Terms of Service

1. Independent Agency Status

Valley Insurance INC is an independent insurance brokerage. We represent multiple third-party, state-licensed insurance carriers. Valley Insurance INC is not an insurance company; we assist consumers in evaluating, comparing, and applying for policies offered by authorized underwriting companies.

2. Non-Binding Quotes & Information Disclaimer

All information, rate estimates, illustrations, and preliminary quotes presented on this website or in promotional materials are provided for informational and comparative purposes only.

• Submitting a quote request does not constitute an offer of insurance, nor does it guarantee policy approval or bind coverage.
• Actual eligibility, monthly premiums, riders, and benefit amounts are subject to individual carrier underwriting, health questions, age verification, state approvals, and formal application review.
• Policy terms, conditions, exclusions, and limitations are governed strictly by the final policy contract issued by the underwriting insurance carrier.

3. Telephone Consumer Protection Act (TCPA) Consent

By providing your telephone number on any form or button on this website, you grant Valley Insurance INC and its authorized agents express written consent to contact you via voice call, prerecorded message, text message (SMS/MMS), or email regarding insurance products and financial reviews.

You agree that communications may be initiated via automated dialing systems. You certify that you are the primary subscriber or customary user of the provided phone number. Consent is not required as a condition to purchase insurance. You may revoke consent at any time by requesting to be placed on our internal Do-Not-Call list or by contacting us at (256) 415-7190.

4. Intellectual Property

All content on this website—including text, graphics, logos, button icons, images, and software—is the property of Valley Insurance INC or its licensors and is protected by United States and international copyright, trademark, and intellectual property laws. Unauthorized reproduction, modification, or distribution is strictly prohibited.

5. Disclaimer of Warranties

This website and all content, materials, and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

6. Limitation of Liability

To the fullest extent permitted by law, Valley Insurance INC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your access to or use of, or inability to access or use, this website or any insurance product information obtained through it.

7. Governing Law & Jurisdiction

These Terms of Service and your use of the website shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of appropriate jurisdiction located in Alabama.