Terms of Service

1. About Us

Robert Young Agency ("Robert Young Agency", "we", "us", or "our") is an independent insurance agency licensed in the State of Texas (License #249810), operating at 5115 North Galloway Avenue, Mesquite, Texas 75150, United States. By using our website at robertyoungagency.com (the "Site") or engaging our services, you ("you" or "the Client") agree to these Terms of Service.

2. Use of the Website

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

• Use the site in any way that violates applicable local, state, or federal law or regulation
• Transmit any unsolicited or unauthorised advertising or promotional material
• Attempt to gain unauthorised access to any part of the site or its related systems
• Use the site to transmit any harmful, offensive, or fraudulent content
• Reproduce, duplicate, or resell any part of the site without express written permission

We reserve the right to restrict or terminate your access to the site at any time if we believe you are in breach of these terms.

3. Our Services

Robert Young Agency acts as an independent insurance agency. Our services include:

• Providing general insurance advice and information
• Comparing insurance products from multiple carriers on your behalf
• Facilitating the arrangement of insurance policies
• Providing support and guidance during the claims process

All information provided through this website is for general informational purposes only and does not constitute a binding insurance quote or guarantee of coverage. A formal quote will be provided following a consultation with one of our advisors.

4. No Obligation Quotes

Submitting a quote request through our website creates no obligation on your part to purchase any insurance product. Equally, receipt of a quote request does not obligate Robert Young Agency to provide coverage. All policies are subject to underwriting approval by the relevant insurer.

5. Accuracy of Information

We make every effort to ensure the information on this website is accurate and up to date. However, we make no warranties or representations — express or implied — regarding the completeness, accuracy, or suitability of any content on this site. Insurance products, terms, and availability are subject to change without notice.

You are responsible for ensuring that any information you provide to us during the quote or application process is accurate, complete, and not misleading. Providing false or incomplete information may invalidate a policy.

6. Limitation of Liability

To the fullest extent permitted by law, Robert Young Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of, or inability to use, this website
• Any errors or omissions in the content of this website
• Any decision made in reliance on information provided on this site
• Any unauthorised access to or use of our servers or personal data stored therein

Our total liability to you for any claim arising in connection with these terms or your use of the site shall not exceed the amount you have paid to us in the 12 months preceding the claim, or $100, whichever is greater.

7. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, and code — is the property of Robert Young Agency or its content suppliers and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content on this site without our prior written consent.

8. Third-Party Links

This website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those sites or their content. We have no control over and accept no responsibility for the content, privacy practices, or availability of any linked sites.

9. Cookies

Our website uses cookies to enhance your browsing experience. By continuing to use the site, you consent to our use of cookies in accordance with our Cookie Policy.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Travis County, Texas.

11. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the site with an updated "Last Updated" date. Your continued use of the site following any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

12. Contact Us

If you have any questions about these Terms of Service, please contact us:

• Email: hello@robertyoungagency.com
• Phone: +1 469-436-0013
• Address: 5115 North Galloway Avenue, Mesquite, Texas 75150, United States