Terms and Conditions
Effective Date: January 1, 2026 · Smith Insurance and Financial Services, Inc.
These Terms and Conditions govern the use of the SMITH INSURANCE AND FINANCIAL SERVICES, INC. website and services. By accessing this website, you agree to these Terms.
Services
SMITH INSURANCE AND FINANCIAL SERVICES, INC. provides insurance brokerage, insurance consultation, financial services, and related support services.
No Guarantee of Coverage
Insurance coverage is subject to underwriting approval, carrier eligibility requirements, policy terms, conditions, exclusions, and applicable laws. Quotes provided through the website are estimates only and do not guarantee coverage or pricing.
No Professional Relationship
Use of this website does not establish an insurance agent-client relationship until formal agreements and applications are completed.
Website Content
All website content is provided for informational purposes only. We make reasonable efforts to ensure accuracy but do not guarantee completeness or reliability.
Intellectual Property
All website materials including logos, branding, text, graphics, images, layouts, and content are the exclusive property of SMITH INSURANCE AND FINANCIAL SERVICES, INC. Unauthorized use is prohibited.
Limitation of Liability
We shall not be liable for indirect damages, business interruption, data loss, financial loss, website downtime, or delayed communications. Users access the website at their own risk.
Third-Party Links
Our website may contain links to insurance carriers and external websites. We are not responsible for third-party websites or content.
User Conduct
Users agree not to:
- Submit false information
- Abuse forms
- Attempt unauthorized access
- Upload malicious content
- Violate laws or regulations
Communications
By submitting forms through this website, users consent to being contacted by phone, email, or SMS regarding insurance inquiries and services.
Governing Law
These Terms shall be governed by the laws of the State of Michigan.
Modifications
We reserve the right to update these Terms at any time without notice.
Contact Information
SMITH INSURANCE AND FINANCIAL SERVICES, INC.
4167 E 14 MILE RD
STERLING HEIGHTS, MI 48310
Phone: (947) 267-4429
Email: owner@smithinsuranceandfinancialservices.com