AGREEMENT TO THESE TERMS

These Terms & Conditions (“Terms”) govern your access to and use of www.yourguyinsurance.com (the “Site”) and the insurance information, consultation, quote-request, appointment, communication, and related services offered by Marvellus Lucas / Your Guy Insurance (“we,” “us,” or “our”).

By accessing or using the Site, submitting a form, requesting information, or otherwise using our services, you acknowledge that you have read, understood, and agree to these Terms.

If you do not agree with these Terms, please discontinue use of the Site and services.

The Site and services are intended for individuals who are at least 18 years old.

1. OUR SERVICES

Your Guy Insurance provides information and assistance related to insurance products and coverage options.

Services may include:

Insurance education and general information

Coverage consultations

Quote requests

Appointment scheduling

Application assistance

Follow-up communications

Customer service

Referral to insurance carriers and related service providers

Services and insurance-product availability may vary by state, carrier, licensing authority, eligibility, underwriting criteria, and other factors.

Nothing on this Site guarantees that an insurance policy will be issued or that any particular coverage, premium, benefit, carrier, or rate will be available to you.

2. INSURANCE INFORMATION AND COVERAGE

Information presented on the Site is provided for general informational purposes and is not a binding insurance contract.

Insurance coverage is subject to:

Carrier underwriting requirements

Policy terms and exclusions

State availability

Eligibility requirements

Applicable laws and regulations

Carrier approval

Final policy documentation

Any preliminary quote, estimate, illustration, benefit description, or coverage discussion is subject to confirmation by the applicable insurance carrier.

The actual insurance policy, if issued, controls in the event of any conflict between information provided through the Site and the official carrier policy documents.

3. LICENSING AND AVAILABILITY

Marvellus Lucas provides insurance-related services only in jurisdictions where properly authorized or licensed to do so.

The availability of specific products and carriers may vary by state.

Accessing this Site from a particular jurisdiction does not mean that every product or service described on the Site is available or authorized in that jurisdiction.

4. USER REPRESENTATIONS

By using the Site or services, you represent that:

Information you provide is accurate and complete to the best of your knowledge.

You are legally capable of entering into agreements.

You are at least 18 years of age.

You will not use the Site for unlawful or fraudulent purposes.

You will not attempt to interfere with the operation or security of the Site.

You will not impersonate another individual or knowingly provide false information.

Your use of the Site will comply with applicable laws and regulations.

Providing false, incomplete, or misleading information may prevent us from responding to your request or assisting with an insurance application.

5. QUOTES, APPLICATIONS, AND INSURANCE DECISIONS

Submitting information through the Site does not create an insurance contract.

A request for information or quote does not:

Guarantee approval

Bind coverage

Guarantee a premium

Guarantee eligibility

Create an agent-client contractual relationship beyond applicable legal obligations

Insurance applications may require additional information, verification, signatures, disclosures, underwriting, or documentation.

Coverage becomes effective only according to the terms established by the issuing insurance carrier.

Do not cancel or replace existing insurance coverage until you have confirmed that any replacement coverage has been issued and is effective.

6. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site and its content are owned by or licensed to Marvellus Lucas / Your Guy Insurance.

Site content may include:

Text

Graphics

Logos

Website designs

Images

Videos

Forms

Educational information

Branding

Other materials

You may access the Site for personal, non-commercial use.

You may not copy, reproduce, republish, distribute, sell, license, modify, or commercially exploit Site content without prior written authorization, except where allowed by law.

7. PROHIBITED ACTIVITIES

You may not use the Site or services to:

Engage in fraudulent or unlawful activity

Attempt unauthorized access to systems or information

Circumvent security features

Upload malicious software, viruses, or harmful code

Use automated scraping, bots, or similar extraction tools without authorization

Collect personal information about others without authorization

Interfere with Site functionality

Submit knowingly false information

Impersonate another person

Use the Site to send unsolicited or unlawful communications

Violate intellectual-property, privacy, or other legal rights

We reserve the right to restrict access when reasonably necessary to protect the Site, users, or our legal rights.

8. THIRD-PARTY INSURANCE CARRIERS AND SERVICES

The Site may reference or provide access to products or services offered by third-party insurance carriers or other service providers.

Those third parties operate independently and may maintain their own:

Terms and conditions

Privacy policies

Underwriting standards

Eligibility requirements

Pricing

Product terms

Service practices

We are not responsible for the operation, security, content, availability, or privacy practices of independent third-party websites or services.

The inclusion of a third-party link or carrier does not alter the terms of any insurance contract issued by that carrier.

9. PRIVACY POLICY

We care about data privacy and security.

Please review our Privacy Policy available through www.yourguyinsurance.com.

The Privacy Policy explains how we collect, use, maintain, protect, and disclose personal information.

By using the Site, you acknowledge the Privacy Policy.

SMS opt-in data and consent are governed by the Privacy Policy and are not shared with third parties or affiliates for marketing or promotional purposes.

10. ELECTRONIC COMMUNICATIONS

Visiting the Site, submitting online forms, sending emails, and communicating electronically constitute electronic communications.

You agree that notices, disclosures, records, and other communications may be provided electronically when permitted by applicable law.

Submitting a form does not automatically constitute consent to receive marketing text messages.

SMS consent is collected separately.

11. SMS TERMS

Your Guy Insurance may send informational, service related, and promotional text messages to users who opt in. Messages may include quote follow up, appointment reminders, service updates, customer service messages, and insurance coverage information. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out and HELP for help. Carriers are not liable for delayed or undelivered messages. You must be 18 or older to use this SMS program. View our Privacy Policy at https://www.yourguyinsurance.com/privacy-policy.

