Terms & Conditions

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services. You may not use the Services in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

Our intellectual property: We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws, as well as various other intellectual property and unfair competition laws and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purposes only.

Your use of our Services: Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to: (a) Access the Services; and (b) Download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purposes.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: george@lieckinsurance.com. If we ever grant you permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice is visible on the posted, reproduced, or displayed Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload: By sending us Submissions through any part of the Services you: (a) confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading; (b) to the extent permissible by applicable law, waive any and all moral rights to any such Submission; (c) warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and (d) warrant and represent that your Submissions do not constitute confidential information.

You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.

By using the Services, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Legal Terms; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (4) you will not use the Services for any illegal or unauthorized purpose; and (5) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner that is contrary to applicable law and regulation.
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others.
• Use the Services to upload, transmit, or distribute any content that contains malware, viruses, or other harmful code.
• Engage in any unauthorized or illegal data scraping, harvesting, or mining.

We may from time to time provide functionality that allows users to post, upload, or transmit content. Any contributions you make are subject to the same restrictions and obligations described in these Legal Terms, including the Intellectual Property Rights and Prohibited Activities sections.

By posting or uploading any contribution to the Services, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, modify, publish, distribute, and display such contribution for any lawful purpose related to the Services.

The Services may contain links to third-party websites and content that are not owned or controlled by us. We assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party websites.

We reserve the right, in our sole discretion, to modify, suspend, or discontinue the Services (or any portion thereof) at any time. We may also impose limits on certain features of the Services or restrict access to parts or all of the Services without notice or liability.

We care about data privacy and security. Please review our Privacy Policy: http://www.lieckinsurance.com/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms by reference.

These Legal Terms shall remain in full force and effect while you use the Services. We may suspend or terminate your right to use the Services at any time, for any reason, without notice. Upon termination, all licenses and rights granted to you under these Legal Terms will immediately cease.

We reserve the right to change, modify, or update the Services at any time. We are not liable for any interruption, suspension, or discontinuance of the Services or any features thereof.

These Legal Terms are governed by and interpreted in accordance with the laws of the State of Texas, United States, without regard to its conflict of law principles. You submit to the exclusive jurisdiction of the courts located in Texas for any disputes arising out of or relating to these Legal Terms.

Any dispute arising out of or relating to these Legal Terms or the Services shall be resolved through binding arbitration in Texas, in accordance with the rules of the American Arbitration Association.

There may be information on the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any such errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THESE LEGAL TERMS OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify, defend, and hold harmless Lieck Insurance Agency, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, costs, expenses, or fees arising out of or relating to your breach of these Legal Terms or your use of the Services.

We maintain certain data that you voluntarily provide to us in connection with your use of the Services. We use this data as described in our Privacy Policy. You are responsible for ensuring that any data you provide is accurate and complete.

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

Terms of Service for SMS Communications

Information obtained as part of the SMS consent process will not be shared with third parties or affiliates. If you have consented to receive text messages from Lieck Insurance Agency, you may receive text messages related to insurance and financial services. We will update you regarding — Your quote, policy, appointment, billing, or other communication related to your business with Lieck Insurance Agency. Example: "Hi, this is Lieck Insurance Agency. Your quote is ready for review." Message and data rates may apply. Message frequency may vary. You can opt-out at any time by texting "STOP" For assistance, text "HELP" or visit our Privacy Policy.

Opt In, Opt Out, and Help

Thank you for opting into SMS messages from Lieck Insurance Agency. To opt out at any time reply STOP. Once you Opt-out no further messages will be sent. Text message data rates and fees may apply. Messaging frequency may vary. For Help, reply HELP.

Message and Data Rates

Please be aware that message and data rates may apply to any SMS messages sent or received. The rates are determined by your carrier and the specifics of your mobile plan. Messaging frequency may vary.

Support

If you have any questions or need assistance regarding our SMS communications, please email us at george@lieckinsurance.com or call at 830-208-7808. Visit https://lieckinsurance.com/privacy/ for privacy policy and https://lieckinsurance.com/terms-conditions/ for Terms of Service.

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

These Legal Terms and any policies or operating rules posted by us on the Services or in respect of the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at: