Terms & Conditions

1. Acceptance of Terms

By accessing or using any website, form, content, or service provided by Family Values Group (“Family Values Insurance Agency,” “we,” “us,” or “our”), you agree to these Terms & Conditions and to our Privacy Policy.

2. Services & Service Area

We provide insurance-related services and resources (including quote requests, education, and recruiting information). As of now, we primarily serve Tennessee. Products, carriers, eligibility, and availability may vary by location and are subject to change.

3. Eligibility & User Responsibilities

• You must be at least 18 years old to use our services.
• Provide accurate and truthful information and do not impersonate others.
• Do not disrupt, attempt to bypass security, or misuse our systems.
• Agents are typically engaged as independent contractors (1099); appointment setters may be W-2 employees. Specific engagement terms are governed by separate written agreements when applicable.

4. Quotes, Accuracy & No Professional Advice

Any quote, premium estimate, coverage description, or comparison tool is provided for convenience and is not a binding offer. Final rates, coverage forms, and underwriting decisions are determined by the applicable carrier(s). Nothing on this site constitutes legal, tax, or financial advice.

5. E-SIGN & TCPA Consent

By submitting your information, you consent to receive communications (including calls or texts) from us or our agents at the number(s) and email(s) you provide. Message and data rates may apply. You can opt out of texts at any time by replying STOP. You consent to the use of electronic records and signatures where permitted by law.

6. Intellectual Property

All content on this site—including logos, graphics, text, and layouts—is our property or used with permission and is protected by applicable intellectual property laws. You may not copy, modify, or redistribute content without our prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) our site or services. Some jurisdictions do not allow certain limitations; in such cases, liability is limited to the fullest extent permitted by law.

8. Termination

We may suspend or terminate access to the site or services at our discretion for violations of these Terms or for any behavior that could harm our clients, agents, partners, or reputation.

9. Accessibility

We aim to make our website usable for everyone, including people who use assistive technologies. If you encounter accessibility barriers, please contact us at info@familyvaluesgroup.com or +1-629-243-7980 so we can help.

10. Governing Law & Venue

These Terms are governed by the laws of the State of Tennessee and applicable U.S. federal law, without regard to conflict of laws principles. You agree to the exclusive jurisdiction and venue of state or federal courts located in Tennessee for disputes that are not subject to alternative dispute resolution.

11. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by a revised “Last updated” date on this page.

12. Contact

Questions about these Terms? Email info@familyvaluesgroup.com or call +1-629-243-7980.