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.

By providing your mobile number and affirmatively opting in, you agree to receive conversational text messages from Michaelis Agency at the phone number provided.

• Message frequency: Message frequency varies based on your interactions with us, averaging approximately 1–2 messages per month.
• Message and data rates: Message and data rates may apply.
• Help: Reply HELP for assistance. You may also contact Michaelis Agency at 505-226-6408 or optout@michaelis.agency.
• Opt out: Reply STOP at any time to stop receiving SMS messages.
• Consent: Consent to receive SMS messages is not a condition of purchase.
• Privacy: Mobile information and SMS consent will be handled according to our Privacy Policy and will not be shared with third parties or affiliates for marketing or promotional purposes.

• 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.