1) Eligibility & Use of the Site

You must be at least 18 years old and capable of entering into a binding agreement to use the Site. You agree to use the Site only for lawful purposes and in accordance with these Terms.

2) Insurance Services & No Advice

We are an independent insurance agency. Information on the Site is for general informational purposes only and is not insurance, legal, tax, or financial advice. Coverage availability, terms, limits, deductibles, exclusions, and pricing are provided by third-party insurance carriers and may vary by state and individual circumstance.

3) Quotes, Applications, & Coverage Binding

• Quotes are estimates only. Any quote provided through the Site or by our team is non-binding and subject to underwriting review and carrier approval.
• No coverage is bound until you receive written confirmation of binding or an insurance policy/ID card issued by the carrier or by us as an authorized agent.
• You are responsible for the accuracy and completeness of information you submit. Inaccurate or incomplete information may result in adjusted pricing, declinations, or voided coverage.

4) Third-Party Carriers & Services

Insurance is underwritten by third-party carriers. We are not responsible for the content, accuracy, or availability of third-party websites, portals, forms, or decisions made by carriers. Your relationship with any carrier is governed by that carrier’s terms and policy documents.

5) Pricing, Availability, & Errors

We strive for accuracy but do not warrant that information on the Site is complete, current, or error-free. Rates, discounts, products, and eligibility may change without notice and may be unavailable in some jurisdictions.

6) Accounts & Security

If you create an account or submit forms through the Site, you are responsible for safeguarding your credentials and for any activity occurring under your account. Notify us immediately of any unauthorized access or suspected breach.

7) Your Submissions

By submitting information to request quotes or services, you grant us permission to use that information to obtain quotes, service policies, and communicate with you, consistent with our Privacy Policy. Do not submit confidential or sensitive information unless requested and transmitted securely.

8) Intellectual Property

The Site, including its text, graphics, logos, and design, is owned by or licensed to us and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

9) Prohibited Uses

• Violating any applicable law or regulation.
• Attempting to gain unauthorized access to the Site or related systems.
• Introducing malware, automated scraping, or activities that degrade Site performance.
• Misrepresenting your identity or submitting false information.

10) Disclaimers

The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

11) Limitation of Liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Site or reliance on Site content. Our total liability for any claim related to the Site will not exceed one hundred U.S. dollars (US$100) or the amount you paid to use the Site, if any, in the twelve months preceding the claim, whichever is greater.

12) Indemnification

You agree to indemnify, defend, and hold harmless The Gibson Agency and our officers, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the Site or violation of these Terms.

13) Regulatory & E-Sign Consent

You consent to receive communications electronically and agree that electronic signatures and records are valid and enforceable to the fullest extent permitted by law. Insurance transactions may be subject to additional state and federal regulations; where applicable, carrier-specific disclosures and policy documents control.

14) Suspension & Termination

We may suspend or terminate access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to users, us, or third parties.

15) Governing Law & Venue

These Terms are governed by the laws of the State of Alabama, without regard to its conflict of law principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Madison County, Alabama for any dispute not subject to arbitration or where arbitration is not elected.

16) Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted on this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

17) Miscellaneous

• Severability: If any provision is found unenforceable, the remaining provisions remain in full force.
• No Waiver: Our failure to enforce any right is not a waiver of it.
• Entire Agreement: These Terms, together with our Privacy Policy and any additional notices, constitute the entire agreement regarding the Site.

18) Contact Us