Please read these terms carefully before using our services
By accessing and using the Michelle Smith Agency website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these Terms & Conditions, you should not use this website or our services.
These terms apply to all visitors, users, and others who access or use our services. Your continued use of our website and services constitutes your acceptance of any modifications to these terms.
Michelle Smith Agency provides insurance advisory services and connects clients with appropriate coverage options. Our services are designed to help you understand and select insurance products that meet your specific needs.
You agree to use our services only for lawful purposes and in accordance with these Terms & Conditions. You are responsible for ensuring that all information provided to us is accurate, current, and complete.
When using our services and website, you agree to the following obligations:
You must provide accurate, truthful, and complete information when requesting quotes, submitting applications, or communicating with our agents. Providing false or misleading information may result in policy denial or cancellation.
If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.
All content on the Michelle Smith Agency website, including but not limited to text, graphics, logos, images, software, and design elements, is the property of Michelle Smith Agency or its content suppliers and is protected by United States and international copyright laws.
The Michelle Smith Agency name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Michelle Smith Agency. You may not use these marks without our prior written permission.
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from our website without our express written consent.
Important: Please read these disclaimers carefully as they affect your legal rights.
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, timely, secure, or error-free.
Michelle Smith Agency acts as an insurance agent and advisor. We represent various insurance carriers and products. However, we do not guarantee that any particular insurance product will meet your needs or that coverage will be approved. Final approval and policy terms are determined by the insurance carrier.
While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or reliability of any content on our website. Insurance regulations, rates, and product availability may change without notice.
Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.
To the fullest extent permitted by applicable law, Michelle Smith Agency and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services.
This limitation applies to damages of any kind, including but not limited to:
In no event shall our total liability to you for all damages exceed the amount you paid to us, if any, for accessing our services during the twelve months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.
We reserve the right to modify or replace these Terms & Conditions at any time at our sole discretion. If we make material changes, we will provide notice by updating the "Last Updated" date at the top of this page.
It is your responsibility to review these Terms & Conditions periodically for changes. Your continued use of our website and services following any modifications constitutes acceptance of those changes.
We may modify, suspend, or discontinue any aspect of our services at any time without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of our services.
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Maryland, United States, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms & Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Prince George's County, Maryland.
You agree to submit to the personal jurisdiction of the courts located in Prince George's County, Maryland for any actions not subject to arbitration.
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have any questions, concerns, or comments about these Terms & Conditions, please contact us using the information below. Our team is available to assist you and provide clarification on any aspect of these terms.
We're here to help answer your questions about our terms and services