Last Updated: 2025
These Terms of Service (“Terms”) govern your use of the website, services, and content provided by Scotthorn Insurance / Scott Horn Insurance (“Company,” “we,” “us,” or “our”). By accessing or using our website, or purchasing services through us, you agree to these Terms.
1. Services & Scope
1.1 We provide information, consulting, insurance quotes and related services.
1.2 We do not guarantee acceptance of any insurance application or policy issuance — final decisions are subject to underwriter approval.
1.3 We reserve the right to refuse or cancel services at our discretion.
2. User Accounts & Access
2.1 To use certain features, you may need to create an account. You agree to provide accurate and current information.
2.2 You are responsible for safeguarding your login credentials.
2.3 You may not share or allow others to use your account.
2.4 We may suspend or terminate accounts for violation of these Terms.
3. Payments & Refunds
3.1 All payments must be made as specified at checkout or via invoice.
3.2 For recurring services (e.g. monthly retainers), you authorize us to charge your payment method on a recurring basis until cancellation.
3.3 Refund policy: specify conditions (e.g. pro rata refunds, no refund after X days).
3.4 You are responsible for any taxes, fees, or charges associated with payments.
4. Intellectual Property
4.1 All content, designs, text, trademarks, logos, and materials (“Content”) on our site and delivered services are owned or licensed by us.
4.2 You may not copy, reproduce, distribute, adapt, or create derivative works from our Content without our express written permission.
4.3 Any feedback or suggestions you provide become our property and you transfer all rights to us.
5. User Responsibilities & Prohibited Conduct
5.1 You agree not to use our services or site to:
- Violate any laws or regulations
- Transmit defamatory, obscene, harassing, or harmful content
- Disrupt or interfere with security or site functionality
- Use bots or automated scripts without permission
5.2 You are responsible for maintaining backup copies of any data you upload or share.
6. Disclaimers & Limitation of Liability
6.1 No warranty: Services and content are provided “as is,” without warranty of any kind, express or implied.
6.2 No guarantee of results: We do not guarantee you will gain clients, leads, or specific outcomes from using our services.
6.3 Limitation of liability: To the fullest extent permitted by law, our maximum liability to you is limited to the amount you have paid us in the last 12 months.
6.4 We are not liable for indirect, incidental, or consequential damages, lost profits, or data loss.
7. Indemnification
You agree to indemnify, defend, and hold harmless the Company, its officers, employees, and affiliates from any claims, liabilities, damages, losses, or expenses (including attorneys’ fees) arising from your use of our services, violation of these Terms, or infringing someone else’s rights.
8. Termination
8.1 We may suspend or terminate your access for breach of terms, inactivity, or other cause at our sole discretion.
8.2 Upon termination, your rights to access content or services end immediately.
8.3 Sections that should survive termination: Payment obligations, Intellectual Property, Disclaimers, Indemnification.
9. Governing Law & Dispute Resolution
9.1 These Terms are governed by the laws of [Your State / Country] (choose the proper jurisdiction).
9.2 Any dispute shall be resolved via arbitration in [Venue / City], or in courts of that jurisdiction (if arbitration is not enforceable).
9.3 In the event of conflict, the arbitration clause prevails.
10. Modifications to Terms
We reserve the right to modify or update these Terms at any time. We’ll post the date of last revision. Continued use after changes implies acceptance.
11. Severability & Waiver
If any provision of these Terms is invalid or unenforceable, that part will be limited or removed, but the rest remains in full effect.
Failure to enforce any right under these Terms doesn’t waive your or our right to enforce it later.
12. Contact Information
If you have questions about these Terms, contact us at:
Email: scotthorn@yahoo.com
Address: USA
Phone: +1(406)-399-0929