Terms of Service

1. Acceptance of Terms

By accessing and using the AGEMA Insurance Solutions website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Site.

AGEMA Insurance Solutions operates the Site. We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

2. Use of the Site

The Site is for informational purposes about our insurance brokerage services. You may use the Site to learn about our divisions (HabRisk, Top Shelf), insights, and contact us.

You agree not to: (a) use the Site for any unlawful purpose; (b) interfere with the Site's operation; (c) attempt unauthorized access; (d) copy or distribute content without permission.

3. User Content and Contact Forms

Information submitted via contact forms (name, email, phone, message) is used to respond to inquiries. By submitting, you grant AGEMA a license to use this information for business purposes.

We do not guarantee responses to all inquiries.

4. Intellectual Property

All content on the Site, including text, images, logos (AGEMA, HabRisk, Top Shelf), and design, is owned by AGEMA or licensors. No license is granted except for personal, non-commercial viewing.

5. Disclaimers

The Site and content are provided "as is" without warranties. Insurance information is general; consult professionals for advice. We disclaim liability for decisions based on Site content.

Links to third parties are not endorsements; we are not responsible for their content.

6. Limitation of Liability

To the fullest extent permitted by law, AGEMA shall not be liable for indirect, incidental, or consequential damages arising from Site use.

Our total liability shall not exceed $100.

7. Termination

We may terminate or suspend access to the Site at any time without notice for conduct violating these Terms.

8. Governing Law

These Terms are governed by the laws of the State of Kansas, without regard to conflict of laws principles. Disputes shall be resolved in courts in Johnson County, Kansas.

9. Contact Information

AGEMA Insurance Solutions
6900 College Boulevard, Suite 650
Overland Park, KS 66211
Phone: 877.227.5200
Email: contact@agema-solutions.com