These Terms of Service (“Terms”) govern your access to and use of the Southern Insurance Brokers, LLC website (the “Site”). Please read them carefully. By accessing or using the Site, or by submitting any information through it, you agree to be bound by these Terms. If you do not agree, please do not use this Site.

1. Acceptance of Terms

By accessing or using this Site or submitting any information through it, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, do not use this Site.

2. Nature of This Website

This Site is informational in nature and is intended to facilitate contact between prospective clients and Southern Insurance Brokers, LLC, a licensed independent insurance agency.

Submitting a quote request or contact form through this Site does not:

• Constitute a request for, application for, or commitment to any insurance policy or coverage;

• Bind Southern Insurance Brokers, LLC or any carrier to provide coverage of any kind;

• Establish an agent-client relationship;

• Constitute a formal insurance quote, coverage proposal, or offer of insurance.

Any coverage discussions, quotes, or proposals will be provided separately through direct communication with a licensed representative of Southern Insurance Brokers, LLC. No coverage is in force unless and until it is confirmed in writing by an authorized insurance carrier.

3. Professional Consultation

The information on this Site is general in nature and does not constitute a personal insurance recommendation for any individual visitor. Coverage needs are determined on a case-by-case basis through direct consultation with a licensed representative. Submitting a quote request is how that process begins; it is not a substitute for it.

4. Consent to Be Contacted

By submitting your contact information through this Site, you authorize Southern Insurance Brokers, LLC and its licensed representatives to contact you at the telephone number, mailing address, and email address you provide. You agree that this contact may be made by telephone, text message (SMS), email, or mail, including through the use of automated dialing systems or prerecorded messages, for the purpose of responding to your inquiry and discussing insurance products and services.

You understand that providing this consent is not a condition of purchasing any product or service. Standard message and data rates may apply to text messages. You may opt out of future communications at any time by replying STOP to a text message, by following the unsubscribe instructions in an email, or by contacting us using the information in Section 17.

Text Messaging Program

You agree to receive informational messages (Customer Care) from Southern Insurance Brokers, LLC. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at matt@southerninsurancebrokers.com. You can opt out at any time by replying STOP.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.

5. Electronic Communications

When you use this Site or send communications to us through it, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

6. Accuracy of Information

We make reasonable efforts to ensure the information on this Site is accurate and current. However, coverage availability, terms, conditions, and pricing are set by insurance carriers and are subject to change without notice. We make no warranty, express or implied, as to the accuracy, completeness, timeliness, or fitness of any content on this Site for any particular purpose. You should not rely on Site content as a basis for any insurance or financial decision without confirming the details directly with a licensed representative.

7. Disclaimer of Warranties

This Site and all content on it are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, Southern Insurance Brokers, LLC disclaims all warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, we do not warrant that the Site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Site or the servers that make it available are free of viruses or other harmful components. You are responsible for implementing your own safeguards to protect your devices and information.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Southern Insurance Brokers, LLC and its members, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, this Site or its content, even if advised of the possibility of such damages.

To the extent any liability cannot be fully disclaimed, the total aggregate liability of Southern Insurance Brokers, LLC arising out of or relating to your use of this Site shall not exceed one hundred dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Nothing in these Terms limits or affects the coverage, terms, or obligations of any actual insurance policy issued to you, which are governed solely by the policy documents and the issuing carrier.

9. Your Representations

By using this Site, you represent and warrant that:

• You are at least 18 years of age and have the legal capacity to enter into these Terms;

• Any information you provide to us through the Site is true, accurate, and complete, and you will keep it updated as necessary;

• You will use the Site only for lawful purposes and in compliance with all applicable laws and regulations; and

• You will not use the Site to infringe, misappropriate, or violate the rights of Southern Insurance Brokers, LLC or any third party.

10. Indemnification

You agree to indemnify, defend, and hold harmless Southern Insurance Brokers, LLC and its members, employees, and representatives from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your misuse of the Site, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

11. Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of Southern Insurance Brokers, LLC or its content providers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written permission. Use of the Southern Insurance Brokers, LLC name, logo, or branding without permission is prohibited.

12. Third-Party Links

This Site may contain links to third-party websites. Southern Insurance Brokers, LLC does not control those sites and is not responsible for their content, privacy practices, or terms of use. Links are provided for convenience only and do not constitute an endorsement. You access third-party sites at your own risk.

13. Privacy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and protect the information you provide. By using this Site, you consent to the practices described in our Privacy Policy.

14. Governing Law & Venue

These Terms are governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction and venue of the state and federal courts located in Paulding County, Georgia, and you consent to the personal jurisdiction of those courts.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this Site with an updated effective date. Your continued use of the Site following any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

16. Severability & Entire Agreement

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be limited or removed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Southern Insurance Brokers, LLC regarding your use of this Site, and supersede any prior agreements on that subject. Our failure to enforce any provision shall not be deemed a waiver of that or any other provision.

17. Contact Us

If you have any questions or concerns regarding these Terms, please contact us:

Southern Insurance Brokers, LLC
110 Evans Mill Dr Suite 102
Dallas, GA 30157

(770) 450-9242

matt@southerninsurancebrokers.com