Terms and Conditions

Effective Date: 1/1/2026

Welcome to Richard Harris EZ Insurance. By accessing or using our Platform, you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Platform.

1. Use of the Platform

Eligibility:
To use our Platform, you must be at least 18 years of age or have the permission of a legal guardian.

Acceptable Use:
You agree not to:

Violate applicable laws or regulations

Interfere with or disrupt the Platform or its servers

Transmit harmful code, viruses, or malware

Distribute spam or unsolicited messages

2. Intellectual Property

All content on the Platform is owned by Richard Harris EZ Insurance or its licensors and is protected by copyright and trademark laws. Users are granted a limited, non-exclusive license for personal, non-commercial use.

3. User Accounts

You may need an account to access certain features. You are responsible for maintaining account confidentiality and notifying us of unauthorized access.

4. Payments and Subscriptions

By purchasing or subscribing to services, you authorize recurring payments and agree to applicable fees. Cancellation policies will be provided during subscription.

5. SMS Messaging Terms (A2P Compliance)

Description of SMS Use Cases:
By providing your mobile number, you agree to receive SMS messages regarding account updates, service notifications, and promotional offers from Richard Harris EZ Insurance.

Opt-Out Instructions:
You may withdraw consent at any time by replying STOP to any message. Essential service messages may still be sent.

Message & Data Rates:
Standard messaging and data rates may apply.

Carrier Liability Disclaimer:
We are not responsible for delays or failures caused by mobile carriers.

Privacy Policy Reference:
SMS use is governed by our Privacy Policy.

6. Disclaimers and Limitation of Liability

The Platform is provided "as is" without warranties. Richard Harris EZ Insurance is not liable for indirect, incidental, or consequential damages.

7. Termination

We may terminate or suspend your access at our discretion without notice if you breach these Terms.

8. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction], and disputes fall under the exclusive jurisdiction of the courts in [Insert Location].

9. Changes to These Terms

We may update these Terms at any time. Your continued use constitutes acceptance of the updated Terms.

10. Contact Us

Email: [email protected]
Phone: +1 435-674-0230
Text inquiries: +1 435-674-0230