Terms of Service

Acceptance of Terms

By accessing or using our website, services, or providing your contact information to us, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

Our Services

Big Blue Insurance Agency Group provides insurance brokerage and consulting services, including:

• Medicare Advantage plan comparisons and enrollment assistance
• Final Expense insurance quotes and applications
• Insurance consultation and guidance services
• Educational resources and online tools
• Customer support and ongoing service

SMS Text Messaging Program

User Responsibilities and Conduct

When using our services, you agree to:

• Provide accurate, complete, and truthful information
• Update your information promptly when it changes
• Use our services for lawful purposes only
• Respect the intellectual property rights of others
• Not attempt to interfere with or disrupt our website or services
• Not use our services to transmit harmful, offensive, or illegal content
• Comply with all applicable laws and regulations

TCPA Compliance and Communication Consent

We comply with the Telephone Consumer Protection Act (TCPA) and related regulations. By providing your contact information:

• You consent to receive communications from us and our authorized partners
• You understand that consent is not required to purchase our services
• You may revoke consent at any time using the opt-out methods provided
• Automated technology may be used for calls and text messages

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Disclaimers and Limitations

Service Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

• The accuracy of insurance quotes or premium estimates
• The availability of specific insurance plans or carriers
• Approval for insurance coverage
• Uninterrupted or error-free service

Limitation of Liability

To the fullest extent permitted by law, Big Blue Insurance Agency Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Big Blue Insurance Agency Group or our licensors and is protected by copyright and other intellectual property laws.

Indemnification

You agree to indemnify and hold harmless Big Blue Insurance Agency Group and its affiliates, officers, agents, and employees from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas. Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

Contact Information

If you have questions about these Terms of Service or need to exercise any of your rights, please contact us: