These Website Terms & Conditions ("Terms") govern your use of the website operated for Tonya Staten Insurance Agency / Staten Agency LLC ("Agency," "we," "us," or "our"). By accessing or using the website, you agree to these Terms. If you do not agree, please do not use the website.

Website content is provided for general informational purposes and may not describe every coverage, exclusion, limitation, condition, or eligibility requirement that applies to an insurance product. Insurance products and availability may vary by carrier and circumstance.

A website submission, quote request, email, voicemail, or text message does not by itself create, bind, change, renew, or cancel insurance coverage. Quotes are estimates based on information available at the time and are subject to underwriting, eligibility, carrier rules, policy terms, and final acceptance. Coverage is governed only by the applicable policy, endorsements, declarations, and carrier documentation.

Do not rely on a website submission or electronic message to make an urgent change to coverage. Contact the Agency directly and obtain confirmation regarding any requested bind, change, cancellation, or other time-sensitive insurance transaction.

You agree to provide accurate, current, and complete information when requesting a quote, applying for insurance, submitting a service request, or otherwise interacting with the Agency. You are responsible for reviewing applications, quotes, policies, and related documents for accuracy and promptly notifying the Agency of needed corrections.

You may use this website only for lawful purposes. You may not attempt to disrupt the website, bypass security features, introduce malicious code, access information without authorization, or use the website in a manner that infringes the rights of the Agency or others.

The website may include links to, forms from, or services provided by insurance carriers or other third parties. Those third parties operate under their own terms and privacy practices. A link or integration does not make the Agency responsible for a third party's website, availability, content, or practices.

If you expressly consent to receive text messages from the Agency, you agree to receive messages at the mobile number you provide in accordance with the consent language presented when you opt in. Messages may include communications related to insurance inquiries, quotes, appointments, customer service, policy-related matters, reminders, and, if separately authorized, marketing or promotional communications.

• Consent to receive text messages is not a condition of purchasing insurance products or services.
• Message frequency may vary.
• Message and data rates may apply.
• Reply STOP to opt out of a texting program. After an opt-out request is processed, you may receive a confirmation message and should no longer receive texts from that program unless you later provide new consent or the law otherwise permits the communication.
• Reply HELP for help, or contact the Agency at 859-689-3133 or tonya@tstatenins.com.
• You are responsible for providing a mobile number that you are authorized to use and for notifying us if the number changes or is reassigned.
• Carriers and wireless service providers are not liable for delayed or undelivered messages to the extent permitted by law.

Your use of our text messaging programs is also subject to our Privacy Policy. Mobile opt-in and consent information will not be sold or shared with third parties for their own marketing or promotional purposes. Service providers may process information as needed to provide messaging services for the Agency.

When you contact us electronically, you consent to receiving responses electronically where appropriate. Electronic communications may not be secure, and you should avoid sending highly sensitive information through ordinary email or text unless an appropriate secure method has been provided.

Unless otherwise stated, website content created for the Agency, including text, graphics, branding, and layout, is protected by applicable intellectual-property laws. Third-party names, logos, and content remain the property of their respective owners. You may not copy, reproduce, or commercially exploit protected content without permission except as allowed by law.

To the extent permitted by law, the website and its content are provided on an "as is" and "as available" basis. The Agency does not warrant that the website will always be uninterrupted, error-free, secure, or complete, or that information on the website will always be current.

To the extent permitted by applicable law, the Agency will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of, inability to use, or reliance on the website. Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

Our collection and use of personal information in connection with this website are described in our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference where applicable.

We may revise these Terms from time to time. Any revised Terms become effective when posted unless a different effective date is stated. Continued use of the website after revised Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

These Terms are intended to be governed by applicable law. Before publication, the Agency should have qualified counsel determine whether a more specific Kentucky governing-law, venue, arbitration, or dispute-resolution provision is appropriate for the Agency and its website activities.

Questions about these Terms may be directed to:

Tonya Staten Insurance Agency / Staten Agency LLC
1884 Petersburg Road, Hebron, KY 41048
Phone: 859-689-3133
Email: tonya@tstatenins.com