Terms of Service

Agreement to Terms

By accessing or using the Insurance Wheat Ridge website and services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you may not use our services.

Services Provided

Insurance Wheat Ridge, operated by Jubal Terry (License #653703), provides insurance agency services including quotes, policy recommendations, application assistance, and ongoing customer support for various insurance products including auto, home, life, business, renters, and condo insurance.

No Guarantee of Coverage

Quotes provided are estimates and not guarantees of coverage. Final policy terms, pricing, and approval are determined by insurance carriers based on their underwriting guidelines. We do not guarantee that you will qualify for any specific policy or rate.

Accuracy of Information

You agree to provide accurate, current, and complete information when requesting quotes or applying for insurance. Providing false or misleading information may result in:

• Denial of coverage
• Policy cancellation
• Claim denial
• Legal consequences

Agency Relationship

Insurance Wheat Ridge acts as an insurance agent representing various insurance carriers. We are compensated through commissions paid by insurance carriers. Our role is to help you find appropriate coverage, but we do not make the final underwriting or claims decisions.

Website Use

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Collect user information without consent
• Interfere with website functionality
• Use automated systems to access our website without permission

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Insurance Wheat Ridge, Farmers Insurance, or their content suppliers and is protected by copyright and other intellectual property laws.

Limitation of Liability

To the fullest extent permitted by law, Insurance Wheat Ridge and its agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Insurance Wheat Ridge, its agents, and affiliates from any claims, losses, damages, or expenses arising from your use of our services or violation of these terms.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service are governed by the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Jefferson County, Colorado.

Contact Information

For questions about these Terms of Service, please contact: