Terms of Service (Terms & Conditions)

Last updated: July 25, 2025

By using our website or engaging with our services, you agree to these Terms. If you do not agree, please do not use our site or services.

1. Agreement to Terms

These Terms apply to your access to our website, mobile applications, or any platform where we make these terms available.

2. Acceptable Use Policy

You must not misuse our website or services, including by:

Violating laws, infringing on rights, posting harmful content, spamming, or impersonation.

Attempting unauthorized access, injecting malware, or disrupting service operations.

3. Account Termination & Suspension

We reserve the right to suspend or terminate access if you breach these Terms or misuse services. You may request cancellation or account deletion at any time.

4. Intellectual Property

All text, graphics, logos, and materials are owned by us or licensed to us. You may not copy, replicate, or distribute them without our written permission.

5. Pricing and Payment

Insurance premiums, fees, billing terms, and payment methods are governed by your policy agreement or invoice. We reserve the right to adjust pricing or refuse promotions at our discretion.

6. User Contributions

If you submit communications to us (e.g., feedback, testimonials), you grant us a perpetual, royalty-free license to use and adapt them in our marketing or promotional materials.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages, including loss of profits or data. Our total liability shall not exceed the fees you have paid us in the prior 12 months.

8. Privacy Policy

These Terms incorporate our Privacy Policy by reference. Please review it for details about data collection and rights.

9. Third‑Party Links

Our website may include links to third-party sites that we do not control. We are not responsible for their content or privacy practices.

10. Changes to Terms

We may update these Terms periodically. The update date at the top reflects the latest version. Continued use constitutes acceptance of the changes.

11. Governing Law & Dispute Resolution

These terms are governed by the laws of Virginia. Disputes shall be resolved in the appropriate courts in Petersburg, Virginia, unless otherwise agreed.

12. Contact Information

For questions or concerns:

Tabetha Campbell Thompson Agency, Inc.
314 Exchange Alley, Petersburg, VA 23803
Phone: 804-220-5144
Email: [email protected]