Terms of Service
Last updated: July 21, 2026
These Terms of Service ("Terms") govern your access to and use of the website operated by TCDS Insurance Agency ("TCDS," "we," "us," or "our"). Please read these Terms carefully. They contain important provisions regarding disclaimers of warranties, limitation of liability, binding arbitration, and a waiver of class actions.
1. Acceptance of Terms
By accessing, browsing, or otherwise using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must not access or use the website. You represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. If you use the website on behalf of a business or other entity, you represent that you are authorized to bind that entity to these Terms.
2. License to Use the Site
Subject to your compliance with these Terms, TCDS grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable license to access and view the content on this website solely for your personal, non-commercial use. All content made available through the website, including text, articles, guides, graphics, and images, is owned by TCDS or its licensors and is protected by copyright and other intellectual property laws. Except as expressly permitted, you may not reproduce, distribute, modify, publicly display, or create derivative works from any content without the prior written consent of TCDS.
3. Prohibited Uses
You agree not to use the website in any manner that is unlawful or that could harm TCDS, its users, or any third party. Without limiting the foregoing, you specifically agree that you will not:
- Use the website for any unlawful purpose or in violation of any applicable law or regulation;
- Interfere with, disrupt, or attempt to disrupt the operation, security, or availability of the website;
- Collect, gather, harvest, or extract data or content from the website through automated means without our prior written permission;
- Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of any part of the website;
- Impersonate any person or entity or misrepresent your affiliation with any person or entity;
- Transmit any unsolicited or unauthorized advertising, promotional material, spam, or other form of solicitation;
- Attempt to gain unauthorized access to any portion of the website, other user accounts, or any systems or networks connected to the website.
4. Insurance Information Disclaimer
The content on this website is provided for general informational purposes only and does not constitute insurance advice, a binding insurance quote, or an offer to sell or bind insurance. Any premium figures, coverage descriptions, or eligibility information are illustrative and subject to change. Actual coverage exists only when a policy is issued by a licensed insurance carrier, and all coverage is subject to the carrier's underwriting guidelines, the terms and conditions of the applicable policy, and applicable law. Nothing on this website creates an insurer-insured or agent-client relationship until a policy is bound and issued.
5. No Guarantee of Coverage or Rates
Any examples, savings figures, estimates, or sample premiums shown on this website are illustrative only and are not a guarantee of coverage, availability, or price. Actual outcomes vary based on individual factors, which may include your credit history, driving record, home characteristics, claims history, requested coverage limits and deductibles, and each carrier's appetite and underwriting rules. TCDS does not guarantee that any carrier will accept your application or that any quoted rate will remain unchanged through binding. Actual rates depend on your specifics; get a real quote for accurate pricing.
6. Third-Party Links and Content
The website may contain links to third-party websites, including insurance carrier and partner sites, that are not owned or controlled by TCDS. We provide these links for your convenience only. TCDS does not endorse and is not responsible for the content, products, services, privacy practices, or policies of any third-party site. Your use of any third-party website is at your own risk and is subject to that site's own terms and policies.
7. Intellectual Property
The TCDS Insurance Agency name, logo, trademarks, service marks, and all website content are the property of TCDS Insurance Agency or its licensors and are protected by United States and international intellectual property laws. Nothing in these Terms grants you any right, title, or interest in any TCDS intellectual property. Any unauthorized use of our marks or content is strictly prohibited and may violate applicable laws.
8. User-Submitted Content
If you submit or post any testimonials, reviews, comments, or other content to or through the website ("User Content"), you grant TCDS a worldwide, perpetual, irrevocable, royalty-free, and fully sublicensable license to use, reproduce, display, publish, adapt, and distribute that User Content in any media in connection with our business. You represent and warrant that you own or otherwise control all rights to the User Content you submit, that the content is accurate, and that its use will not violate these Terms or the rights of any third party. We reserve the right, but have no obligation, to remove any User Content at our discretion.
9. Privacy
Your use of the website is also governed by our Privacy Policy, which describes how we collect, use, and safeguard your information. By using the website, you acknowledge and accept the practices described in the Privacy Policy.
10. Disclaimers
The website and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, TCDS disclaims all warranties, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. TCDS does not warrant that the website will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. You use the website at your own risk.
11. Limitation of Liability
To the fullest extent permitted by law, TCDS and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of or inability to use the website. In no event shall the total aggregate liability of TCDS exceed the greater of one hundred dollars ($100) or the amount you paid to TCDS, if any, in the twelve (12) months preceding the event giving rise to the liability. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
12. Indemnification
You agree to indemnify, defend, and hold harmless TCDS Insurance Agency and its officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your misuse of the website, your User Content, or your violation of these Terms or of any applicable law or the rights of any third party.
13. Governing Law and Venue
These Terms are governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict-of-laws principles. Subject to the arbitration provision below, you agree that any dispute not subject to arbitration shall be brought exclusively in the state or federal courts located in Jefferson County, Alabama, and you consent to the personal jurisdiction and venue of those courts.
14. Arbitration Clause
Except for disputes that qualify for small claims court, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the website shall be resolved by binding arbitration administered under the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be seated in Birmingham, Alabama. You and TCDS agree to arbitrate on an individual basis only, and both parties waive any right to participate in a class action or class-wide arbitration. You may opt out of this arbitration provision by mailing written notice of your decision to opt out to the address listed below within thirty (30) days of first accepting these Terms.
15. Force Majeure
Neither party shall be liable for any failure or delay in performance resulting from circumstances beyond its reasonable control, including but not limited to natural disasters, severe weather, war, terrorism, civil unrest, government action, labor disputes, internet or utility outages, or pandemics.
16. Modifications to Terms
TCDS may revise or update these Terms at any time in its sole discretion. When we make changes, we will update the "Last updated" date shown at the top of this page. Your continued use of the website after any updated Terms are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
17. Severability
If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.
18. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and TCDS Insurance Agency regarding your use of the website and supersede any prior agreements or understandings, whether written or oral, relating to that subject matter.
19. Contact Us
If you have questions about these Terms of Service, please contact TCDS Insurance Agency at 4316 Main St, Pinson, AL 35126, by phone at (205) 847-5616, or through our contact form.