclaimers and Limitation
The site is provided on an "as available" basis to the fullest extent permitted by law. HIA does not warrant uninterrupted or error-free operation. To the fullest extent permitted by law, HIA is not liable for indirect, incidental, special, consequential, or punitive damages arising from site use. Nothing here limits rights or liabilities that cannot legally be limited.
Changes, Governing Law, and Contact
We may update these Terms by posting a revised effective date. Texas law governs these Terms except where another law must apply. Questions may be sent to info@hiainsure.com or (786) 288-6167.