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Terms and Conditions

Terms of Use

Effective Date: January 1, 2025

These Terms of Use (“Terms”) govern your access to and use of this website, TheInsuranceTeacher.com, which is owned and operated by the Kim Hastings Agency, Inc., an authorized Farmers Insurance Agency (“we,” “us,” “our,” “The Agency,” or “The Insurance Teacher”). This site is independent and not maintained, endorsed, or controlled by the Farmers Insurance Group of Companies.

1. No Professional Advice

The content provided on this website is for general informational purposes only. It is not intended as legal, financial, tax, or professional insurance advice and should not be relied upon as such. You should consult your licensed insurance agent or qualified professional regarding your specific situation before making decisions based on the content.

2. Limitation of Liability

Your use of this website is at your own risk. The Kim Hastings Agency disclaims any liability for damages of any kind arising out of or related to your use of, access to, or reliance on this website and the materials provided herein. This includes but is not limited to direct, indirect, incidental, consequential, or special damages, even if we have been advised of the possibility of such damages.

We are not responsible for any errors, omissions, or delays in transmission; interruptions in communication; viruses or harmful components; or unauthorized access to your information. You assume all risk associated with using this site and its content.

3. Third-Party Services and Links

This website may include links or offers related to third-party products or services. The Kim Hastings Agency is not responsible for the terms, quality, or fulfillment of services or products provided by third parties. By using such services or clicking on such links, you release us from any liability related to your dealings with those third parties.

4. Employment Opportunities

We are an Equal Opportunity Employer. We consider applicants without regard to race, color, religion, national origin, sex, age, disability, sexual orientation, or any other protected class, provided the applicant is otherwise qualified and the disability can be reasonably accommodated. All qualified individuals are encouraged to apply.

5. Email Disclaimer

Email submissions over the internet are not secure and may be intercepted by unauthorized parties. Please refrain from sending sensitive personal information via email and consider calling or using our secure contact form for confidential matters.

6. Password-Protected Areas

Certain areas of our website may require a user ID and password. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Do not share your password with others. Notify us immediately of any unauthorized use of your login or breach of security.

7. Indemnification

By using this website, you agree to indemnify, defend, and hold harmless the Kim Hastings Agency, its affiliates, and its employees from any claims, liabilities, costs, and expenses (including attorney’s fees) arising from your violation of these Terms, applicable law, or the rights of any third party.

8. Modifications to These Terms

We may modify these Terms at any time. Updates will be posted on this page. Continued use of the website following any changes constitutes your acceptance of the revised terms.

9. Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of laws principles.

10. SMS Terms & Conditions

1. Consent to SMS:
By opting in, you agree to receive SMS messages from Kim Hastings Agency related to account updates, appointment reminders, and conversational follow-ups. SMS opt-ins are strictly for communication purposes and are not shared with third parties or affiliate companies for marketing purposes.

2. Types of Messages:
If you opt in, you may receive:

  • Appointment confirmations or reminders
  • Policy update notifications
  • Billing and customer service messages

3. Message Frequency:
Message frequency may vary, but users may receive up to five (5) messages per week depending on activity and communication needs.

4. Fees:
Standard message and data rates may apply, depending on your carrier’s pricing plan.

5. Opt-In Methods:
You can opt in through:

  • Checking the consent box on our online contact form
  • Providing verbal consent during a phone conversation
  • Filling out a paper form at an event or in person

6. Opt-Out:
To opt out, simply reply “STOP” to any SMS message or contact us directly at info@kimhastingsagency.com or 281-379-5400.

7. Help:
For assistance, reply “HELP” to any message or contact us at
https://theinsuranceteacher.com/contact/.

8. Standard Disclosures:

  • Message and data rates may apply
  • You can opt out at any time
  • Message frequency may vary
  • We do not share SMS information with third parties for marketing purposes

11. Contact Us

If you have any questions or concerns about these Terms of Use or our policies, please contact us: