Terms of Service

Last updated: August 3, 2025

Welcome to YourTexasPolicy.com (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website and any related services we offer. By accessing or using YourTexasPolicy.com, you agree to these Terms. If you don’t agree, please don’t use our site.

1. Eligibility and Registration

  • Who can use our site: You must be at least 18 years old and a resident of the United States.
  • Creating an account: Some features (like saving quotes or managing policies) require registration. You agree to provide accurate, current information and keep your login details secure. You’re responsible for all activity under your account.

2. How You Can Use Our Content

  • Personal, non-commercial use: Feel free to browse articles, compare life-insurance options, and request quotes for yourself or your immediate family.
  • No republishing or redistribution: You may not copy, reproduce, or redistribute our content, including text, graphics, or logos, without our written permission.
  • Prohibited behavior: Don’t use our site to harass others, upload malicious code, scrape data, or engage in fraudulent activity.

3. Insurance Information and Advice

  • Educational purposes only: We provide general information about life-insurance products and how they work in Texas. This does not replace professional advice tailored to your situation.
  • No broker-client relationship: Using our site or requesting a quote does not create a broker-client or agent relationship. Final policy details, pricing, and underwriting decisions are made by the insurance carrier.
  • Carrier websites: We link to and work with licensed insurance carriers and agents. When you click through to a carrier’s site, you’re subject to their terms and privacy practices.
  • Affiliate disclosures: We may earn a commission if you purchase a policy through our referrals. This helps us keep content free and up to date.

5. Intellectual Property

  • Our rights: All site content—text, images, branding, and code—is owned by or licensed to us and protected by copyright, trademark, and other intellectual-property laws.
  • Your contributions: If you submit reviews, comments, or other user-generated content, you grant us a perpetual, royalty-free license to use, modify, and display it.

6. Disclaimers and Limitation of Liability

  • “As-is” basis: We strive for accuracy, but we can’t guarantee the completeness or suitability of any information.
  • No warranties: We disclaim all warranties, express or implied, including merchantability or fitness for a particular purpose.
  • Limitation of liability: To the fullest extent permitted by law, we’re not liable for any direct, indirect, incidental, or consequential damages arising from your use of our site or services.

7. Indemnification

You agree to defend, indemnify, and hold harmless YourTexasPolicy.com and its affiliates, officers, and employees from any claims, losses, or expenses (including attorneys’ fees) arising out of your violation of these Terms or your use of our site.

8. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute will be resolved in state or federal courts located in Travis County, Texas.

9. Changes to These Terms

We may update these Terms at any time. When we do, we’ll post the revised version here and update the “Last updated” date. Your continued use after changes means you accept the new Terms.

10. Contact Us

If you have questions about these Terms, please reach out:
Email: support@yourtexaspolicy.com
Address: 123 Lone Star Blvd., Houston, TX 78701

Thank you for choosing YourTexasPolicy.com. We’re here to help you navigate life insurance in Texas with confidence.