These Terms & Conditions apply to your use of familybasedinsurance.com and communications with Family Based Agency. By using the website or submitting a request, you agree to use the site lawfully and provide information that is accurate to the best of your knowledge.
About Family Based Agency
Family Based Agency is an independent insurance agency.
Phone: 205-756-7100
Email: Rickyh@familybasedagency.com
Website: familybasedinsurance.com
Insurance availability, eligibility, underwriting, pricing, payment requirements, coverage terms, and policy issuance are determined by the applicable insurance carrier and other authorized parties involved in the transaction.
Quotes, Applications, Coverage & Service Requests
Information submitted through this website is a request for a quote, information, or service unless Family Based Agency or the applicable insurance carrier expressly confirms otherwise. Website submissions, emails, text messages, uploaded documents, voicemail, or other electronic communications do not by themselves bind, issue, reinstate, cancel, add, remove, or modify insurance coverage.
Coverage changes are effective only when confirmed through an authorized agency or carrier process. Do not rely on a website submission or text message as proof that coverage has been bound or changed.
SMS Terms
When you separately and affirmatively consent to receive SMS messages from Family Based Agency, we may send text messages relating to the communications you consented to receive. These may include:
- Quote requests and quote follow-up.
- Insurance application or status updates.
- Policy and service communications.
- Billing or payment reminders.
- Renewal or cancellation-related notifications.
- Customer-service conversations.
- Other SMS communications you have specifically requested or consented to receive from Family Based Agency.
Consent to receive SMS messages is not a condition of purchasing insurance. Opting out of SMS does not necessarily stop non-SMS communications, policy notices, billing notices, or other service communications that Family Based Agency or an insurance carrier may send through other channels where permitted or required.
SMS delivery depends on mobile-network and communications-provider availability and is not guaranteed.
Do not use text messaging as the sole method to bind, change, cancel, reinstate, or otherwise modify insurance coverage. A text message does not make a requested coverage action effective unless and until the change is confirmed through an authorized agency or carrier process.
Our handling of mobile information and SMS consent is described in our Privacy Policy. Mobile information will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes, and SMS opt-in data and consent will not be shared with third parties or affiliates for marketing or promotional purposes.
Website & Electronic Communications
We work to keep the website available and accurate, but website content is general information and may not reflect every carrier rule, jurisdictional requirement, product limitation, or current policy term. Electronic delivery may be delayed, interrupted, filtered, or unavailable. Contact the agency when a matter is time-sensitive.
Third-Party Services & Insurance Carriers
The website may interact with services supplied by insurance carriers and other providers. Those services may have their own terms, privacy practices, availability, and technical requirements. Family Based Agency does not control every third-party system or network.
Changes to These Terms
We may update these Terms & Conditions from time to time. The current version will remain available on this page with a revised "Last updated" date.
