Terms of Use

1. Agreement to Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("you" or "User") and Thompson Insurance Agency ("Thompson Insurance," "we," "us," or "our") governing your access to and use of the website at thompinsurance.com and any related services, content, and features (collectively, the "Site").

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Site.

2. Eligibility

To use the Site, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Not be prohibited from receiving services under the laws of the United States or applicable state laws

By using the Site, you represent and warrant that you meet these requirements.

3. Use of the Site

Permitted Use

You may use the Site for lawful, non-commercial purposes related to researching insurance products and services, requesting insurance quotes, communicating with Thompson Insurance about your policies or potential policies, accessing your account through our client portal (Glovebox), and reviewing publicly available content on the Site.

Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Site, our systems, or our networks
• Use any automated means (such as bots, scrapers, or crawlers) to access the Site without our written permission
• Interfere with or disrupt the Site's operation or any servers or networks connected to the Site
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Submit false, misleading, or fraudulent information through any form on the Site
• Collect or harvest personal information about other users
• Use the Site in any manner that could damage, disable, overburden, or impair the Site
• Reverse engineer, decompile, or attempt to extract source code from the Site
• Use the Site to send unsolicited communications (spam)

4. Insurance Information Disclaimer

Quotes Are Estimates

Any insurance quote provided through the Site is an estimate based on information you provide and information we obtain from third parties. Final premiums, coverage availability, and policy terms are determined by the insurance carrier and are subject to verification of the information you provide, underwriting review by the carrier, inspection requirements (where applicable), carrier eligibility guidelines, state filing requirements, and other factors.

A quote does not constitute an offer of insurance and does not guarantee coverage will be issued.

Coverage Information

Information about insurance products, coverage types, and policy features on the Site is provided for general informational purposes only. Actual coverage is governed solely by the policy documents issued by the insurance carrier. In the event of any conflict between information on the Site and your policy documents, the policy documents control.

Not Legal, Financial, or Professional Advice

Information on the Site is not intended as legal, tax, financial, or other professional advice. You should consult with qualified professionals for advice specific to your situation.

No Guarantees

We do not guarantee the availability of any specific insurance product or carrier, any specific premium, discount, or coverage outcome, that information on the Site is complete, accurate, or current at all times, or uninterrupted or error-free operation of the Site.

5. Intellectual Property

Our Content

All content on the Site — including text, graphics, logos, images, software, photographs, videos, designs, and the overall "look and feel" — is the property of Thompson Insurance Agency or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

The "Thompson Insurance" name, the Thompson Insurance logo, "Agency For Life," and related marks are trademarks of Thompson Insurance Agency.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes consistent with these Terms.

You may not reproduce, distribute, publicly display, or create derivative works from Site content without our written permission; use any Thompson Insurance trademarks without our written permission; or remove or alter any copyright, trademark, or other proprietary notices.

User Submissions

If you submit any content, suggestions, ideas, or feedback to us through the Site (including reviews, comments, or testimonials), you grant Thompson Insurance Agency a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license to use, modify, publish, and display that content for any lawful purpose, including marketing.

You represent that any content you submit is your own original work, does not violate any third-party rights, and is not false, misleading, or defamatory.

6. Third-Party Services and Links

The Site may contain links to third-party websites, services, or products, including but not limited to the client portal (Glovebox), insurance carrier websites, payment processors, FEMA flood map services, social media platforms, and other third-party tools.

We do not endorse, control, or assume responsibility for third-party websites, content, products, or services. Your use of any third-party service is subject to that third party's terms and privacy policy. We are not responsible for any losses or damages arising from your use of third-party services.

7. Electronic Communications and Signatures

By providing your contact information through the Site, you consent to receive electronic communications from us, including quote confirmations, policy documents, renewal notices, billing statements, service-related communications, and marketing communications (which you may opt out of — see our Privacy Policy).

You agree that electronic communications, signatures, and records satisfy any legal requirement that such communications, signatures, or records be in writing, signed, or in non-electronic form.

If you do not wish to receive electronic communications, you must contact us at (901) 402-0779 to request alternative communication methods.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you acknowledge that you have read and understood our Privacy Policy.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, THOMPSON INSURANCE AGENCY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES OF NON-INFRINGEMENT, WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF SITE CONTENT, AND WARRANTIES THAT DEFECTS WILL BE CORRECTED.

YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THOMPSON INSURANCE AGENCY, ITS OWNERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY; ANY DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE; ANY DAMAGES ARISING FROM RELIANCE ON INFORMATION OBTAINED FROM THE SITE; OR ANY DAMAGES ARISING FROM THIRD-PARTY ACTIONS OR CONTENT, EVEN IF THOMPSON INSURANCE AGENCY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID THOMPSON INSURANCE AGENCY IN THE 12 MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

THIS LIMITATION OF LIABILITY DOES NOT APPLY TO LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE, LIABILITY FOR FRAUD OR INTENTIONAL MISCONDUCT, OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you in full.

11. Indemnification

You agree to indemnify, defend, and hold harmless Thompson Insurance Agency, its owners, employees, agents, affiliates, and successors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your violation of these Terms, your violation of any third-party rights, or any content you submit through the Site.

We reserve the right to assume the exclusive defense of any matter subject to indemnification by you, in which case you agree to cooperate with us in defending such matters.

12. Termination

We reserve the right to suspend or terminate your access to the Site at any time, for any reason, without notice. We may also remove or restrict access to any content on the Site at our sole discretion.

Provisions of these Terms that by their nature should survive termination — including but not limited to intellectual property provisions, disclaimers, limitations of liability, and indemnification — will survive termination of your access to the Site.

13. Modifications to the Site and Terms

We reserve the right to modify, suspend, or discontinue the Site (or any portion of it) at any time, with or without notice.

We may also update these Terms from time to time. When we make material changes, we will update the "Last Updated" date at the top of these Terms and provide additional notice as appropriate.

Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Site.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles.

You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Shelby County, Tennessee, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution

Informal Resolution

Before filing any legal action, you agree to first contact us at admin@thompinsurance.com to attempt to resolve the dispute informally. We will work in good faith to resolve disputes within 60 days of your initial notice.

Arbitration (Optional)

For disputes that cannot be resolved informally, you and Thompson Insurance Agency may agree to submit the dispute to binding arbitration in Shelby County, Tennessee, conducted in accordance with the rules of the American Arbitration Association. Either party may opt out of arbitration and pursue claims in court at their discretion.

Class Action Waiver

You and Thompson Insurance Agency agree that any dispute will be resolved on an individual basis, not as part of a class action, collective action, or representative proceeding.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

17. Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.

18. Entire Agreement

These Terms, together with our Privacy Policy and any other notices or agreements posted on the Site, constitute the entire agreement between you and Thompson Insurance Agency regarding your use of the Site, and supersede all prior agreements and understandings.

19. Assignment

You may not assign or transfer your rights or obligations under these Terms without our written consent. We may freely assign or transfer our rights and obligations under these Terms.

20. Contact Information

If you have questions, concerns, or notices regarding these Terms of Use, please contact us:

• Thompson Insurance Agency
• 2298 S Germantown Rd Ste 1, Germantown, TN 38138
• Phone: (901) 402-0779
• Email: admin@thompinsurance.com

These Terms of Use are effective as of the date listed above and supersede all prior versions. By using the Thompson Insurance Agency website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.