Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of parsinsuranceagency.com (the “Website”) and the text messaging program operated by Precise & Affordable Risk Services LLC (“PARS,” “we,” “us,” or “our”). By using the Website or opting in to our text messages, you agree to these Terms and to our Privacy Policy.

1. Use of the Website

You may use the Website only for lawful purposes and in accordance with these Terms. You agree to provide accurate, current, and complete information in any form you submit, and not to misuse the Website, interfere with its operation, or attempt to access it in an unauthorized way.

2. Quotes & coverage

Information on the Website is for general informational purposes and describes coverages in summary form only. Submitting a quote request does not bind, create, or change any insurance coverage. Coverage is subject to underwriting approval by the insurance carrier and exists only when a policy has been bound and confirmed in writing. The actual terms, conditions, limits, and exclusions are those stated in the policy issued by the carrier. Quotes are based on the information you provide, and inaccurate or incomplete information may affect pricing, eligibility, or claims.

3. SMS program terms

Program description

By opting in to our text messaging program (for example, by checking the SMS consent box on a quote or contact form), you agree to receive text messages from Precise & Affordable Risk Services LLC at the mobile number you provided. Messages may include information about insurance quotes, policy updates, account notifications, payment and renewal reminders, and customer support. Consent to receive text messages is not a condition of receiving a quote or purchasing any product or service.

Supported carriers & delivery

Our program is supported by major U.S. wireless carriers. Mobile carriers are not liable for delayed or undelivered messages. Delivery depends on your wireless provider and device.

Your number

You confirm that you are the account holder or authorized user of the mobile number you provide. If you change or give up that number, please text STOP from it or contact us so we can update our records.

Privacy

Your mobile information is handled according to our Privacy Policy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

Privacy Policy: https://parsinsuranceagency.com/pages/privacy-policy
Terms & Conditions: https://parsinsuranceagency.com/pages/terms-and-conditions

4. Intellectual property

The Website and its content, including text, graphics, logos, and design, are owned by or licensed to Precise & Affordable Risk Services LLC and are protected by applicable intellectual property laws. You may not copy, reproduce, or distribute Website content without our written permission.

5. Disclaimers

The Website is provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free of harmful components. Links to third-party websites are provided for convenience; we are not responsible for their content or practices.

6. Limitation of liability

To the fullest extent permitted by law, Precise & Affordable Risk Services LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website or our text messaging program. Nothing in these Terms limits any rights you have under your insurance policy or under applicable insurance law.

7. Governing law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Travis County, Texas, unless applicable law requires otherwise.

8. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date above shows when they were last revised. Continued use of the Website or our text messaging program after changes are posted means you accept the updated Terms.

9. Contact us