These Terms of Use (the “Terms”) govern your access to and use of the website operated by Oak Hill Insurance (“Oak Hill,” “we,” “us,” or “our”) and any related services, content, or tools (collectively, the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Who We Are
Oak Hill Insurance is a licensed insurance agency. We are not an insurance carrier and we do not underwrite or issue insurance policies. We work with insurance carriers and other partners to help you compare and enroll in insurance products. Any coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy issued by the carrier.
Oak Hill Insurance is not a government agency, not the federal Health Insurance Marketplace, and not a law or tax firm.
2. Eligibility and Use of the Site
You may use the Site only if you are at least 18 years old and legally able to enter into contracts in your jurisdiction. You agree to use the Site only for lawful purposes and in accordance with these Terms.
You agree you will not:
- Use the Site in any way that violates any applicable law or regulation;
- Attempt to gain unauthorized access to the Site or related systems;
- Interfere with or disrupt the operation of the Site;
- Use any automated means (scraping, bots, etc.) without our prior written consent.
3. No Professional, Legal, Tax, or Medical Advice
Information on the Site is for general informational and marketing purposes only. It is not intended as legal, tax, financial, or medical advice, and it should not be relied on as such. You should consult your own attorney, tax advisor, financial professional, or healthcare provider for advice specific to your situation.
4. Quotes, Descriptions, and Availability
Any quotes, plan comparisons, or descriptions provided via the Site or by our agents are based on information you supply and on data we receive from carriers and other third parties. All such information is subject to change and may not be complete or up to date. Final eligibility, premiums, benefits, and network participation are determined solely by the issuing carrier and applicable law.
We do not guarantee that you will be approved for coverage, that any particular rate or benefit will be available, or that any plan is the “best” or “lowest cost” plan for you. You are responsible for reviewing all policy documents before enrolling or making any purchase decision.
5. Your Submissions and Accuracy of Information
When you submit information through the Site (including via the quote form, chat, text, or phone), you represent and warrant that all information is true, accurate, and complete to the best of your knowledge. Providing false or incomplete information can affect your eligibility for coverage and the accuracy of any quotes.
6. Consent to Contact; TCPA Notice
By checking the consent box on our forms, you agree that Oak Hill Insurance may contact you using the phone number you provide, including with marketing calls and texts, which may be sent or made using an automatic telephone dialing system and/or prerecorded/artificial voice. You understand that:
- Consent is not required to get a quote or buy any product;
- Message and data rates may apply;
- Message frequency varies;
- You can revoke consent at any time by replying STOP to a text message or by contacting us.
We maintain records of your consent (including time, IP address, user agent, and form version) to document your preferences and comply with applicable law.
7. Call Recording and Monitoring
Calls with Oak Hill Insurance may be monitored and/or recorded for quality, training, and compliance purposes. By communicating with us by phone, you consent to these recordings where permitted by law.
8. Privacy
Our collection, use, and sharing of personal information through the Site is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you acknowledge that you have read and understand our Privacy Policy.
9. Intellectual Property
The Site and its content (including text, graphics, logos, icons, and design) are owned by or licensed to Oak Hill Insurance and are protected by copyright, trademark, and other laws. You may use the Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works based on the Site or its content without our prior written consent.
10. Third-Party Links and Services
The Site may contain links to third-party websites or services that we do not own or control. We are not responsible for the content, privacy practices, or security of those third-party sites. Your use of third-party sites is at your own risk and subject to their terms and policies.
11. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any defects will be corrected.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL OAK HILL INSURANCE OR ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS OR REVENUE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT ANY LIABILITY IS FOUND NOT TO BE EXCLUDABLE, OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).
13. Indemnification
You agree to indemnify, defend, and hold harmless Oak Hill Insurance and its owners, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any rights of another person or entity.
14. Changes to the Site and These Terms
We may update, modify, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time. When we do, we will change the “Effective date” at the top of this page. Your continued use of the Site after any changes means you accept the updated Terms.
15. Governing Law and Dispute Resolution
These Terms and your use of the Site are governed by the laws of the State of Florida, without giving effect to any choice-of-law or conflict-of-law rules. Any disputes arising out of or relating to these Terms or the Site will be resolved in the state or federal courts located in Florida, and you consent to the jurisdiction of those courts.
16. Contact Us
If you have questions about these Terms, you can contact us at:
Oak Hill Insurance
Phone: 888-377-2554
Email: info@oakhill.co