Terms of Service

Effective Date: 03/2026

Welcome to Wilmeowth Agency ("we," "our," or "us"). By accessing or using our website, wilmeowthagency.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use this Site.

1. Use of This Website

This Site is intended to provide general information about insurance products and allow users to request quotes or contact our agency.

You agree to use this Site only for lawful purposes and not to:

• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Use the Site in any way that could harm our business or other users

2. No Guarantee of Coverage or Pricing

Any quotes, estimates, or information provided through this Site are:

• For informational purposes only
• Subject to change based on underwriting and verification

Submission of a quote request does not:

• Guarantee coverage
• Bind coverage
• Create an insurance policy

Coverage is only confirmed when:

• You complete an application
• The insurer approves it
• A policy is issued and paid for

3. No Professional or Legal Advice

The information on this Site is provided for general informational purposes only and should not be considered legal, financial, or insurance advice. You should consult directly with a licensed agent or professional regarding your specific situation.

4. Communications and Consent

By submitting your information through this Site, you agree that we may contact you via:

• Phone
• Text message
• Email

for the purpose of responding to your inquiry or providing quotes and related services. Additional terms regarding communications are outlined in our Privacy Policy.

5. Third-Party Services and Carriers

We may work with third-party insurance carriers, partners, or service providers to provide quotes and services.

We are not responsible for:

• The actions or policies of third-party providers
• Coverage decisions made by insurance carriers

6. Limitation of Liability

To the fullest extent permitted by law, Wilmeowth Agency is not liable for any damages arising from:

• Use or inability to use this Site
• Reliance on information provided on this Site
• Errors, omissions, or delays in information

All use of this Site is at your own risk.

7. No Warranties

This Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that:

• The Site will be error-free or uninterrupted
• Information will always be accurate or up to date

8. Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of Wilmeowth Agency and may not be copied, reproduced, or distributed without permission.

9. Changes to These Terms

We may update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site constitutes acceptance of any changes.

10. Governing Law

These Terms are governed by the laws of the State of Oregon, without regard to conflict of law principles.

11. Contact Information

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

12. Entire Agreement

These Terms of Service, along with our Privacy Policy, constitute the entire agreement between you and Wilmeowth Agency regarding use of this Site.