Terms & Conditions
Including SMS Terms
Effective Date: December 1, 2025
1. Acceptance of Terms
By accessing this website or using our services, you agree to these Terms & Conditions.
2. Use of Website
You agree to use this website for lawful purposes only. You may not:
Misrepresent your identity
Submit false or misleading information
Attempt to disrupt or compromise the website
3. No Guarantee of Coverage
Submitting information through our website does not guarantee insurance coverage. Coverage is only bound upon:
Application approval
Confirmation from a licensed agent
Issuance by an insurance carrier
4. Quotes & Information Accuracy
Quotes provided are estimates based on information supplied. Final premiums and eligibility are determined by the insurance carrier.
5. Intellectual Property
All website content is owned by Shine Insurance, LLC and may not be copied or reproduced without permission.
6. Limitation of Liability
We are not liable for:
Errors or omissions in website content
Temporary service interruptions
Decisions made based on website information
7. Third-Party Services
We may use third-party tools and platforms. Your use of those services may be subject to their respective terms.
8. SMS Terms & Conditions (CTIA-Compliant Section)
By opting into SMS communications, you agree to receive messages from Shine Insurance, LLC.
Types of Messages:
Appointment reminders
Quote follow-ups
Policy alerts
Customer support responses
Marketing messages (if separately consented)
Frequency:
Message frequency varies.
Fees:
Message and data rates may apply.
Opt-Out Instructions:
Reply STOP at any time to unsubscribe.
Help:
Reply HELP or contact us at:
📧 admin@shineinsuranceco.com
Consent:
Consent is not required to purchase insurance
Message delivery is not guaranteed and may be subject to carrier limitations
9. Indemnification
You agree to indemnify and hold harmless Shine Insurance, LLC from any claims arising from your use of the website or services.
10. Governing Law
These Terms are governed by the laws of the State of Ohio.
11. Changes to Terms
We may update these Terms at any time. Continued use of the website constitutes acceptance of any updates.
12. Contact Information
Shine Insurance, LLC
8534 Cotter Street
Lewis Center, Ohio 43035
📧 admin@shineinsuranceco.com