Terms & Conditions

1. Services Provided

1.1 Scope of Services: We offer insurance brokerage services, including policy recommendations, sales, and claims assistance. Our role is to connect clients with insurance providers and help manage their policies.

1.2 Limitations: We do not provide legal, financial, or tax advice. The information we provide should not be considered a substitute for professional advice.

2. Responsibilities

2.1 Agency Responsibilities: We commit to acting in your best interests, providing accurate information, and complying with industry regulations.

2.2 Client Responsibilities: You agree to provide truthful and complete information during the application process and to notify us of any changes to your circumstances that may affect your insurance coverage.

3. Fees and Compensation

3.1 Agency Fees: Our services may involve fees for consultation or administrative tasks. These fees will be disclosed to you before any services are rendered.

3.2 Commission: We earn commissions from insurance carriers for policies sold. This commission is part of the premium paid to the insurer and does not affect the cost of your policy.

4. Confidentiality and Data Protection

4.1 Confidentiality: We are committed to protecting your personal and financial information. We will not disclose your information to third parties except as necessary for the provision of our services or as required by law.

4.2 Data Use: Your data may be used to provide and manage insurance services, including contacting you about policy updates or changes. We implement security measures to protect your information.

5. Dispute Resolution

5.1 Dispute Process: If you have a dispute with us, please contact us at 972 – 589 – 7685  to resolve the issue. We will make reasonable efforts to address your concerns.

5.2 Mediation and Arbitration: If a dispute cannot be resolved through direct communication, it may be subject to mediation or arbitration in accordance with applicable laws.

6. Termination

6.1 Client Termination: You may terminate our services at any time by providing written notice. Any outstanding fees or obligations will be settled upon termination.

6.2 Agency Termination: We reserve the right to terminate our services with written notice if we believe it is in the best interest of either party.

7. Legal and Regulatory Compliance

7.1 Governing Law: These Terms and Conditions are governed by the laws of Texas. Any legal disputes will be resolved under the jurisdiction of Texas.

7.2 Regulatory Compliance: We comply with all relevant insurance regulations and industry standards.

8. Amendments

8.1 Changes to Terms: We may update these Terms and Conditions from time to time. Changes will be communicated to you through our emails and will take effect immediately unless stated otherwise.

8.2 Notification: It is your responsibility to review these Terms periodically. Continued use of our services constitutes acceptance of any changes.

9. Limitation of Liability

9.1 Agency Liability: Our liability for errors or omissions in providing services is limited to the maximum extent permitted by law. We are not liable for any indirect, incidental, or consequential damages.

9.2 Client Acknowledgment: By engaging our services, you acknowledge and accept these limitations of liability.

10. Contact Information

10.1 General Inquiries: For any questions or concerns, please contact us at 972 – 589 – 7685 or info@throne-ins.com.

10.2 Emergency Contact: For urgent matters outside normal business hours, please contact 972 – 589 – 7685.