Terms & Conditions
Effective Date: June 19, 2026
1. Acceptance of Terms
By using the Qualls Insurance Agency website, you agree to these Terms & Conditions. If you do not agree, please do not use our site. We may update these terms from time to time, and your continued use of the site means you accept any changes.
2. Our Services
Qualls Insurance Agency is an independent insurance broker, not an insurance carrier. We help you obtain insurance quotes and policies from third-party carriers. Key things to know:
- All insurance policies are subject to carrier underwriting and approval
- Not all products are available in all areas
- We do not guarantee that you will qualify for any particular coverage or rate
3. Website Use
- You must be 18 years or older to use this site
- You agree to provide accurate and truthful information when requesting quotes or using our services
- You may not use the site for any unlawful purpose
- We reserve the right to refuse service to anyone
4. SMS/Text Messaging Terms
By providing your mobile number and opting in, you agree to receive recurring text messages from Qualls Insurance Agency.
- Types of messages: Policy renewal reminders, billing notifications, quote updates, appointment reminders, and customer service follow-ups
- Message frequency: Varies based on your account activity and interactions
- Rates: Standard message and data rates may apply. Please check with your mobile carrier
- Opt out: Reply STOP to any message. You will receive a confirmation that you've been unsubscribed
- Help: Reply HELP or call (503) 689-8930 ext. 3
- Carriers are not liable for delayed or undelivered messages
- Your mobile number and opt-in consent will not be shared with third parties for their marketing purposes
5. Quotes & Applications
- Quotes provided are estimates and may change based on carrier underwriting
- Binding coverage requires application approval and payment
- You must provide accurate and complete information — inaccurate information may result in policy cancellation or denial of claims
6. Intellectual Property
All website content — including text, images, logos, and design — is owned by or licensed to Qualls Insurance Agency. You may not reproduce, distribute, or modify this content without our written permission.
7. Third-Party Links
Our site may contain links to insurance carriers and service providers. We are not responsible for their content, privacy practices, or terms. We encourage you to review their policies separately.
8. Disclaimer of Warranties
Our website is provided "as is" without any warranties, express or implied. While we make reasonable efforts to keep the site running smoothly, we do not guarantee uninterrupted access. Insurance information on this site is for general educational purposes — please consult with us for your specific needs.
9. Limitation of Liability
Qualls Insurance Agency is not liable for:
- Damages arising from your use of this website
- Carrier decisions regarding coverage, rates, or claims
- SMS delivery delays or failures
10. Indemnification
You agree to indemnify and hold Qualls Insurance Agency harmless from any claims arising from your misuse of the site or violation of these terms.
11. Governing Law
These terms are governed by the laws of the State of Oregon. Any disputes shall be resolved in the courts of Marion County, Oregon.
12. Privacy
Your use of our site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
13. Changes to These Terms
We may update these Terms & Conditions at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after changes are posted constitutes acceptance of the new terms.
14. Contact Us
Qualls Insurance Agency
1193 Royvonne Ave Se Suite 14 Salem, Or 97302
Salem, Oregon
Phone: (503) 689-8930 ext. 3