Terms of Service

Welcome to The Insurance Collective. By accessing or using our website at trust-tic.com, you agree to these Terms of Service. Please read them carefully. If you do not agree, you must stop using our website.

1. Description of Services

The Insurance Collective provides online tools that allow users to request insurance quotes and contact our team. The website does not provide payment processing, policy management, or customer accounts. All quotes and coverage decisions are made by licensed insurance carriers, not by The Insurance Collective.

Submitting a request through our website does not bind coverage. Coverage becomes effective only after approval by the carrier and completion of all required documents and payments directly with the carrier or authorized premium finance providers, not through our website.

2. Eligibility

You must be at least 18 years old to use our website or request an insurance quote. By submitting information, you confirm that you are legally able to enter into binding contracts.

3. Accuracy of Information

You agree that all information submitted through our website is accurate and complete. Providing false, incomplete, or misleading information may result in denial of coverage or cancellation of an issued policy by the insurance carrier. You are responsible for notifying us if your information changes.

4. No Professional, Legal, or Financial Advice

Information on our website is provided for general informational purposes only. It is not legal, tax, financial, or professional advice. Insurance decisions should be made through direct communication with a licensed insurance agent and by reviewing official policy documents issued by the carrier.

5. Quote Requests

Submitting a quote request through our website does not guarantee coverage, pricing, or eligibility. Quotes are subject to underwriting guidelines and may change based on additional information, verification, or carrier review. The Insurance Collective is not responsible for delays or denials caused by inaccurate or incomplete information provided by the user.

6. Communications Consent

By providing your phone number or email address, you consent to receive communication from us related to quotes, applications, policy discussions, renewals, and limited marketing. You may opt out of marketing communication at any time. Service related communication may still be required.

7. Third Party Tools

Our website may use supporting tools such as analytics, form processors, CRM integrations, or communication systems that help us operate our website and intake forms. These tools do not allow customers to log in or manage policies. Any premium financing portals or carrier systems used by The Insurance Collective are accessed by our staff only. Customers are not provided access through our website.

We are not responsible for content, security, or privacy practices of any external websites that we may link to for informational purposes.

8. Intellectual Property

All content on our website, including text, logos, graphics, and design, belongs to The Insurance Collective or our licensors. You may not copy, modify, distribute, or publish any content without written permission.

9. Prohibited Use

You may not use the website for any unlawful purpose, including but not limited to:

• Submitting false or misleading information
• Attempting to access systems or data without authorization
• Interfering with website security
• Scraping or harvesting data

We may suspend or block access if prohibited behavior is detected.

10. Limitation of Liability

To the fullest extent permitted by law, The Insurance Collective is not liable for any indirect, incidental, or consequential damages related to use of our website or submissions made through our quote form. This includes delays, errors, lost data, lost profits, or denial of insurance coverage by a carrier. Insurance decisions, underwriting, coverage limits, exclusions, and claims outcomes are determined by the insurance carrier, not by The Insurance Collective.

Your sole remedy for dissatisfaction with the website is to stop using it.

11. Arbitration Agreement

Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the website, or any service provided by The Insurance Collective will be resolved exclusively through binding arbitration. Arbitration will take place in Oklahoma County, Oklahoma, and will be conducted under the rules of the American Arbitration Association. You waive the right to participate in any class action or class arbitration.

Nothing in this section prevents you from filing a claim in small claims court, provided it qualifies under that court’s jurisdiction.

12. No Guarantee of Availability

We do not guarantee that the website will be available at all times or free from errors or interruptions. We may update or modify the site at any time.

13. Governing Law

These Terms are governed by the laws of the State of Oklahoma.

14. Changes to Terms

We may update these Terms at any time. The most current version will always be posted on our website. Continued use of the site after changes are posted means that you accept the updated Terms.

15. Contact Information

The Insurance Collective
Email: info@trust-tic.com
Phone: 580-359-0617
Address: 20 3RD AVE NE, ARDMORE, OK 73401