Terms of Service

Agreement to Terms

By accessing or using the TCDS Insurance Agency website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

Services Provided

TCDS Insurance Agency is an independent insurance agency licensed in Alabama. We provide:

• Insurance quotes and policy recommendations
• Policy binding and issuance through insurance carriers
• Policy servicing and claims assistance
• Educational content about insurance coverage

We act as an intermediary between you and insurance carriers. Insurance policies are issued by the carriers, not by our agency.

No Guarantee of Coverage

Quotes provided are estimates based on information you provide. Final coverage and pricing are determined by the insurance carrier during underwriting. We do not guarantee that any carrier will accept your application or that quoted rates will remain unchanged during the binding process.

Accuracy of Information

You agree to provide accurate, complete, and truthful information when requesting quotes or purchasing insurance. Misrepresentation or omission of material facts may result in:

• Policy cancellation or rescission
• Denial of claims
• Legal consequences

Educational Content Disclaimer

Content on our website (articles, videos, guides) is for educational purposes only and does not constitute legal, financial, or professional advice. Insurance needs vary by individual circumstances. Always consult with a licensed insurance agent before making coverage decisions.

Limitation of Liability

To the fullest extent permitted by law, TCDS Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our liability is limited to the amount of commissions earned from your policy.

Intellectual Property

All content on this website (text, images, logos, graphics) is the property of TCDS Insurance Agency or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

Our website may contain links to third-party websites (insurance carriers, educational resources). We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party websites is at your own risk.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe violates these Terms of Service or is harmful to our business or other users.

Governing Law

These Terms of Service are governed by the laws of the State of Alabama, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Jefferson County, Alabama.

Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes by posting the updated terms on our website with a new "Last Updated" date. Your continued use of our services constitutes acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Service, please contact us: