Terms & Conditions

Please read these Terms and Conditions (“Terms”) carefully before using the website operated by YATES INSURANCE AGENCY, INC. (“Company,” “we,” “our,” or “us”). By accessing or using our website, requesting a quote, or engaging with our insurance services, you agree to be bound by these Terms. If you do not agree to these Terms, please discontinue use of our website and services immediately.

1. Acceptance of Terms

By accessing this website, you represent that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. Your continued use of this website constitutes your ongoing acceptance of these Terms and any modifications thereto. We reserve the right to update these Terms at any time without prior notice, and your continued use following any modification constitutes acceptance of the revised Terms.

2. Website Usage Rules

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. Specifically, you agree not to:

• Use the website for any unlawful purpose or in violation of any applicable federal, state, or local regulations.
• Attempt to gain unauthorized access to any portion of the website or its related systems.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Introduce any viruses, malware, or other harmful code.
• Use automated tools to scrape, harvest, or extract data from the website without express written permission.
• Impersonate any person or entity or falsely represent your affiliation with any person or entity.
• Interfere with or disrupt the integrity or performance of the website.

3. Prohibited Activities

The following activities are strictly prohibited in connection with your use of this website and our services:

• Submitting false, misleading, or fraudulent information in connection with any insurance quote request or application.
• Attempting to obtain insurance coverage based on misrepresentation of material facts.
• Using our services to facilitate insurance fraud or any other illegal activity.
• Reproducing, distributing, or commercially exploiting any content from this website without prior written consent.
• Reverse engineering, decompiling, or disassembling any software or proprietary technology used on this website.

4. Insurance Quote Disclaimers

All insurance quotes provided through this website or by our agents are estimates based on the information you provide and are subject to change. A quote is not a binding offer of insurance coverage. Final premium amounts, coverage terms, and policy conditions are determined by the issuing insurance carrier following a complete underwriting review. Yates Insurance Agency, Inc. makes no representations or warranties regarding the accuracy of any quote estimate.

5. No Guarantee of Coverage

Submission of a quote request, completion of an application, or payment of a premium deposit does not guarantee that insurance coverage will be issued, continued, or renewed. Coverage is subject to the underwriting guidelines, terms, and conditions of the applicable insurance carrier. Yates Insurance Agency, Inc. does not guarantee acceptance by any carrier or the issuance of any policy.

6. Third-Party Carrier Relationships

Yates Insurance Agency, Inc. acts as an independent insurance broker and may place coverage with various licensed insurance carriers. We are not an employee, agent, or representative of any specific carrier. Each carrier is independently responsible for the coverage it provides under its policies. We do not assume liability for the financial condition, claims-paying ability, or conduct of any insurance carrier.

7. Intellectual Property Rights

All content on this website — including text, graphics, logos, images, audio clips, digital downloads, and software — is the property of YATES INSURANCE AGENCY, INC. or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from our website without our prior written consent, except for personal, non-commercial use.

8. Electronic Communication Consent

By using our website and submitting forms, you consent to receive communications from us electronically, including emails, text messages, and electronic notices. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. This consent applies to all communications related to your insurance inquiries, applications, and policies.

9. SMS and Email Communication Consent

By providing your phone number or email address, you expressly consent to receive SMS text messages and emails from Yates Insurance Agency, Inc. related to your insurance inquiries, policy status, renewals, and service updates. You may opt out of marketing communications at any time. Standard message and data rates may apply to SMS communications. We comply with the Telephone Consumer Protection Act (TCPA) and the CAN-SPAM Act in all electronic communications.

10. User Responsibilities

You are responsible for:

• Providing accurate, complete, and truthful information in all quote requests and insurance applications.
• Promptly notifying us of any changes to information relevant to your coverage.
• Reviewing all policy documents provided by your insurance carrier and notifying us of any discrepancies.
• Maintaining the confidentiality of any account credentials associated with our services.
• Ensuring that your use of our website and services complies with all applicable laws.

11. Service Availability

We strive to maintain continuous availability of our website and services, but we do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any aspect of our website or services at any time without notice or liability.

12. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, SERVICES, AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE SECURE, ERROR-FREE, OR AVAILABLE AT ANY TIME OR LOCATION.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YATES INSURANCE AGENCY, INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

14. Indemnification

You agree to indemnify, defend, and hold harmless Yates Insurance Agency, Inc. and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in connection with your use of this website, violation of these Terms, or violation of any rights of a third party.

15. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website shall first be addressed through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, the parties agree to submit to binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall be conducted in Atlanta, Georgia. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Fulton County, Georgia, and you consent to the personal jurisdiction of such courts.

17. External Links

Our website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those websites or their content. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any site you visit through links on our website.

18. Modification of Terms

We reserve the right to modify these Terms at any time at our sole discretion. Changes will be effective immediately upon posting to the website with an updated effective date. Your continued use of the website following any modification constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically for updates.

19. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving the original intent of the parties.

20. Contact Information

For questions about these Terms and Conditions, please contact us:

• Company: YATES INSURANCE AGENCY, INC.
• Address: 2800 Century Parkway NE, Suite 300, Atlanta, GA 30345, United States
• Email: presley@yatesinsuranceagencyinc.com
• Phone: 404-747-3925