Terms & Conditions
Please read these Terms and Conditions ("Terms") carefully before using the website and services of Terrell Starr Insurance Agency, Inc. ("Company," "we," "us," or "our"). By accessing our website or engaging our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
1. Acceptance of Terms
Your access to and use of our website located at any URL operated by Terrell Starr Insurance Agency, Inc., and your engagement with our insurance agency services, constitutes your agreement to these Terms and Conditions. These Terms apply to all visitors, quote requestors, clients, and other individuals who access our website or use our services.
2. Description of Services
Terrell Starr Insurance Agency, Inc. is a licensed insurance agency operating in the State of Georgia (NAICS 524210). We provide insurance agency and brokerage services, including but not limited to: insurance consultation, quote procurement, policy placement, policy servicing, and claims assistance. We act as an independent agent and work with multiple insurance carriers to identify coverage solutions for our clients.
Our services are provided to individuals, families, and businesses seeking personal and commercial insurance coverage. All services are subject to applicable Georgia insurance laws and regulations.
3. Website Use and Prohibited Activities
3.1 Permitted Use
You may use our website for lawful purposes related to inquiring about, requesting, or obtaining insurance agency services. You may access information about our services, submit quote requests, and contact our team through the channels provided.
3.2 Prohibited Activities
You agree not to:
- Submit false, misleading, or fraudulent information in any quote request, contact form, or application
- Attempt to gain unauthorized access to any portion of our website or systems
- Use automated tools, bots, scrapers, or crawlers to extract data from our website without written permission
- Interfere with or disrupt the operation of our website or servers
- Transmit any malicious code, viruses, or harmful software through our website
- Use our website in any manner that violates applicable local, state, federal, or international laws
- Impersonate any person or entity or misrepresent your affiliation with any person or entity
- Collect or harvest personal information about other users without their consent
- Use our website to send unsolicited commercial communications
4. Insurance Quote Disclaimers
All insurance quotes, estimates, and premium indications provided through our website, by telephone, or by email are preliminary in nature and subject to verification, underwriting review, and final approval by the applicable insurance carrier. A quote does not constitute a binding offer of coverage or a guarantee that coverage will be issued at the quoted rate.
Final premium amounts are determined by insurance carriers based on their underwriting criteria, which may include factors such as credit-based insurance scores, claims history, property inspections, and other risk-based assessments. We make no representations or warranties regarding the accuracy of preliminary quote estimates.
5. No Guarantee of Coverage
Terrell Starr Insurance Agency, Inc. does not guarantee that insurance coverage will be issued, renewed, or maintained. The issuance of insurance coverage is subject to the underwriting decisions of insurance carriers, which are independent entities. We are not responsible for a carrier's decision to decline, cancel, or non-renew coverage.
6. Third-Party Carrier Relationships
We work with multiple independent insurance carriers. These carriers are separate legal entities with their own terms, conditions, policies, and underwriting standards. Your insurance policy is a contract between you and the carrier — not with Terrell Starr Insurance Agency, Inc. We are not a party to your insurance policy and are not responsible for carrier decisions, coverage disputes, or claims outcomes.
7. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Terrell Starr Insurance Agency, Inc. or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.
8. Electronic Communications Consent
By submitting a quote request or contact form, or by providing your email address or telephone number, you consent to receive electronic communications from Terrell Starr Insurance Agency, Inc. These communications may include quote information, policy documents, renewal notices, service updates, and other insurance-related correspondence. You may withdraw this consent at any time by contacting us at president@terrellstarrinsuranceagency.com.
9. SMS and Text Message Communications
By providing your mobile telephone number and consenting to SMS communications, you agree to receive text messages from Terrell Starr Insurance Agency, Inc. related to your insurance inquiry or existing policies. Message and data rates may apply. You may opt out of SMS communications at any time by replying STOP to any text message or by contacting us directly.
10. Accuracy of Information
You are responsible for ensuring that all information you provide to us is accurate, complete, and truthful. Providing false or misleading information in connection with an insurance application may constitute insurance fraud and may result in policy cancellation, claim denial, or referral to law enforcement authorities.
11. Service Availability
We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice. We do not guarantee that our website will be available at all times or that it will be free from errors or interruptions. We shall not be liable for any interruption in service.
12. Disclaimer of Warranties
OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
13. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TERRELL STARR INSURANCE AGENCY, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OUR WEBSITE EXCEED THE AMOUNT PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
14. Indemnification
You agree to indemnify, defend, and hold harmless Terrell Starr Insurance Agency, Inc. and its officers, directors, employees, agents, and successors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising out of or related to: (a) your use of our website or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you provide to us that is false, inaccurate, or misleading.
15. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of our website shall be subject to the exclusive jurisdiction of the state and federal courts located in Clayton County, Georgia.
16. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website with an updated effective date. Your continued use of our website following the posting of revised Terms constitutes your acceptance of the changes.
17. External Links
Our website may contain links to third-party websites. These links are provided for informational purposes only. We do not endorse and are not responsible for the content, privacy practices, or terms of any linked third-party website.
18. Entire Agreement
These Terms, together with our Privacy Policy and any other agreements incorporated by reference, constitute the entire agreement between you and Terrell Starr Insurance Agency, Inc. regarding your use of our website and services and supersede all prior agreements and understandings.
19. Contact Information
For questions regarding these Terms and Conditions, please contact us at:
- Terrell Starr Insurance Agency, Inc.
- 1671 Forest Parkway, Forest Park, GA 30297, United States
- Email: president@terrellstarrinsuranceagency.com
- Phone: 470-776-4817