1. Acceptance of Terms
By accessing or using CoveredWest.com (the "Site"), you agree to these Terms and Conditions. If you do not agree, please do not use the Site.
2. No Insurance Advice or Quote
The content on this Site is general and informational only. It is not insurance, legal, tax, or financial advice. Nothing here constitutes a quote, a binder, or a guarantee of coverage, approval, savings, or pricing. Coverage availability and eligibility vary by state, carrier, and individual circumstances. Actual terms are determined by the applicable insurance carrier and policy.
3. No Warranties
The Site is provided "as is" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose.
4. Limitation of Liability
To the extent permitted by law, Covered West Agency shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or any information on it.
5. Third-Party Links
The Site may contain links to third-party websites or services that we do not control. We are not responsible for their content, privacy practices, or policies.
6. Forms and Communications
When you submit a form or schedule a consultation, you acknowledge that a Covered West agent may contact you regarding your request. Submission does not create an insurance binder or obligate you to purchase any product.
7. Covered West SMS Program
Covered West offers optional text messages about insurance inquiries, consultation scheduling, appointment confirmations, and reminders. With separate marketing consent, recipients may also receive recurring automated messages about insurance products, quotes, and offers.
SMS consent is optional and is not a condition of purchase. Message frequency varies. Message and data rates may apply.
Reply STOP to a Covered West text to unsubscribe. You may receive a final confirmation of your opt-out. To subscribe again, provide a new affirmative opt-in through our consent form.
Reply HELP for assistance or email covered.west@gmail.com. Carriers are not responsible for delayed or undelivered messages.
See our Privacy Policy for information about handling personal information and SMS consent.
Age Restriction (18+)
You must be 18 years of age or older to participate in the Covered West SMS program. By opting in to receive SMS messages from Covered West, you confirm that you are at least 18 years old.
8. Changes to These Terms
We may revise these Terms and Conditions at any time. Continued use of the Site after changes constitutes acceptance of the updated terms.
9. Licensing Information
Insurance services are provided by Tom Blacksmith. National Producer Number (NPN): 127421. Licensed in Washington (License No. 1349156), California (License No. 0B44777), and Texas (License No. 3538909).
10. Contact
Questions about these terms may be sent to covered.west@gmail.com.