Legal Terms

Thank you for visiting our Web site. Your use of this Web site is subject to the following Legal Terms ("Terms").

Acceptance of Terms

By using this Web site, you acknowledge that you have reviewed, understood and agree to be bound all terms, conditions and notices contained on this Web site, including, without limitation, these Terms and the Privacy Policy, which can be viewed by clicking here. If you do not agree to these terms, you should not use this Web site.

Copyright, Trademark and other Intellectual Property Rights

We or our licensors own all content contained on this Web site, including, without limitation, text, graphics, logos, icons, images, video clips, and written materials, and all copyrights therein. The copying, redistribution, or modification of, or creation of derivative works based on, any portion of this Web site is expressly prohibited. We or our licensors own all trademarks, service marks, logos, slogans, and names of products and services, which may not be used without the prior written authorization of the owner.

Web Site Materials for Informational Purposes Only

The information, descriptions and materials on this Web site are provided for general informational purposes only and may not be complete, accurate, or current descriptions of the products and services offered by us or any company we represent. Your use of this Web site or request for additional information, whether by submission of an online form, by email, or otherwise, does not create a contract of insurance or an insurance policy. All features, content, specifications, products, services, and prices of products and services described or depicted on this Web site are subject to change at any time without notice. The inclusion of any products or services in this Web site at a particular time does not imply or warrant that these products or services will be available at any time.

Use of Site

You agree you will not use this Web site, or any of its features, to: (a) solicit or attempt to solicit funds or advertise goods and services; (b) upload, transmit, or otherwise make available software viruses, worms, trojan horses or other harmful or disruptive code or components; (c) disrupt, interfere with or restrict the use of this Web site by any other user; (d) impersonate any person or entity; (e) upload, transmit, or otherwise make available any commercial promotional materials, including without limitation, spam and chain letters; (f) conduct any illegal activity or further any illegal purpose; or (g) post or transmit any unlawful, threatening, defamatory, libelous, obscene, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law. In addition to any remedies that we may have at law or in equity, if we reasonably determine that you have violated or are likely to violate the foregoing prohibitions, we may take any action they reasonably deem necessary to cure or prevent the violation. Notwithstanding any provision in any policy on this Web site to the contrary, we will fully cooperate with any law enforcement authorities or court order or subpoena requesting or directing us to disclose the identity of anyone posting, transmitting, uploading or otherwise making available such materials.

Disclaimers

WE ASSUME NO LIABILITY FOR ERRORS OR OMISSIONS ON THIS WEB SITE. WE DO NOT ASSUME ANY RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER, TELECOMMUNICATION EQUIPMENT, OR OTHER PROPERTY CAUSED BY OR ARISING FROM YOUR ACCESS TO, USE OF, OR BROWSING THIS WEB SITE OR YOUR DOWNLOADING OF ANY MATERIALS, FROM THIS WEB SITE. WE MAKE NO REPRESENTATIONS REGARDING THE SUITABILITY, RELIABILITY, AVAILABILITY, ACCURACY, OR TIMELINESS OF THE WEB SITE AND ITS CONTENTS, AND MAKE NO COMMITMENT OR ASSUME ANY DUTY TO UPDATE SUCH MATERIALS. TO THE EXTENT PERMITTED BY LAW, ALL INFORMATION CONTAINED ON THE WEB SITE IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE, OUR PARENT AND AFFILIATES, OUR BUSINESS PARTNERS, AND EACH OF THEIR EMPLOYEES, OFFICERS, CONTRACTORS (INCLUDING, WITHOUT LIMITATION, PROVIDERS OF SOFTWARE, HOSTING, AND OTHER SERVICES AND EQUIPMENT RELATED TO THIS WEB SITE), AGENTS, AND THE COMPANIES WE REPRESENT SHALL HAVE NO LIABILITY FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF YOUR USE OF THE WEB SITE OR INABILITY TO USE THE WEB SITE. IN THE EVENT OF ANY PROBLEM WITH THIS WEB SITE OR ANY CONTENT, YOU AGREE THAT YOUR SOLE REMEDY IS TO CEASE USING THIS WEB SITE. THE FOREGOING EXCLUSIONS AND LIMITATIONS DO NOT APPLY TO THE EXTENT PROHIBITED BY LAW. PLEASE REFER TO YOUR LOCAL LAWS FOR ANY SUCH PROHIBITIONS.

Links to Other Sites

This Web site may contain links other Web sites. We do not control and are not responsible for the content of third-party Web sites. Inclusion of any link does not imply endorsement by us. For our policy regarding privacy issues related to third-party Web sites, please click here.

SMS Terms and Conditions for Ron Henderson Insurance Agency, Inc.

SMS For Consent Communication
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications
Upon consenting to receive text messages from Ron Henderson Insurance Agency, Inc, you may receive communications related to CONVERSATIONAL TEXT MESSAGES. Please note that standard messaging disclosures apply.

Message Frequency
Our SMS message frequency may vary.

Potential Fees for SMS Messaging
Carriers may charge fees for each message sent or received. These fees can vary based on the carrier's pricing structure and whether the message is sent domestically or internationally.

Opt-In Method
Customers may opt-in for SMS messaging from Ron Henderson Insurance Agency, Inc verbally during a call initiated through our website. During the call, customers will be asked: "Do you agree to receive texts from Ron Henderson Insurance Agency, Inc? Message frequency varies. Message and data rates may apply. Text HELP for help, text STOP to opt-out. See our privacy policy." This consent agreement will not be shared with third parties and affiliates for marketing purposes. No SMS communication will be initiated without customer consent.

Opt-out
Customers can opt-out of SMS messaging from Ron Henderson Insurance Agency, Inc by replying STOP at any time to any received SMS message. Once opted-out, they will receive no further SMS communication. Customers can opt back in at any time by replying START.

Governing Law

All disputes related to this Web site, including, without limitation, any disputes related to these Terms, shall be governed exclusively by the laws of the United States and the internal laws of the State of WA, and you hereby irrevocably consent to the exclusive jurisdiction and venue of the courts located in such state.

Changes to these Terms and Conditions

We reserve the right to modify these Terms without prior notice. You should check this Web site periodically to see if any recent changes to these Terms have occurred. By continuing to use this Web site after we post any such changes, you accept the Terms as modified.

Termination

We reserve the right to change, suspend, cancel, or discontinue this Web site, or any aspect of this Web site, including any features, content, specifications, products, materials, and services described or depicted on or available through the Web site, at any time without notice.