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Terms and Conditions

Last Updated: 02/06/2025

Welcome to Elder Agency, LLC ("we," "us," or "our"). By accessing or using our services, including requesting a quote, purchasing an insurance policy, or engaging in any other interaction with us, you ("you" or "the customer") agree to be bound by the following Terms and Conditions.

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1. Introduction This Agreement governs your use of services provided by Elder Agency, LLC, an insurance agency licensed in the State of Texas. By using our website or services, you acknowledge and agree to these terms. If you do not agree to these terms, you must not use our services.

2. Eligibility To use our services, you must be at least 18 years old and legally capable of entering into a binding agreement. You also must be a resident of Texas or have a business or property located in Texas that you wish to insure.

3. Services Provided We offer various types of insurance products, including but not limited to:

  • Auto Insurance

  • Home Insurance

  • Life Insurance

  • Health Insurance

  • Commercial Insurance These services are subject to the terms and conditions of the individual insurance provider’s policy. Our role is to help you find and purchase the appropriate insurance coverage.

4. Quotes and Applications

  • When you request a quote, you agree to provide accurate and truthful information. Any false or misleading information provided may result in the denial of coverage or claims.

  • Quotes are estimates and not binding offers. Final premiums may vary based on underwriting decisions made by the insurance provider.

5. Payment By purchasing an insurance policy through us, you agree to pay all applicable premiums. Payments can be made via the payment methods we accept (e.g., credit card, bank transfer, etc.).

  • Policies may be canceled if payments are not received in full or on time.

  • All fees related to policy issuance, renewal, or cancellation will be disclosed upfront.

6. Privacy and Data Security We value your privacy and are committed to safeguarding your personal information in accordance with applicable Texas laws and federal regulations. For more details, please refer to our [Privacy Policy].

7. Insurance Policies

  • We act as an intermediary to connect you with insurance providers, but we do not underwrite or issue policies ourselves.

  • The terms, coverage, and exclusions of any insurance policy are outlined in the policy agreement with the insurance provider and are subject to their review and approval.

  • You are responsible for reviewing the terms and conditions of your policy before acceptance.

8. Claims

  • Any claims related to your insurance policy must be made directly to the insurance provider in accordance with their claim procedures.

  • We can assist with general guidance but are not responsible for the handling or processing of claims.

9. Limitation of Liability To the fullest extent permitted by law, [Agency Name] is not liable for any indirect, incidental, or consequential damages arising from the use of our services, the purchase of an insurance policy, or any other interaction with us. Our total liability is limited to the amount paid by you for the specific service giving rise to the claim.

10. Changes to Terms We reserve the right to modify or update these Terms and Conditions at any time. Any changes will be posted on this page with an updated date. It is your responsibility to review these terms periodically.

11. Termination We reserve the right to terminate or suspend your access to our services at any time for any reason, including but not limited to violations of these terms.

12. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these terms shall be resolved in the courts located in [County Name], Texas.

13. Contact Information If you have any questions about these Terms and Conditions or our services, please contact us at:

Elder Agency, LLC

3120 Capital Way Ste 600 Fort Worth, Tx 76244
817.841.8010
helder@farmersagent.com

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