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Terms of Service

Last Updated: June 1, 2026

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Welcome to Elye Insurance Agency ("Company," "we," "us," or "our"). By accessing or using our website and the services we provide (the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our site or Services.

1. Eligibility & Scope of Services

• Age Requirement: You must be at least 18 years old and a resident of the United States to use our site and Services.

• Brokerage Role: Elye Insurance Agency is a licensed insurance brokerage. We provide information, quotes, and facilitate the purchase of insurance policies from third-party insurance carriers. We do not underwrite insurance policies, assume insurance risk, or pay claims.

2. No Offer or Binding Coverage

• Information Only: The content, quotes, and information provided on this site are for informational purposes only and do not constitute an immediate offer of insurance or a binder of coverage.

• Carrier Approval: All applications for insurance are subject to underwriting approval by the respective insurance carrier. No insurance policy or coverage is active until the carrier explicitly confirms coverage and any required premium is paid.

3. Accuracy of User Information

To obtain accurate insurance quotes or policies, you agree to provide true, accurate, current, and complete information. Providing false, incomplete, or fraudulent information may result in the denial of claims, cancellation of policies, or legal action by the insurance carrier.

4. TCPA Consent & Communication (SMS/Email)

By providing your phone number and email address on this site, you expressly consent to receive communications from us, including but not limited to text messages, emails, and phone calls regarding your quotes, policies, and marketing materials.

• SMS Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any text message received.

• Standard Rates: Message and data rates may apply for any messages sent to you from us.

5. Third-Party Links and Carriers

Our site may contain links to third-party websites or information regarding third-party insurance carriers. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites or insurance products. Your interactions with these carriers are governed solely by their respective terms and policies.

6. Intellectual Property

All content, logos, graphics, text, and software on this site are the property of Elye Insurance Agency or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or modify any content without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, Elye Insurance Agency, its affiliates, officers, and employees shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the site, errors or omissions in the content, or the actions or omissions of third-party insurance carriers.

8. Indemnification

You agree to indemnify, defend, and hold harmless Elye Insurance Agency and its affiliates from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of the site or Services.

9. Governing Law

These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of the state in which Elye Insurance Agency holds its primary resident license, without regard to its conflict of law principles.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on the site. Your continued use of the site after changes are posted constitutes your acceptance of the revised Terms.