Legal
Terms & Conditions
Effective Date: January 1, 2026
By accessing or using the website of Clay Anders Insurance Services Inc., you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using this website.
1Website Purpose
This website is intended solely for informational and business purposes related to insurance products and services offered by Clay Anders Insurance Services Inc. Nothing on this website constitutes legal, financial, or professional advice.
2No Guarantee of Insurance Coverage
Information on this website does not constitute a binding agreement or guarantee of insurance coverage. Insurance policies remain subject to:
- Underwriting approval by the respective carrier
- Carrier eligibility requirements and guidelines
- Policy exclusions, conditions, and limitations
- Applicable state and federal insurance laws
- Payment of applicable premiums
3User Conduct
By using this website, users agree to:
- Provide accurate, truthful, and complete information
- Not misuse or abuse website functionality
- Not interfere with or circumvent security systems
- Not engage in fraudulent, deceptive, or harmful activity
- Not attempt unauthorized access to any portion of the website or its systems
4Intellectual Property Rights
All content on this website, including but not limited to:
- Logos and brand marks
- Text and written content
- Images and photography
- Branding and visual identity
- Graphics and design elements
- Website structure and layout
...are the exclusive property of Clay Anders Insurance Services Inc. and may not be copied, reproduced, distributed, or used without express written permission.
5Limitation of Liability
To the maximum extent permitted by applicable law, Clay Anders Insurance Services Inc. shall not be liable for:
- Indirect, incidental, or consequential damages
- Business interruption or loss of revenue
- Data loss or corruption
- Financial damages of any kind
- Website downtime or service interruptions
- Inaccuracies, errors, or omissions in content
6Third-Party Content
Our website may contain links to external websites or third-party services. Clay Anders Insurance Services Inc. is not responsible for the content, accuracy, privacy practices, or policies of any third-party websites. The inclusion of any link does not constitute an endorsement.
7Privacy Policy
Use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our data collection and use practices.
8Modifications to Terms
We reserve the right to update, modify, or replace these Terms and Conditions at any time without prior notice. Changes are effective immediately upon posting. Your continued use of the website following any changes constitutes your acceptance of the updated Terms.
9Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Caldwell County, North Carolina.