Terms and Conditions

1. Acceptance of Terms

Welcome to Insurance4Dallas, a DBA (Doing Business As) of The Thornton Insurance Agency, LLC ("we," "our," or "us"). By accessing or using our website at app.insurance4dallas.com (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms apply to app.insurance4dallas.com, a subdomain operated by Insurance4Dallas (a DBA of The Thornton Insurance Agency, LLC), in conjunction with our main website at insurance4dallas.com. References to "Insurance4Dallas" include both domains and all associated services.

2. Description of Service

Insurance4Dallas provides an online platform for insurance quote generation, customer relationship management, and insurance-related services. Our Service allows users to:

• Request personalized insurance quotes
• Compare health, life, and other insurance plans
• Communicate with insurance specialists
• Manage insurance applications and policies

3. SMS and Text Messaging Consent (A2P Compliance)

By submitting your phone number through our Service, you expressly consent to receive SMS text messages from Insurance4Dallas regarding your insurance quote requests, policy updates, and related services.

4. Email Communications

By providing your email address, you consent to receive electronic communications from Insurance4Dallas, including:

• Insurance quotes and policy information
• Account updates and service notifications
• Marketing communications about new insurance products and services
• Educational content about insurance and financial planning

You may unsubscribe from marketing emails at any time by clicking the "Unsubscribe" link in any email or contacting us directly at info@insurance4dallas.com.

5. User Eligibility

You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are at least 18 years of age. Insurance quotes are available for individuals aged 18-64 years.

6. User Responsibilities

When using our Service, you agree to:

• Provide accurate, current, and complete information when requesting quotes
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use the Service only for lawful purposes and in accordance with these Terms
• Not attempt to interfere with or disrupt the Service or servers

7. Insurance Quotes and Accuracy

Insurance quotes provided through our Service are estimates based on the information you provide. Actual premiums, coverage, and policy terms may vary based on:

• Complete underwriting and verification of information
• Medical examinations or health assessments
• Changes in carrier rates or plan availability
• Additional information discovered during the application process

Quotes are not guarantees of coverage or final pricing. All insurance policies are subject to approval by the issuing insurance carrier.

8. Intellectual Property Rights

All content on app.insurance4dallas.com and insurance4dallas.com, including text, graphics, logos, images, software, and other materials, is the property of Insurance4Dallas or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

9. Third-Party Services and Links

Our Service may contain links to third-party websites or services, including insurance carriers and payment processors. Insurance4Dallas is not responsible for the content, privacy practices, or terms of use of third-party websites. Your use of third-party services is at your own risk.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSURANCE4DALLAS 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 the Service
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from the Service
• Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

12. Indemnification

You agree to indemnify, defend, and hold harmless Insurance4Dallas, 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 use of the Service or violation of these Terms.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in Dallas County, Texas, except that either party may seek injunctive relief in any court of competent jurisdiction.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the new Terms on this page with an updated "Last Updated" date. Your continued use of the Service after any modifications constitutes acceptance of the new Terms.

15. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17. Contact Information

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