Terms & Conditions

Welcome to our website. By accessing or using this website and purchasing products or services from us, you agree to be bound by these Terms & Conditions (“Terms”). Please read them carefully.

• You must be at least 18 years old or have parental/guardian consent to use this website.
• You agree not to use the website for unlawful purposes or in violation of any applicable laws.
• We reserve the right to suspend or terminate access if you violate these Terms.

• All descriptions, prices, and availability of products are subject to change without notice.
• While we strive for accuracy, we do not warrant that product descriptions, pricing, or availability are error-free.
• We reserve the right to refuse or cancel any order for any reason.

• By agreeing to bind an insurance policy, you agree to provide accurate billing and mailing information.
• Payments must be made through our approved payment processors.
• Orders may be canceled or refused if payment is not authorized, fraudulent, or violates these Terms.

• Michaelis Agency complies with the Telephone Consumer Protection Act (TCPA).
• By providing your phone number through our website, phone calls, or other means, you consent to receive calls and text messages from Michaelis Agency regarding your insurance inquiries, quotes, or policy updates.
• Messages are not sent using an automatic telephone dialing system or prerecorded voice.
• Message frequency varies. Message and data rates may apply.
• You can opt out at any time by replying STOP to text messages or by contacting us directly.
• Consent to receive messages or calls is not required to purchase insurance or receive a quote.

• Returns and pro-rated refunds are subject to our Return & Refund Policy.

• All content on this website (text, images, logos, graphics, etc.) is owned or licensed.
• You may not reproduce, distribute, or use website content without prior written consent.

• We are not liable for any indirect, incidental, or consequential damages arising from use of the website or products.
• Our liability is limited to the amount paid for the specific product or service.

You agree to indemnify and hold harmless the website owners, employees, and affiliates from any claims, damages, or expenses arising out of your use of the website or violation of these Terms.

These Terms are governed by applicable laws. Any disputes shall be resolved in the courts of the relevant jurisdiction.

We may update these Terms at any time. Continued use of the website after changes means you accept the updated Terms.