Terms and conditions
AMS Financial Services, LLC
Effective Date: April 23, 2022
These Terms and Conditions ("Terms") govern your access to and use of the website operated by AMS Financial Services, LLC ("AMS Financial Services," "we," "us," or "our"), including any content, features, or services available on or through the website, such as online quote requests.
By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of our website immediately.
1. About AMS Financial Services
AMS Financial Services, LLC is a licensed insurance agency headquartered in Houston, Texas. We provide insurance products and related services to residents of Texas, Louisiana, and Maryland. Nothing on this website constitutes a binding insurance contract, policy, or guarantee of coverage.
2. Eligibility
By using our website, you represent and warrant that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and are a resident of Texas, Louisiana, or Maryland, or are otherwise authorized to seek insurance services from us. Use of this website by individuals under 18 is not permitted.
3. Online Quote Requests
Our website allows you to submit a request for an insurance quote. By submitting a quote request, you understand and agree to the following:
· A quote request is not an application for insurance and does not bind coverage. Coverage is only effective upon the issuance of a written policy by a licensed insurance carrier.
· Any quote provided is an estimate only and is subject to change based on underwriting review, additional information, and the terms of the applicable insurance carrier.
· You agree to provide accurate, complete, and truthful information in your quote request. Providing false or misleading information may void any subsequent policy and could constitute insurance fraud under applicable state law.
· Submitting a quote request does not create an agent-client relationship or obligate AMS Financial Services to place coverage on your behalf.
· We will use the information you provide in accordance with our Privacy Policy to respond to your request and, where applicable, to contact you regarding insurance products and services.
4. No Insurance Advice
The content on this website is provided for general informational purposes only and does not constitute professional insurance advice. AMS Financial Services recommends that you consult with a licensed insurance professional to evaluate your specific needs before purchasing any insurance product. We make no representations or warranties regarding the suitability of any product for your particular circumstances.
5. Intellectual Property
All content on this website — including but not limited to text, graphics, logos, images, and software — is the property of AMS Financial Services, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.
6. Acceptable Use
You agree to use our website only for lawful purposes. You may not:
· Use the website in any way that violates applicable federal, state, or local law or regulation
· Submit false, misleading, or fraudulent information through any form or quote request
· Attempt to gain unauthorized access to any portion of our website or its related systems
· Transmit any unsolicited commercial communications or spam through our website
· Engage in any conduct that restricts or inhibits any person's use or enjoyment of the website, or that may harm AMS Financial Services or its users
7. Third-Party Links
Our website may contain links to third-party websites or resources. These links are provided for your convenience only. AMS Financial Services does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Your use of third-party sites is at your own risk and subject to their respective terms and conditions.
8. Disclaimer of Warranties
THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. AMS FINANCIAL SERVICES DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AMS FINANCIAL SERVICES, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
10. Indemnification
You agree to indemnify, defend, and hold harmless AMS Financial Services, LLC and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the website, your submission of a quote request, or your violation of these Terms.
11. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Harris County, Texas, and you consent to personal jurisdiction in such courts.
12. Privacy Policy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.
13. Changes to These Terms
AMS Financial Services reserves the right to modify these Terms at any time. Changes will be posted on this page with a revised effective date. Your continued use of the website after any changes are posted constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
14. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and AMS Financial Services, LLC with respect to your use of this website, and supersede all prior or contemporaneous agreements, communications, and understandings, whether written or oral.
16. Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us at:
AMS Financial Services, LLC
Houston, Texas
Service Areas: Texas, Louisiana, and Maryland
Note: These Terms and Conditions are provided for general informational purposes and do not constitute legal advice. AMS Financial Services, LLC recommends consulting with a licensed attorney to ensure full compliance with all applicable federal and state laws and insurance regulations.