Terms & ConDITIONS

Effective Date: November 7th, 2024

Welcome to Hereth Insurance Consulting! By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

1. Definitions

- "Hereth Insurance Consulting," "we," "our," or "us"** refers to Hereth Insurance Consulting LLC.

- "You" or "your" refers to the user of our website or services.

- "Services" include all insurance consulting, policy management, SMS communications, and other related activities offered by Hereth Insurance Consulting.

2. Use of Our Services

By using our services, you agree:

- To provide accurate and complete information during interactions with us.

- Not to misuse our website or services for illegal purposes or unauthorized activities.

- To comply with all applicable laws and regulations.

We reserve the right to refuse service, terminate accounts, or cancel orders at our sole discretion if these Terms and Conditions are violated.

3. Communication and SMS Messaging

Hereth Insurance Consulting may communicate with you via email, phone, or SMS. By opting into our SMS messaging, you agree to:

- Receive messages for scheduling appointments, providing updates, or other relevant communications.

- Reply "STOP" at any time to opt out of SMS communications.

Message and Data Rates: 

Standard carrier rates for SMS and data usage may apply. Hereth Insurance Consulting is not responsible for any fees charged by your carrier.

4. Disclaimer of Warranties

All services provided by Hereth Insurance Consulting are offered "as is" and "as available" without any warranties, either express or implied. We do not guarantee that:

- The services will meet your specific needs or expectations.

- The website will be free of errors, viruses, or interruptions.

5. Limitation of Liability

Hereth Insurance Consulting shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

- The use or inability to use our website or services.

- Errors, omissions, or delays in service delivery.

6. Privacy Policy

Your use of our services is subject to our Privacy Policy (https://herethinsuranceconsulting.com/privacy-policy), which is incorporated into these Terms and Conditions. Please review it carefully.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Hereth Insurance Consulting or its licensors. You may not reproduce, distribute, or create derivative works from this content without express written permission.

8. External Links

Our website may include links to third-party websites. Hereth Insurance Consulting is not responsible for the content, policies, or practices of these websites. Accessing these links is at your own risk.

9. Indemnification

You agree to indemnify and hold harmless Hereth Insurance Consulting, its affiliates, employees, and agents from any claims, damages, or expenses arising out of:

- Your use of our website or services.

- Your violation of these Terms and Conditions.

- Your infringement of any third-party rights.

10. Modifications to Terms

Hereth Insurance Consulting reserves the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective upon posting to this page. Continued use of our services after such modifications constitutes your acceptance of the new terms.

11. Governing Law

These Terms and Conditions are governed by the laws of the State of Missouri, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts located in Columbia, Missouri.

12. Contact Information

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

Hereth Insurance Consulting  

Phone: (573) 475-4015  

Website: [https://herethinsuranceconsulting.com]

By using our website or services, you acknowledge that you have read, understood, and agree to these Terms and Conditions. Thank you for choosing Hereth Insurance Consulting!