12. SMS TEXT MESSAGING

Optional SMS Consent

Providing your telephone number does not, by itself, constitute consent to receive SMS marketing or non-marketing messages.

Consent to SMS messaging is optional and is not required as a condition of requesting insurance information, requesting a quote, scheduling an appointment, or submitting a website form.

Where SMS consent is offered, you may separately choose whether to consent to:

Marketing text messages

Non-marketing/service-related text messages

Consent boxes will not be pre-selected.

Marketing Messages

If you voluntarily consent to marketing SMS communications, you may receive messages from Marvellus Lucas / Your Guy Insurance regarding matters such as:

Insurance information

Coverage options

Offers

Service updates

Related promotional information

Non-Marketing Messages

If you voluntarily consent to non-marketing SMS communications, you may receive messages regarding matters such as:

Your quote request

Appointment scheduling

Appointment reminders

Application updates

Service-related communications

Customer-service matters

Message Frequency

Message frequency may vary depending on your interaction with us and the services you request.

Message and Data Rates

Message and data rates may apply according to your mobile carrier and wireless plan.

Opting Out

You may opt out of SMS communications at any time by replying:

STOP

You may receive a confirmation message acknowledging your opt-out request.

Help

For assistance, reply:

HELP

You may also contact us at:

1-415-707-3207

[email protected]

Mobile Information

Mobile information and SMS consent information will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with subcontractors or service providers when necessary to support services such as communications, customer service, technical operations, or related business functions.

Text-messaging originator opt-in data and consent will not be shared with third parties for their own marketing or promotional purposes.

13. EMAIL COMMUNICATIONS

If you voluntarily provide your email address, we may use it to:

Respond to inquiries

Send requested information

Provide quote or appointment-related communications

Provide service updates

Respond to customer-service requests

Where required, marketing emails will include a method for unsubscribing from future marketing messages.

14. WEBSITE AVAILABILITY AND MODIFICATIONS

We may modify, update, suspend, or discontinue portions of the Site or services when reasonably necessary.

We do not guarantee uninterrupted or error-free access to the Site.

Technical interruptions, maintenance, internet outages, third-party service interruptions, or other circumstances may temporarily affect availability.

We reserve the right to correct typographical errors, inaccuracies, omissions, and outdated information.

15. DISCLAIMER

THE SITE AND RELATED SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS TO THE FULLEST EXTENT PERMITTED BY LAW.

WE DO NOT GUARANTEE THAT:

THE SITE WILL ALWAYS BE AVAILABLE

INFORMATION WILL ALWAYS BE ERROR-FREE

A PARTICULAR INSURANCE PRODUCT WILL BE AVAILABLE

AN APPLICATION WILL BE APPROVED

A PARTICULAR PREMIUM, BENEFIT, OR COVERAGE AMOUNT WILL BE OFFERED

INSURANCE PRODUCTS ARE SUBJECT TO THE TERMS, CONDITIONS, EXCLUSIONS, ELIGIBILITY REQUIREMENTS, AND UNDERWRITING OF THE APPLICABLE INSURANCE CARRIER.

NOTHING ON THE SITE SHOULD BE INTERPRETED AS A GUARANTEE OF COVERAGE.

16. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Marvellus Lucas / Your Guy Insurance will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from use of the Site or reliance upon information presented through the Site.

Some jurisdictions do not allow certain exclusions or limitations of liability. Where such laws apply, these limitations will apply only to the maximum extent permitted by law.

Nothing in these Terms excludes liability that cannot legally be excluded.

17. INDEMNIFICATION

To the extent permitted by law, you agree to indemnify and hold harmless Marvellus Lucas / Your Guy Insurance and its agents, contractors, and service providers from claims, losses, liabilities, damages, or expenses arising from:

Your unlawful use of the Site

Your breach of these Terms

False or misleading information knowingly submitted by you

Your infringement of third-party rights

This provision does not apply where prohibited by applicable law.

18. USER DATA

Information submitted through the Site may be stored and processed through trusted technology and service providers necessary to operate the Site and provide requested services.

We use reasonable safeguards designed to protect information, but no electronic system can guarantee absolute security.

Our use of personal information is governed by our Privacy Policy.

19. CHANGES TO THESE TERMS

We may update these Terms periodically.

When updates are made, the revised Terms will be posted on the Site with an updated effective or “Last Updated” date.

Your continued use of the Site after revised Terms are posted constitutes acceptance of those Terms to the extent permitted by law.

20. GOVERNING LAW

These Terms will be governed by applicable United States law and the laws of the jurisdiction applicable to Marvellus Lucas / Your Guy Insurance and the particular transaction or service involved, without regard to conflict-of-law principles where permitted.

Nothing in these Terms limits rights that cannot legally be waived under applicable state or federal law.

21. CALIFORNIA USERS AND RESIDENTS

If you are a California resident and a complaint is not satisfactorily resolved, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at:

1625 North Market Blvd., Suite N 112

Sacramento, California 95834

Telephone:

(800) 952-5210

(916) 445-1254

22. SEVERABILITY

If any provision of these Terms is determined to be unlawful, void, or unenforceable, that provision will be treated as severable and will not affect the validity or enforceability of the remaining provisions.

23. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any other policies or disclosures posted on the Site, constitute the agreement governing your use of the Site and related services.

24. CONTACT US

For questions, complaints, or additional information regarding these Terms, please contact:

Marvellus Lucas

Your Guy Insurance

Website: www.yourguyinsurance.com

Phone: 1-415-707-3207

Email: [email protected]

By using www.yourguyinsurance.com, you acknowledge that you have read and agree to these Terms & Conditions.