Terms of Service

1. Agreement to Terms

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and PLW & Associates, concerning your access to and use of our website and services

2. Services Provided

PLW & Associates offers a comprehensive range of insurance solutions tailored to meet both personal and business needs. Our services include:

• Life Insurance: Providing individual life insurance policies to protect your loved ones and secure their future.
• Personal Insurance: Offering coverage options such as auto insurance, home insurance, renters insurance, and condo insurance to safeguard your personal assets.
• Business Insurance: Delivering solutions including business owner's insurance, commercial umbrella insurance, key person life insurance, and general liability insurance to protect your business operations.
• Business Package Insurance: Specialized packages for industries such as fleet insurance, manufacturer insurance, medical office insurance, and technology company insurance.

3. Consent for Communication

By providing your contact information through our forms, you agree to receive communications related to:

• Appointment reminders
• Order updates
• Account notifications
• Marketing updates

Message Frequency: You may receive 1 to 25 text messages daily depending on your preferences and interactions.

Message and Data Rates: Standard messaging and data rates may apply, depending on your carrier’s pricing structure.

Opt-In: You must explicitly opt-in to receive SMS messages by filling out our forms. Your consent is stored securely and will not be shared with third parties for marketing purposes.

Opt-Out: You may opt-out of receiving SMS messages by replying “STOP” to any message at any time. After opting out, you will no longer receive SMS communications. You can opt back in by replying “START.”

4. Privacy Policy

Your privacy is important to us. Please refer to our Privacy Policy for more information on how we collect, use, and protect your personal information.

5. User Responsibilities

• You agree to provide accurate and complete information when using our services.
• You are responsible for maintaining the confidentiality of your login credentials.
• Any unauthorized use of our website or services may result in termination of your access.

6. Prohibited Activities

You agree not to:

• Use our services for unlawful purposes.
• Attempt to gain unauthorized access to our systems.
• Distribute spam or malicious content.

7. Limitations of Liability

PLW & Associates is not responsible for:

• Any indirect, incidental, or consequential damages resulting from the use of our services.
• Carrier fees for SMS messaging.
• Delays or interruptions in service due to unforeseen circumstances.

8. Changes to Terms

We may update these terms periodically. Continued use of our services after changes are made constitutes your acceptance of the new terms.

9. Contact Information

For assistance, text “HELP” or visit our Contact Page.

Thank you for using PLW & Associates! We value your trust and are committed to providing the best service possible.