Terms of Service

Terms of Service

Effective Date: [April 15, 2025]

Welcome to smithkenyonins.com, the official website of Smith-Kenyon Insurance Resources, LLC, a Texas-registered insurance agency. By accessing this website, you agree to be bound by the following Terms of Service (“Terms”). Please read them carefully.

  1. Acceptance of Terms

By using this website, including creating an account, submitting forms, making payments, or accessing any tools or services, you confirm that you understand and agree to comply with these Terms. If you do not agree, please discontinue use of the website immediately.

  1. Who We Serve

Smith-Kenyon Insurance Resources, LLC is licensed to operate in Minnesota, Iowa, Texas, and Arkansas. Our services, information, and products are intended only for residents of these states. We do not knowingly solicit business or provide services outside of these jurisdictions.

  1. Website Content

All content on this site is provided for general and educational purposes only. Although the site may list certain insurance and financial protection products, no securities recommendations, financial planning services, or personalized investment advice are provided through this site.

For financial planning or securities guidance, please contact our team directly for in-scope services specific to your licensing jurisdiction.

  1. User Accounts and Forms

Users may create accounts or log in to access specific resources such as client portals, quote systems, or service requests. By submitting personal information through:

  • Contact forms,
  • Quote forms, or
  • Newsletter sign-ups,

you grant us permission to use your data in accordance with our [Privacy Policy] and applicable regulations.

You agree that all information you provide is accurate and that you are authorized to submit it on behalf of yourself or another person where applicable.

  1. Payments and Third-Party Tools

We accept online payments through our secure payment partner ePayPolicy. In some cases, we may direct you to our carrier partners’ websites, mobile apps, or billing phone numbers to complete payments.

We also provide access to embedded third-party tools such as quote calculators, chatbots, and AI features. These tools are governed by their own terms and privacy practices. We encourage users to review those providers’ policies directly.

  1. Prohibited Uses

You agree not to use the site to:

  • Submit false or misleading information,
  • Violate any law or regulation,
  • Attempt unauthorized access to site systems or data,
  • Distribute malware or spam.
  1. Intellectual Property

All website content, branding, text, graphics, and functionality are owned by Smith-Kenyon Insurance Resources, LLC or licensed to us, and are protected by applicable copyright and trademark laws.

You may not copy, reproduce, modify, republish, or distribute any part of the site without prior written consent.

  1. Disclaimer of Warranties

We make no warranties regarding:

  • The accuracy or completeness of content,
  • The availability of the website without interruption,
  • The performance of third-party tools or links.

All services are provided “as is” and “as available” without express or implied warranties.

  1. Limitation of Liability

Smith-Kenyon Insurance Resources, LLC shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of this site or its services. This includes, but is not limited to, loss of data, business interruption, or miscommunications.

  1. Modifications to Terms

We reserve the right to modify or update these Terms at any time. Updates will be posted on this page with an updated effective date. Your continued use of the site after such changes constitutes acceptance of the new Terms.

  1. Contact Us

For questions, concerns, or compliance-related issues, you may contact us at:

Smith-Kenyon Insurance Resources, LLC
📍 21750 Hardy Oak Blvd, #102
San Antonio, Texas 78258
📞 210-858-4827
📧 [email protected]

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