DL Williams insurance
Terms and conditions
Welcome to www.406insurancenerds.com (the "Website"), owned and operated by D L Williams Insurance Inc, doing business as "Insurance Nerds at D.L. Williams" ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of the Website, including any content, functionality, and services offered on or through it. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
1. Eligibility
You must be at least 18 years old to use this Website. By using the Website, you represent and warrant that you meet this requirement.
2. Changes to These Terms
We may revise these Terms at any time by updating this page. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
3. Use of the Website
You agree to use the Website only for lawful purposes. You may not: (a) use the Website in any way that violates applicable federal, state, or local law; (b) attempt to gain unauthorized access to any portion of the Website or its related systems; (c) use any automated means (bots, scrapers, etc.) to access the Website without our prior written consent; or (d) transmit any viruses, malware, or other harmful code.
4. No Insurance Advice; Not a Binder of Coverage
The information on this Website is provided for general informational purposes only and does not constitute insurance, legal, financial, or professional advice. Submitting an inquiry, quote request, or contact form does not create an insurance policy, application, or binder of coverage. Coverage is only bound when confirmed in writing by a licensed agent of D L Williams Insurance Inc. Insurance products described on this Website may not be available in all states; we are licensed to transact insurance business in Montana, Idaho, Washington, Oregon, Utah, Colorado, and Arizona. All quotes are subject to underwriting approval, and actual coverage terms are governed solely by the applicable insurance policy.
5. Intellectual Property
All content on the Website — including text, graphics, logos, images, and software — is the property of D L Williams Insurance Inc or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Website without our prior written permission.
6. User Submissions and Communications
Any information you submit through the Website (including via contact forms, quote requests, or reviews) may be used by us to respond to your inquiry, provide requested services, and improve our offerings, consistent with our Privacy Policy. You represent that any information you submit is accurate and that you have the right to provide it.
7. Third-Party Links
The Website may contain links to third-party websites (including carrier or partner sites) that are not owned or controlled by us. We are not responsible for the content, privacy practices, or terms of any third-party site, and inclusion of a link does not imply endorsement.
8. SMS / Text Messaging Terms and Conditions
By providing your phone number and opting in through our website form, you consent to receive text messages from D L Williams Insurance Inc, at the mobile number provided. This consent is not a condition of purchasing any product or service.
Program Description
Our text messaging program may be used to send: marketing messages such as promotions, offers, and company news; and account/service-related messages such as quote follow-ups, policy renewal reminders, appointment reminders, and claims status updates.
Message Frequency
Message frequency varies based on your interactions with us and the services you request (for example, up to 4-8 messages per month). Frequency may vary.
Message and Data Rates
Message and data rates may apply, depending on your mobile carrier and plan. Standard messaging fees from your wireless carrier apply.
How to Opt Out
You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send "STOP," we will send you a message confirming that you have been unsubscribed. You will no longer receive text messages from us unless you opt in again.
Help
For help at any time, reply HELP to any message, or contact us directly at (406) 721-0336 or swelch@dlwilliamsinsurance.com.
Changes to the Program
We reserve the right to change or cancel the SMS program, or any of its features, at any time without prior notice, including your ability to opt in or opt out of the program.
Privacy
Your phone number and consent will not be shared with third parties or affiliates for marketing purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except as necessary to provide the texting service itself (e.g., our SMS platform provider). For more information about how we handle your data, see our Privacy Policy.
9. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, D L WILLIAMS INSURANCE INC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR THE SMS PROGRAM, INCLUDING BUT NOT LIMITED TO DELAYED OR UNDELIVERED TEXT MESSAGES.
11. Indemnification
You agree to indemnify and hold harmless D L Williams Insurance Inc, its officers, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your use of the Website or violation of these Terms.
12. Governing Law
These Terms are governed by the laws of the State of Montana, without regard to its conflict-of-laws principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Montana.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
14. Contact Us
If you have questions about these Terms or the SMS program, contact us at:
D L Williams Insurance Inc / Insurance Nerds at D.L. Williams
2505 S Russell St #220, Missoula, MT 59801
Phone: (406) 721-0336
Email:
swelch@dlwilliamsinsurance.com