TERMS of SERVICE
Effective Date: November, 6th, 2025 Last Updated: November 6th, 2025
1. Acceptance of Terms
Welcome to The Misty Bryant Agency ("we," "us," or "our"). By accessing or using our website, https://mistybryantagency.com (the "Site"), you ("you" or "user") agree to be bound by these Terms of Service (the "Terms") and our Privacy Policy. If you do not agree to all of these Terms, please do not use this Site.
2. Description of Website Services
The Site provides general information about our insurance products and services, including property, casualty, and life insurance. It also provides tools to request insurance quotes, find our contact information, and learn about our agency. The information provided on this Site is for informational purposes only.
3. CRITICAL: No Insurance Advice or Binding Coverage
The most important thing for you to understand is that no insurance coverage is bound or changed by using this website.
No Professional Advice: The content on this Site, including articles, blog posts, and policy descriptions, is for general informational purposes only. It does not constitute professional insurance, financial, or legal advice. You must consult with a licensed professional before making any decisions.
Quotes are Estimates: Any insurance quote provided by this Site is a non-binding estimate. These quotes are based on the information you provide and are subject to change based on underwriting, verification, and other factors.
No Coverage is Bound: Submitting a quote request, an application, or any other form through this Site does not constitute a binder or an agreement to provide insurance. Insurance coverage is only effective when you receive an official, written confirmation (such as a policy binder or declarations page) from a licensed agent of The Misty Bryant Agency.
Do Not Use the Site for Claims: Do not use this Site, its contact forms, or email to report a claim. Claims must be reported directly to your insurance carrier using the procedures outlined in your policy.
4. User Responsibilities and Conduct
You agree to use the Site only for lawful purposes. You are responsible for the accuracy and completeness of any information you provide to us when requesting a quote or using our forms.
You agree not to:
- Use the Site in any way that violates federal, state, or local law.
- Provide any false, misleading, or fraudulent information.
- Use the Site to transmit any virus, malware, or other malicious code.
- Attempt to gain unauthorized access to our systems or data.
- Scrape, "data-mine," or otherwise collect information from our Site for commercial purposes.
5. Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of The Misty Bryant Agency or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or modify any content from this Site without our express written permission.
6. Third-Party Links
This Site may contain links to third-party websites, such as insurance carriers, payment portals, or other resources. These links are provided for your convenience only. We do not endorse or control these third-party sites and are not responsible for their content, privacy policies, or practices.
7. Disclaimer of Warranties
This Site and all its content are provided on an "AS IS" and "AS AVAILABLE" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the accuracy, completeness, or reliability of the information on it. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.
8. Limitation of Liability
To the fullest extent permitted by law, The Misty Bryant Agency, its owner, employees, and agents shall not be liable for any damages of any kind arising from the use of this Site or from any information, content, or services made available to you through the Site. This includes, but is not limited to, direct, indirect, incidental, punitive, and consequential damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless The Misty Bryant Agency and its owner, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Site or your violation of these Terms.
10. Changes to These Terms
We reserve the right to modify these Terms at any time. We will post the most current version of these Terms on the Site with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of these Terms or your use of the Site shall be instituted exclusively in the federal or state courts located in Pulaski County, Arkansas.
12. Contact Information
If you have any questions about these Terms of Service, please contact us at the information below.
