Terms of Service | LSM Insurance Agency

1. Introduction and Acceptance of Terms

Welcome to the website of LSM Insurance Agency, Inc ("Agency," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at https://www.lsm-agency.com/ (the "Site") and our services, including our AI-powered voice assistant.

By accessing or using our Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Site.

2. Eligibility

By using our Site, you represent and warrant that:

You are at least 18 years of age
You have the legal capacity to enter into a binding agreement
You will use the Site in compliance with all applicable laws and regulations

3. Insurance Services and Quotes

3.1 Information Only

The information provided on our Site is for general informational purposes only and does not constitute professional insurance, legal, or financial advice.

3.2 Quote Requests

When you request an insurance quote through our Site or AI assistant:

You agree to provide accurate, current, and complete information
A quote request does not constitute an application for insurance or a guarantee of coverage
Final insurance premiums and coverage are determined by the insurance carrier after a full underwriting process
We are not responsible for any inaccuracies in the information you provide

3.3 No Binding Authority

Requesting a quote or interacting with our AI assistant does not bind, change, or terminate insurance coverage. Coverage can only be bound by a licensed insurance agent after formal application and approval by an insurance carrier.

4. AI Voice Assistant Terms

4.1 Interaction with Artificial Intelligence

When you use our AI voice assistant, you are communicating with an artificial intelligence system, not a human agent. The AI assistant is designed to answer general questions and collect basic information for quote requests.

4.2 Limitations of AI Technology

You acknowledge and agree that:

AI technology has inherent limitations and may provide inaccurate or incomplete information
AI responses are generated by algorithms and should not be relied upon as professional advice
We are not responsible for any errors, omissions, or inaccuracies in AI-generated responses
You should verify all important information with a licensed insurance agent

4.3 Recording and Transcription

By using the AI voice assistant, you expressly consent to the recording and transcription of your conversation as described in our Privacy Policy. These recordings are used for quality assurance, training, and service improvement.

5. Intellectual Property Rights

5.1 Ownership

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by LSM Insurance Agency, Inc, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site for your personal, non-commercial use only.

5.3 Prohibited Uses

You must not:

Modify, copy, distribute, or create derivative works based on the Site's content
Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text
Delete or alter any copyright, trademark, or other proprietary rights notices
Access or use for any commercial purposes any part of the Site or any services or materials available through the Site

6. Prohibited Conduct

You agree not to use the Site:

In any way that violates any applicable federal, state, local, or international law or regulation
To transmit any advertising or promotional material, including "junk mail," "chain letter," "spam," or any other similar solicitation
To impersonate or attempt to impersonate LSM Insurance Agency, Inc, an employee, another user, or any other person or entity
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site
To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site or the server on which the Site is stored

7. Third-Party Links and Services

Our Site may contain links to third-party websites or services that are not owned or controlled by LSM Insurance Agency, Inc. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods, or services.

8. Disclaimer of Warranties

YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

NEITHER LSM INSURANCE AGENCY, INC NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE.

9. Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL LSM INSURANCE AGENCY, INC, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

10. Indemnification

You agree to defend, indemnify, and hold harmless LSM Insurance Agency, Inc, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

11. Governing Law and Jurisdiction

All matters relating to the Site and these Terms, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the internal laws of the State of Texas without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Texas, in each case located in Lubbock County.

12. Waiver and Severability

No waiver by LSM Insurance Agency, Inc of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

13. Changes to the Terms of Service

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

14. Contact Information

To ask questions or comment about these Terms of Service, contact us at:

LSM Insurance Agency, Inc
7204 Joilet Ave Lubbock, TX 79423
Email: saul@lsm-agency.com
Phone: 1-806-792-7098