Terms of Use

1. Acceptance of Terms

By accessing, browsing, or using the Tim Truett Agency website (timtruettagency.com) and submitting information through our online forms, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These Terms constitute a legally binding agreement between you and Tim Truett Agency, LLC.

2. Description of Services

Tim Truett Agency, LLC provides insurance and financial services to families and businesses in Arizona, including but not limited to:

• Auto Insurance
• Homeowners & Renters Insurance
• Life Insurance
• Health Insurance (ACA, IFP)
• Medicare coverage
• Retirement Savings (IRA, Roth IRA, 401K)
• Final Expense Insurance
• Annuities
• Business/Commercial Insurance
• Financial planning and advisory services

Our website provides information about these services and allows users to request quotes and schedule appointments.

3. Use of Website

3.1 Permitted Use

You may use our website for lawful purposes only. You agree to use the website in accordance with these Terms and all applicable laws and regulations.

3.2 Prohibited Uses

You agree not to:

• Use the website for any illegal or unauthorized purpose
• Violate any laws in your jurisdiction
• Transmit any viruses, malware, or malicious code
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the website or servers
• Harvest or collect information about other users
• Use automated systems (bots, scrapers) to access the website without permission
• Impersonate any person or entity
• Submit false or misleading information

4. User Submissions and Forms

4.1 Information Accuracy

When submitting information through our quote request or appointment scheduling forms, you represent and warrant that:

• All information provided is accurate, current, and complete
• You have the legal right to provide such information
• You are at least 18 years of age
• You have the authority to make decisions regarding insurance and financial services

4.2 Use of Submitted Information

By submitting information through our forms, you consent to our use of that information as described in our Privacy Policy. We may use your information to contact you, provide quotes, schedule appointments, and offer relevant products and services.

4.3 No Obligation

Submitting a quote request or scheduling an appointment does not obligate you to purchase any products or services from Tim Truett Agency, LLC.

5. Insurance and Financial Services Disclaimers

5.1 No Guarantee of Coverage

Quotes and information provided on this website are for informational purposes only and do not constitute a guarantee of coverage or approval. Final coverage terms, conditions, and premiums are subject to underwriting approval by the insurance carriers.

5.2 Not Legal or Tax Advice

The information on this website is not intended to be legal, tax, or investment advice. You should consult with appropriate professionals regarding your specific circumstances.

5.3 Individual Results May Vary

Insurance rates, coverage options, and financial planning results vary based on individual circumstances, including but not limited to age, health status, location, credit history, driving record, and other factors.

5.4 Licensed Agent

Tim Truett is a licensed insurance agent. All insurance products are offered through authorized insurance carriers and are subject to the terms and conditions of the respective insurance policies.

5.5 Farmers Insurance Relationship

Tim Truett Agency has a relationship with Farmers Insurance and multiple carrier options. We strive to provide objective recommendations based on your needs, but you should be aware of our business relationships.

6. Intellectual Property Rights

6.1 Ownership

All content on this website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Tim Truett Agency, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or publicly display any content without permission
• Modify or create derivative works
• Use content for commercial purposes
• Remove copyright or proprietary notices

6.3 Trademarks

Tim Truett Agency, LLC and associated logos are trademarks of Tim Truett Agency, LLC. Farmers Insurance and associated marks are trademarks of their respective owners. Unauthorized use of these trademarks is prohibited.

7. Third-Party Links and Content

Our website may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for any third-party websites or services. Your use of third-party websites is at your own risk and subject to their terms and conditions.

8. Disclaimer of Warranties

To the fullest extent permitted by law, Tim Truett Agency, LLC disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties that the website will be uninterrupted, secure, or error-free
• Warranties that defects will be corrected

We do not warrant that the website is free from viruses or other harmful components.

9. Limitation of Liability

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Damages resulting from your use or inability to use the website
• Damages resulting from unauthorized access to your information
• Errors or omissions in content
• Any third-party content or services

Our total liability to you for any claims arising from your use of the website shall not exceed the amount you paid to us, if any, or $100, whichever is less.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Tim Truett Agency, LLC, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from:

• Your use of the website
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Your submission of false or misleading information

11. Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website with a revised “Last Updated” date. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

13. Termination

We reserve the right to terminate or suspend your access to the website at any time, without notice, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent or illegal activity
• Conduct that harms or could harm Tim Truett Agency, LLC or other users

Upon termination, your right to use the website will immediately cease.

14. Governing Law and Jurisdiction

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions.

14.2 Jurisdiction

You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the website shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona. You consent to the personal jurisdiction of such courts.

14.3 Waiver of Class Actions

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. Dispute Resolution

15.1 Informal Resolution

In the event of any dispute, claim, or controversy, you agree to first contact us to attempt to resolve the dispute informally. Please contact us using the information provided below.

15.2 Arbitration

If we cannot resolve a dispute informally within 60 days, any remaining dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration will be conducted in Maricopa County, Arizona.

15.3 Exceptions

Either party may seek injunctive or other equitable relief in court to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be replaced with a valid provision that most closely approximates the intent of the original provision.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Tim Truett Agency, LLC regarding your use of the website and supersede all prior agreements and understandings.

18. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of Tim Truett Agency, LLC.

19. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

20. Contact Information

If you have any questions or concerns about these Terms of Use, please contact us using the information above. We will respond to your inquiry within a reasonable timeframe.

21. Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.