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Terms Of Service
These terms govern use of The Southern Agency website, not the terms of an insurance policy, bond or separate service.
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Website purpose and permitted use
The Southern Agency, Inc. (“The Southern Agency,” “we”, or “us”) is an independent insurance agency. This website helps visitors learn about the agency, insurance, and bonds, find resources, and identify ways to get in touch. Use it only for lawful purposes consistent with these terms.
You may read, share links to, and print or download materials made available for that purpose for your personal or internal business reference. These terms address website use only; they do not replace an insurance policy, bond, application, carrier agreement, or separate portal’s terms.
Prohibited misuse
Do not attempt unauthorized access to the site or connected systems, interfere with their operation, introduce malicious code, evade access restrictions, or use automated requests that disrupt service. Do not use the site to deceive others, impersonate a person, or organization, infringe rights, or transmit unlawful material.
Do not misrepresent website content as an agency or insurer commitment, alter materials to give a misleading impression, or use agency branding to suggest an affiliation or endorsement that does not exist.
Content and intellectual property
Website text, artwork, photographs, diagrams, branding, and other materials can be protected by copyright, trademark, and other rights held by us or their respective owners. Except for the reference uses described above, uses permitted by law or permission from the rights holder, do not reproduce, adapt, redistribute, or commercially exploit those materials.
Keep applicable attribution and rights notices with permitted copies. Links and references to other organizations do not transfer rights in their names, logos or content. Nothing in these terms restricts uses or rights that cannot lawfully be restricted.
Availability and accuracy
Content, links and features can change or become unavailable. We do not promise uninterrupted access, that every page is current or complete, or that the website will be free of errors. Dates on articles describe those articles, not necessarily the current state of every product or legal requirement.
Use the website as a starting point, not the sole basis for an insurance or financial decision. Verify information relevant to your circumstances with a licensed agent or other appropriate professional. To report an error or broken link, contact The Southern Agency.
Insurance and service boundaries
Descriptions, examples, diagrams, calculators, and price indications are general information, not personalized advice, binding quotes, or coverage determinations. Availability, eligibility, underwriting, carrier acceptance, and the actual policy or bond terms control. Products and agency services are not necessarily available for every person, risk or jurisdiction.
Browsing, using a calculator or sending an inquiry does not itself bind, change, or cancel insurance, guarantee a bond, report a claim to an insurer, or complete a payment. Follow the applicable insurer’s or service provider’s procedures and obtain confirmation of the requested action. Read the Legal Disclaimer for further insurance-information limits and Licensing Information for the agency’s listed licensing identifiers.
Submitting the Contact form forwards an inquiry to our intake system. Preparing an inquiry or checking fields alone does not send it. Keep the page open until receipt is confirmed; an unconfirmed outcome is not a promise of later delivery or an automatic retry. Confirmation acknowledges receipt of an inquiry only, not completion of an insurance service or a response by a particular time. Use the telephone or email alternatives when needed; do not rely on the form for urgent coverage, claim or payment instructions.
Using site search and interactive resources
Search and interactive resources help you explore website information. Results and calculations can be incomplete or based on assumptions that do not fit your circumstances. Do not enter confidential information into search; search terms appear in the address and can enter browser or server history.
The Privacy Policy’s information section and the rest of that policy explain website information handling. These terms do not add marketing, text-message, or data-processing consent.
External websites and services
Links and embedded resources can connect you to services operated by others, including quote, payment, client, carrier and bond portals, maps and social networks. Their terms, privacy policies, availability, and procedures apply to their services. A link alone is not a guarantee of their content, security, products, or performance.
Any application, purchase, payment, or other transaction through a separate service must be completed and confirmed through that service’s applicable process. These website-use terms do not create payment or refund obligations or change any separate contract.
Website warranties and liability limits
To the extent permitted by applicable law, the website and its general information are provided “as is” and “as available,” without warranties of accuracy, completeness, uninterrupted availability, or fitness for a particular purpose. These website limitations do not alter promises, duties or remedies in an actual policy, bond or other applicable contract.
To the extent permitted by applicable law, The Southern Agency is not responsible for losses caused by reliance on general website information instead of obtaining advice and confirmation appropriate to your circumstances, or by interruptions or errors in website access. Nothing in these terms excludes or limits liability, statutory protections, or remedies that cannot lawfully be excluded or limited, or excuses obligations imposed by applicable law.