Effective Date: January 2, 2026

Welcome to https://meansagencyinc.com (the “Website”), owned and operated by Means Agency Inc. (“Company,” “we,” “us,” or “our”), a licensed insurance agency operating in the State of Colorado.

These Terms and Conditions (“Terms”) govern your access to and use of this Website. Please read them carefully.

By accessing or using this Website, submitting forms, or requesting information, you agree to be legally bound by these Terms and all applicable federal and Colorado state laws and regulations. If you do not agree, you must not use the Website.

We reserve the right to update or modify these Terms at any time without prior notice. Changes become effective immediately upon posting. Your continued use of the Website constitutes acceptance of the revised Terms.

Means Agency Inc. is a licensed insurance agency in the State of Colorado. Information provided on this Website is for general informational purposes only and does not constitute:

• A binder of insurance
• A guarantee of coverage
• Legal, tax, or financial advice

All insurance coverage is subject to underwriting approval, policy terms, conditions, exclusions, and carrier guidelines. Coverage is not effective unless and until confirmed in writing by the insurance carrier.

You agree to use the Website only for lawful purposes and in a manner that does not:

• Violate any applicable law or regulation
• Misrepresent information related to insurance applications or inquiries
• Interfere with Website security or functionality

We reserve the right to restrict or terminate access for misuse or fraudulent activity.

All Website content, including text, graphics, logos, images, forms, and design elements, is the property of Means Agency Inc. or its licensors and is protected by applicable copyright and trademark laws.

You may not copy, reproduce, distribute, or create derivative works without prior written consent.

By submitting information through the Website (including contact, quote, or application forms), you:

• Confirm the information provided is accurate and truthful to the best of your knowledge
• Understand that inaccurate or incomplete information may affect insurance eligibility or coverage
• Grant us a non-exclusive, royalty-free, perpetual license to use submitted information for business and insurance-related purposes

By submitting your information through this Website, you expressly consent to receive communications from Means Agency Inc., including emails, phone calls, and text messages, regarding insurance quotes, policy information, service updates, and related matters.

Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. You may opt out of text messages at any time by replying STOP.

Your use of this Website is governed by our Privacy Policy, which explains how we collect, use, and protect your personal information in compliance with Colorado and federal regulations.

Privacy Policy: https://meansagencyinc.com/privacy-policy

The Website is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free from viruses.

To the fullest extent permitted by Colorado law, Means Agency Inc. shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to your use of this Website or reliance on its content.

You agree to indemnify and hold harmless Means Agency Inc., its officers, employees, and affiliates from any claims, damages, losses, or expenses arising from your violation of these Terms or misuse of the Website.

This Website may contain links to third-party websites. We are not responsible for their content, accuracy, or privacy practices.

These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to conflict of law principles.

Means Agency Inc.
Website: https://meansagencyinc.com