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Terms of Service
Effective Date: July 7, 2026

Forsyth Insurance Agency Inc.

Address

Forsyth Insurance Agency Inc.
1265 S Cotner Blvd, Suite 21
Lincoln, NE 68510
Phone: (402) 483-7861

Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website, online services, mobile applications, communications, and SMS/text messaging services offered by Forsyth Insurance Agency Inc. ("Forsyth Insurance Agency," "we," "our," or "us").

By accessing our website, using our services, submitting information to us, purchasing insurance products through our agency, or opting in to receive text messages, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you should discontinue use of our services.

Insurance Services

Forsyth Insurance Agency Inc. provides insurance-related services including, but not limited to:

• Insurance quotes
• Policy applications
• Policy servicing
• Customer support
• Claims assistance
• Billing and payment support
• Account management services

Any insurance coverage issued is subject to the terms, conditions, exclusions, and limitations of the applicable insurance policy issued by the insurance carrier.

Nothing on our website or in our communications constitutes a guarantee of insurance coverage, eligibility, premium rates, or claims payment.

Website Use

You agree to use our website and services only for lawful purposes and in accordance with these Terms.

You agree not to:

• Violate any applicable law or regulation.
• Submit false or misleading information.
• Attempt to gain unauthorized access to our systems.
• Introduce viruses, malware, or harmful code.
• Interfere with the operation or security of our services.
• Use our website in a manner that could damage or impair our systems or services.

We reserve the right to restrict or terminate access to our services for violations of these Terms.

Information Accuracy

You agree to provide accurate, complete, and current information when requesting quotes, applying for coverage, communicating with us, or using our services.

You are responsible for updating us if your contact information changes, including your:

• Mailing address
• Email address
• Telephone number
• Mobile phone number

We are not responsible for delays, missed communications, or other issues resulting from inaccurate information provided by you.

SMS Messaging Terms

Program Description

Our SMS messaging program provides informational and transactional text messages relating to your relationship with Forsyth Insurance Agency Inc.

Messages may include, but are not limited to:

• Appointment reminders
• Insurance quote updates
• Policy renewal reminders
• Billing and payment reminders
• Claims updates
• Requests for information needed to service your policy
• Customer support communications
• Account notifications
• Other insurance-related communications that you have requested or authorized

We do not send text messages for unlawful purposes or in violation of applicable federal or state laws.

Consent to Receive Messages

By providing your mobile telephone number and affirmatively opting in, you authorize Forsyth Insurance Agency Inc. to send SMS messages to the mobile number you designate.

Your consent to receive text messages:

• Is voluntary.
• Is not a condition of purchasing any insurance product or service.
• May be withdrawn at any time by following the opt-out instructions below.

You represent that you are the authorized user of the mobile telephone number provided or that you have the account holder's permission to enroll that number.

Message Frequency

Message frequency varies depending on:

• Your relationship with Forsyth Insurance Agency Inc.
• Your insurance policies
• Your account activity
• Your communication preferences

You may receive recurring messages when necessary to provide customer service, policy servicing, or account-related communications.

Message and Data Rates

Standard message and data rates may apply according to your wireless carrier's pricing plan.

Charges are your responsibility.

Please contact your wireless carrier for details regarding your messaging plan.

Opting Out

You may opt out of the SMS program at any time by replying:

STOP

After you send STOP, we will send a confirmation message indicating that you have been unsubscribed.

Following confirmation, you will no longer receive SMS messages from us unless you provide a new opt-in.

Opting out of SMS communications does not affect communications that are legally required or otherwise permitted through other methods, including:

• Telephone calls
• Email
• Postal mail
• Secure customer portals

Help

If you need assistance with our SMS program, you may:

• Reply HELP to any SMS message
• Call (402) 483-7861

Our team will make reasonable efforts to assist you with your messaging preferences.

Mobile Privacy

Your privacy is important to us.

Please review our Privacy Policy for information regarding how we collect, use, store, and protect personal information.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data, consent records, and related personal information will not be sold, rented, leased, or shared with third parties for their own marketing purposes.

We may share limited information with service providers that assist us in delivering messaging services, solely to facilitate those services on our behalf.

User Responsibilities

By participating in our SMS program, you agree to:

• Provide a valid mobile phone number.
• Maintain accurate contact information.
• Promptly notify us if your mobile number changes.
• Use the SMS program only for lawful purposes.
• Not interfere with or disrupt our messaging systems.

If you change or deactivate your mobile number, you agree to notify us before the number is reassigned to another person.

Supported Carriers

Our SMS program is intended to work with major United States wireless carriers.

However:

• Message delivery depends on carrier networks and system availability.
• Not all mobile devices support all messaging features.
• Wireless carriers are not responsible for delayed or undelivered messages.

Availability

We do not guarantee uninterrupted availability of our SMS program.

Messaging services may be delayed or unavailable because of:

• Network outages
• Carrier limitations
• System maintenance
• Equipment failures
• Technical issues beyond our control

Intellectual Property

All content on our website, including text, graphics, logos, images, software, and other materials, is owned by or licensed to Forsyth Insurance Agency Inc. and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

Disclaimer of Warranties

Our website, services, and SMS messaging program are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Forsyth Insurance Agency Inc. disclaims all warranties, express or implied, including warranties relating to:

• Availability
• Accuracy
• Reliability
• Fitness for a particular purpose
• Non-infringement
• Continuous operation
• Message delivery and delivery timing

We do not guarantee that our services will be uninterrupted, secure, or error-free.

Limitation of Liability

To the fullest extent permitted by applicable law, Forsyth Insurance Agency Inc. shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to:

• Use of our website or services
• Participation in our SMS messaging program
• Delayed or failed message delivery
• Service interruptions
• Technical failures
• Unauthorized access to systems
• Reliance upon information provided through our services

Nothing in these Terms limits liability where such limitation is prohibited by law.

Indemnification

You agree to defend, indemnify, and hold harmless Forsyth Insurance Agency Inc., its officers, employees, agents, affiliates, and service providers from any claims, liabilities, damages, losses, and expenses arising out of:

• Your violation of these Terms
• Your misuse of our website or services
• Information you provide to us
• Your violation of any law or third-party rights

Modifications to Services and Terms

We reserve the right to:

• Modify our website or services
• Modify the SMS messaging program
• Suspend services
• Discontinue services
• Update these Terms

Any changes become effective upon posting on our website

Your continued use of our services after updated Terms are posted constitutes acceptance of those changes.

Termination

We may suspend or terminate your access to our services or SMS program at any time if:

• You violate these Terms.
• Your use creates a security risk.
• Required by law or regulation.
• Necessary to protect our systems, customers, or business operations.

You may terminate your participation in the SMS program at any time by replying STOP.

Governing Law

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

Any legal action arising from these Terms shall be brought in a court of competent jurisdiction located in Lancaster County, Nebraska, unless otherwise required by applicable law.

Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms of Service and our Privacy Policy constitute the complete agreement between you and Forsyth Insurance Agency Inc. regarding your use of our website, services, and SMS messaging program and supersede all prior agreements or understandings relating to the same subject matter.

Contact Information

If you have questions regarding these Terms of Service, please contact:

Forsyth Insurance Agency Inc.
1265 S Cotner Blvd Ste 21
Lincoln, Nebraska 68551

Phone: (402) 483-7861

We are committed to providing transparent, secure, and compliant communications while respecting your privacy and communication preferences.