Effective Date: 07/27/25

Welcome to Kirby Insurance LLC. By accessing or using our website, services, or products, including life insurance quotes and policies, you agree to the following terms and conditions:

1. Use of Information

All information provided on our website and through our services is for general informational purposes only and does not constitute financial, legal, or professional advice. We recommend consulting with a qualified advisor before making insurance decisions

2. No Obligation

Receiving a quote or information from us does not create an obligation to purchase any insurance product. Policy issuance is subject to underwriting approval and meeting all eligibility criteria.

3. Accuracy of Information

You agree to provide accurate and truthful information during the quote and application process. Failure to disclose relevant information may result in denial of coverage or cancellation of a policy.

4. Privacy

Your privacy is important to us. We collect and use your information according to our Privacy Policy, which is incorporated by reference and available on our website.

5. Intellectual Property

All content on our website, including text, images, logos, and trademarks, are the property of [Your Company Name] or its licensors and are protected by copyright and trademark laws.

6. Limitation of Liability

We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our services or reliance on the information provided.

7. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of our services after changes constitute your acceptance of the updated terms.

8. Governing Law

These terms are governed by the laws of Georgia, Florida, Alabama, South Carloina, North Carolina, Texas, Virginia, Ohio, Tennessee, Kentucky, and Indiana, USA. Any disputes will be subject to the exclusive jurisdiction of the state courts.