Our Terms and Conditions.

Important information for your use of our website.

Welcome to Black & Ramer Insurance, LLC (“Company”, “we”, “us”, or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website located at blackramerins.com including any content, functionality, and services offered through the Website.

By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Website.

1. Use of the Website

• You agree to use this Website for lawful purposes only.
• You must be at least 18 years old or have parental/guardian supervision to use this Website.
• You may not use the Website to distribute unsolicited or unauthorized advertising, spam, or other forms of solicitation.

2. Insurance Information

• Any insurance product descriptions provided on this Website are for informational purposes only.
• Coverage is subject to underwriting approval and policy terms and conditions. Contact us directly to obtain detailed information specific to your policy or quote.

3. Quotes and Coverage

• Submitting information through the Website does not constitute a binding agreement or policy. All applications are subject to review and underwriting by our carriers.
• Quoted rates are estimates and may change based on additional information and eligibility requirements.

4. Privacy

• Your use of this Website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.

5. Intellectual Property

• All content on this Website, including text, graphics, logos, and images, is the property of Black & Ramer Insurance, LLC and protected by copyright and trademark laws.
• You may not reproduce, distribute, modify, or publicly display any content from this Website without our written consent.

6. Third-Party Links

• Our Website may contain links to third-party websites. These links are provided for your convenience only, and we do not endorse or assume any responsibility for the content or practices of those sites.

7. Disclaimers

• This Website and its contents are provided “as is” and without warranties of any kind, either express or implied.
• We do not guarantee that the Website will be available at all times or free from errors, viruses, or other harmful components.

8. Limitation of Liability

• Black & Ramer Insurance, LLC will not be liable for any damages arising out of or in connection with your use of this Website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

9. Changes to Terms

• We may update these Terms at any time. Continued use of the Website following the posting of changes constitutes acceptance of those changes.

10. Governing Law

• These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law principles.

11. Contact Information

• If you have any questions about these Terms, please contact us at:
• Black & Ramer Insurance, LLC • 528 W North St, Kendallville, IN, 46755
• 260-347-8979

12. Messaging Disclosures

• Brand Name/DBA: Black & Ramer Insurance, LLC.
• Types of messages the consumer can expect to receive: Service updates, appointment reminders, policy notifications, promotional offers, and customer service responses.
• Message frequency disclosure: Message frequency will vary depending on user interaction and subscription preferences.
• “Message and data rates may apply” disclosure: Standard message and data rates may apply based on your mobile carrier plan.
• Customer care contact information: Text HELP for help or contact us at [email address] for support.
• Opt-out information: Text STOP to cancel further messaging from our agency.

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