Terms & Conditions

Effective Date: January 1, 2026

PLEASE READ CAREFULLY. By accessing www.handcraftedinsurance.com (the “Site”) or any services, tools, calculators, content, or SMS programs offered by Handcrafted Insurance Solutions LLC (“Handcrafted Insurance Solutions,” “Handcrafted,” “we,” “us,” or “our”), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, do not use the Site.

  1. INTRODUCTION These Terms constitute a legally binding agreement between you and Handcrafted Insurance Solutions LLC governing your access to and use of the Site, our mobile content, and any related communications or services (collectively, the “Services”).

  2. DEFINITIONS • “Content” – text, graphics, software, photos, videos, data, and other materials on the Site. • “User,” “you,” or “your” – any person or entity that visits, browses, inputs information, or otherwise uses the Site or Services.

  3. ACCEPTANCE OF TERMS Using the Site in any manner signifies your consent to these Terms, our Privacy Policy, and our Messaging Terms & Conditions (collectively, the “Agreement”), all incorporated herein by reference.

  4. MODIFICATIONS We may update the Agreement at any time. Revised versions take effect when posted with an updated “Last Revised” date. Your continued use after changes constitutes acceptance of those changes.

  5. ELIGIBILITY & AGE REQUIREMENT The Site is intended for U.S. residents who are at least 18 years of age or the legal age of majority in their jurisdiction. By using the Site, you represent that you meet this requirement.

  6. LICENSE TO USE THE SITE We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes, subject to the Agreement.

  7. INTELLECTUAL-PROPERTY RIGHTS All Content and Services are owned by Handcrafted Insurance Solutions LLC or its licensors and protected under U.S. and international intellectual-property laws. Except as expressly permitted, no Content may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed without our prior written consent.

  8. INSURANCE-INFORMATION DISCLAIMER Coverage descriptions on the Site are summaries only and are not contracts, binders, or policies of insurance. Product availability and pricing vary by carrier, underwriting guidelines, and state law. Final terms are governed solely by the policy documents issued by the insurer.

  9. NO PROFESSIONAL ADVICE The Site provides general information. It does not provide legal, tax, investment, or other professional advice. Always consult qualified professionals about your specific situation.

  10. GEOGRAPHIC & REGULATORY RESTRICTIONS Handcrafted Insurance Solutions LLC holds insurance producer licenses in multiple jurisdictions, including Texas Insurance License No. 3268161 and California Insurance License No. 6015854. We are licensed as an insurance producer only in the jurisdictions in which we conduct business. Nothing on the Site constitutes a solicitation to buy or sell any product in any jurisdiction where such offer would be unlawful.

  11. REGULATORY DISCLOSURES As a licensed insurance producer (Texas License No. 3268161; California License No. 6015854), we may receive commissions or other compensation from insurers for policies placed. This compensation is paid by the insurer and is not an additional charge to you unless separately disclosed and agreed upon in writing. We do not charge fees directly to customers for brokerage services provided through this Site unless explicitly stated and agreed to in advance. Additional producer-compensation disclosures, if required by law, will be furnished upon request.

  12. USER ACCOUNTS & SECURITY You are responsible for maintaining the confidentiality of any login credentials and for all activities that occur under your account. Notify us immediately of any unauthorized use.

  13. USER-SUPPLIED CONTENT By submitting questions, reviews, testimonials, forms, or other content, you grant Handcrafted Insurance Solutions LLC a perpetual, worldwide, royalty-free license to use, reproduce, display, and distribute such content in any media. You represent that you have all rights necessary for such submission.

  14. PROHIBITED USES You agree not to: a. Violate any law or regulation; b. Attempt to gain unauthorized access to the Site or its systems; c. Scrape, crawl, or harvest data; d. Transmit viruses or malicious code; e. Use the Site to advertise or solicit without our prior consent.

  15. THIRD-PARTY LINKS & CONTENT The Site may contain links to third-party websites or resources. We are not responsible for their content, products, or practices. Access them at your own risk.

  16. TESTIMONIALS & REVIEWS Individual results may vary. Testimonials are the opinions of the clients who provided them and do not guarantee similar outcomes.

  17. QUOTING TOOLS & CALCULATORS Estimates generated by any quoting engine or calculator are non-binding indications based on the information you supply and insurer-filed rates. Coverage is not effective until confirmed in writing by the carrier.

  18. SMS/MMS MESSAGING TERMS When you opt in, you agree to our Messaging Terms & Conditions, including: • Message frequency varies; message and data rates may apply. • Reply HELP for help, STOP to cancel. • Contact: +1 (830) 239-2881 or mark@handcraftedinsurance.com.

  19. PRIVACY & COOKIES Our collection, use, and sharing of personal information are governed by our Privacy Policy, which explains your choices regarding cookies and similar technologies.

  20. ELECTRONIC COMMUNICATIONS You consent to receive communications from us electronically and agree that all notices, disclosures, and other communications satisfy any legal requirement that such communications be in writing.

  21. DISCLAIMER OF WARRANTIES THE SITE, CONTENT, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

  22. LIMITATION OF LIABILITY TO THE FULLEST EXTENT PERMITTED BY LAW, HANDCRAFTED INSURANCE SOLUTIONS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY SHALL NOT EXCEED $100 OR THE AMOUNT YOU PAID US, WHICHEVER IS GREATER.

  23. INDEMNIFICATION You agree to indemnify and hold harmless Handcrafted Insurance Solutions LLC from and against all claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your violation of the Agreement or misuse of the Site.

  24. DISPUTE RESOLUTION — BINDING ARBITRATION Any dispute arising under the Agreement shall be resolved by binding arbitration in Comal County, Texas, under the Commercial Arbitration Rules of the American Arbitration Association. You waive the right to participate in any class action.

  25. GOVERNING LAW & JURISDICTION The Agreement is governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Subject to Section 24, any lawsuit shall be filed exclusively in the state or federal courts located in Comal County, Texas.

  26. SEVERABILITY If any provision of the Agreement is held unlawful or unenforceable, the remaining provisions will remain in full force and effect.

  27. ASSIGNMENT You may not assign or transfer your rights or obligations under the Agreement without our prior written consent. We may assign the Agreement without restriction.

  28. ENTIRE AGREEMENT & WAIVER The Agreement constitutes the entire agreement between you and us regarding the Site and supersedes all prior or contemporaneous agreements. Failure to enforce any provision is not a waiver of that provision.

  29. CONTACT INFORMATION Handcrafted Insurance Solutions LLC (Texas Insurance License No. 3268161; California Insurance License No. 6015854) 267 W Mill St #200 New Braunfels, TX 78130 USA Phone: +1 (830) 239-2881 Email: mark@handcraftedinsurance.com

  30. UPDATES TO THESE TERMS We last updated these Terms on January 1, 2026. Future changes will be posted here with a revised effective date.

Your continued use of the Site confirms your acceptance of these Terms.