Introduction
Welcome to Moyer Agency. These Terms and Conditions govern your use of our website and services. By accessing or using our platform, you agree to be bound by these terms. Please read them carefully before proceeding.
These terms constitute a legally binding agreement between you and Moyer Agency. If you do not agree with any part of these terms, you must discontinue use of our website and services immediately. Your continued use of our platform signifies acceptance of these terms and any updates we may make from time to time.
Use of Services
You agree to use our website and services only for lawful purposes and in accordance with these terms. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
You may not use our services for any illegal or unauthorized purpose, including but not limited to violating intellectual property rights, transmitting harmful code, engaging in fraudulent activities, or interfering with the security or functionality of our platform. You must provide accurate and complete information when creating an account or requesting services. Any misuse or abuse of our services may result in immediate termination of your account.
Insurance Services
Moyer Agency acts as an intermediary between customers and insurance carriers. We provide quotes, assist with policy selection, and facilitate the insurance application process. Final coverage is subject to approval by the insurance carrier.
We do not guarantee approval of any insurance application, as final decisions rest with the insurance carriers. Premium quotes provided through our platform are estimates and may vary based on underwriting review. You acknowledge that insurance policies are contracts between you and the insurance carrier, not Moyer Agency. We are not liable for claim denials, coverage disputes, or carrier-related issues. Our role is limited to assisting with policy selection and providing customer support throughout the application process.
Payment Terms
Payment for insurance premiums is due according to the payment schedule outlined in your policy documents. Failure to make timely payments may result in policy cancellation. All payments are processed securely through our authorized payment partners.
You authorize Moyer Agency and its payment processors to charge your designated payment method for all premiums and fees associated with your insurance policy. Refund eligibility is determined by the insurance carrier's cancellation policy. We reserve the right to suspend or terminate services for non-payment. You are responsible for maintaining valid payment information and ensuring sufficient funds are available for scheduled payments. Any disputes regarding charges should be directed to our customer service team within thirty days of the transaction.
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Moyer Agency or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Unauthorized use of our intellectual property may result in legal action. You are granted a limited, non-exclusive license to access and use our website for personal, non-commercial purposes only. Any commercial use requires prior written authorization. Third-party trademarks and brands referenced on our site belong to their respective owners. We claim no ownership over content you submit through our platform, but you grant us a license to use such content for service delivery and improvement purposes.
Limitation of Liability
Moyer Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims shall not exceed the amount of premiums paid through our platform in the twelve months preceding the claim.
Our services are provided on an as-is and as-available basis without warranties of any kind, express or implied. We do not warrant that our website will be uninterrupted, secure, or error-free. You assume all risk associated with your use of our services. We are not responsible for damages resulting from system failures, data loss, unauthorized access, or third-party actions. Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability, so these limitations may not apply to you.
Termination
We reserve the right to suspend or terminate your access to our services at any time, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.
Upon termination, your right to use our services will immediately cease. Provisions of these terms that by their nature should survive termination will remain in effect, including ownership provisions, warranty disclaimers, and limitations of liability. You may also terminate your account by contacting our customer service team. Termination does not affect existing insurance policies, which remain subject to the terms set by the insurance carrier.
Changes to These Terms
We may modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Contact Us
If you have questions or concerns about these Terms and Conditions, please contact us at:
Moyer Agency
320 West Lanier Avenue Fayetteville GA 30214
Phone: +1 (229) 201-7590
Email: [email protected]
