Terms & Conditions

Brian Woods Insurance Agency
Effective Date: Jan 1st, 2026

SMS Messaging Terms & Compliance

1. Program Description: This messaging program sends appointment confirmations, quote follow-ups, policy reminders, customer support updates, referral communications, and promotional messages to customers who interact with Brian Woods Insurance Agency through our website, quote forms, referral forms, or other communication channels and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with dedicated consent checkboxes for transactional and/or marketing SMS communications. Messages may include quote confirmations, appointment reminders, service notifications, policy-related communications, referral updates, and promotional offers.

2. Cancellation Instructions: You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us unless you opt in again. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

3. Support Information: If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or contact us directly at +1 513-341-4907 or +1 513-586-7070 during business hours. You may also reach us through our website contact forms.

4. Carrier Liability: Carriers are not liable for delayed or undelivered messages.

5. Message & Data Rates: Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies depending on your interactions with our agency, requested services, and communication preferences. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers: Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

7. Age Restriction: You must be 18 years or older to participate in our SMS program.

8. Privacy Policy: For privacy-related inquiries, please refer to our Privacy Policy on our website.

We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), CTIA guidelines, and applicable insurance communication regulations regarding the use of SMS communications.

General Terms

This website (the "Site") is owned and operated by Brian Woods Insurance Agency, legally operating as Woods Insurance Agency LLC DBA Brian Woods Agency ("COMPANY," "we," "us," or "our"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to insurance products and services available through Brian Woods Insurance Agency.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to modify these Terms of Service at any time. Updated terms will be posted on our website, and continued use of the Site constitutes acceptance of any changes.

Insurance Services Disclaimer

Brian Woods Insurance Agency provides insurance information, policy guidance, quote assistance, and related services for auto, home, life, and specialty insurance products. Coverage availability, pricing, underwriting, and eligibility are subject to insurance carrier terms, underwriting approval, state regulations, and policy-specific conditions.

Quotes provided through our Site or representatives are estimates only and do not guarantee coverage, rates, or policy issuance. Final terms are determined by insurance carriers and applicable legal requirements.

We do not guarantee specific coverage outcomes, policy approvals, or premium rates.

Intellectual Property Rights

Our Limited License to You

This Site and all materials available on the Site, including text, graphics, logos, forms, branding, service descriptions, and digital content, are the property of Brian Woods Insurance Agency and/or our licensors and are protected by copyright, trademark, and intellectual property laws.

You may use the Site solely for personal, lawful, and non-commercial purposes related to learning about or obtaining our services.

Unless explicitly authorized, you may not copy, reproduce, distribute, modify, republish, upload, transmit, sell, or exploit any material from the Site without prior written consent.

Your License to Us

By submitting forms, testimonials, reviews, referrals, or other materials through our Site or communication channels, you represent that you own or have permission to share such materials and grant us a royalty-free, perpetual, irrevocable, worldwide, non-exclusive license to use, reproduce, modify, distribute, and display such materials for business, marketing, and operational purposes.

Disclaimers

Throughout the Site, we may provide links to third-party websites, insurance carriers, or external service providers. These links do not constitute endorsement, and we are not responsible for third-party content, services, or privacy practices.

The information and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

You agree to indemnify and hold harmless Brian Woods Insurance Agency, its affiliates, officers, employees, agents, and partners from any claims, liabilities, damages, costs, or expenses arising from your use of the Site, violation of these Terms, or misuse of services.

Online Commerce & Third-Party Services

Certain products or services may involve third-party insurance carriers, payment processors, or partner vendors. We are not responsible for the quality, accuracy, timeliness, or fulfillment of third-party services beyond our direct control.

Any dealings, purchases, or agreements with third parties are solely between you and the third party.

Registration & User Responsibilities

To access certain Site features, request quotes, or book consultations, you may need to provide personal information. You agree that all information submitted is accurate, current, and complete.

You are responsible for maintaining the confidentiality of any account credentials and for activities conducted under your account. If you suspect unauthorized access, notify us immediately.

Referral Program Terms

Referral incentives, including gift cards or rewards, may be subject to eligibility requirements, verification, program limitations, and change without notice. Fraudulent, misleading, or abusive referral activity may result in disqualification.

Termination

We reserve the right to suspend or terminate your access to the Site or services, without notice, if we determine that you have violated these Terms, provided false information, engaged in unlawful conduct, or otherwise misused our services.

Upon termination, your right to use the Site and services immediately ceases.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Ohio. Any disputes arising under these Terms shall be resolved in accordance with applicable Ohio law and jurisdiction.

Changes to Terms of Service

We may update these Terms of Service periodically. The latest version will always be available on our website with the effective date.

For any questions regarding these Terms of Service, please contact us at:

Brian Woods Insurance Agency
Woods Insurance Agency LLC DBA Brian Woods Agency
Phone: +1 513-341-4907
SMS Support: +1 513-586-7070
Address: 6660 Dixie Hwy, Fairfield, OH 45014
Website: Brian Woods Insurance Agency website

By using our website and services, you consent to these Terms of Service.