Please read these terms carefully before using our website and services
Effective Date: December 29, 2024
Welcome to LSM Financial. These Terms of Service ("Terms") govern your access to and use of our website lsm-financial.com (the "Site") and any services, features, content, or applications we offer (collectively, the "Services").
By accessing or using our Site and Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Site or Services.
Important Notice
These Terms contain provisions that limit our liability and require you to resolve disputes through arbitration on an individual basis. Please read them carefully.
By accessing, browsing, or using our Site and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. You also agree to comply with all local laws regarding online conduct and acceptable content.
If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
LSM Financial is an insurance agency that provides the following services:
Note: We act as an independent insurance agent and work with multiple insurance carriers. We do not underwrite policies; insurance carriers are responsible for underwriting decisions and policy issuance.
You must be at least 18 years of age to use our Services. By using our Site and Services, you represent and warrant that:
While browsing our Site does not require registration, accessing certain Services may require you to provide personal information or create an account. You agree to:
Provide Accurate Information
Supply true, accurate, current, and complete information during registration and insurance applications.
Maintain Information
Update your information promptly if it changes to ensure accuracy.
Protect Your Account
Maintain the confidentiality of any login credentials and notify us immediately of any unauthorized use.
You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms.
You agree NOT to use the Site or Services to:
The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by LSM Financial, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any of the material on our Site without our prior written consent, except for your personal, non-commercial use.
Quotes provided through our Site are estimates only and are subject to change. Actual coverage and premiums are determined by the insurance carrier based on underwriting review. We do not guarantee that you will be approved for any insurance product.
You must provide complete, truthful, and accurate information on all insurance applications. Misrepresentation or omission of material facts may result in denial of claims or policy cancellation by the insurance carrier.
Insurance carriers make all underwriting, pricing, and coverage decisions. LSM Financial acts as an intermediary and does not control carrier decisions. We are not liable for carrier denials, delays, or coverage limitations.
By using our Services, you consent to receive communications from us, including:
You may opt out of marketing communications by following the unsubscribe instructions in our emails or by contacting us directly.
Our Site may contain links to third-party websites, insurance carrier sites, or other external resources. These links are provided for your convenience only. We do not endorse and are not responsible for:
Important Legal Notice
THE SITE AND SERVICES 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, TITLE, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, secure, or error-free, or that defects will be corrected. We make no warranties about the accuracy, reliability, completeness, or timeliness of the content, services, software, or graphics on the Site.
Liability Limits
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LSM FINANCIAL, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE OR SERVICES SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US IN THE PAST TWELVE MONTHS, WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You agree to defend, indemnify, and hold harmless LSM Financial, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site or Services.
These Terms and any dispute arising out of or related to them or the Site shall be governed by and construed in accordance with the laws of the State of California and the United States, without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration before a single arbitrator in accordance with the rules of the American Arbitration Association (AAA).
The arbitration will be conducted in California, or at another mutually agreeable location. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver
You agree to bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Any arbitration or court proceeding is limited to that particular dispute and may not be joined with any other claims or parties.
Either party may seek injunctive or other equitable relief in state or federal courts located in California to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.
We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will:
Your continued use of the Site and Services after changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the Site and Services.
We may terminate or suspend your access to the Site and Services immediately, without prior notice or liability, for any reason, including:
All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and LSM Financial regarding the Site and Services.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms to any affiliate or in connection with a merger, acquisition, or sale of all or substantially all of our assets.
We shall not be liable for any failure to perform our obligations where such failure results from causes beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
If you have any questions about these Terms, please contact us:
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Last Updated: December 29, 2024
Effective Date: December 29, 2024