These Terms of Use ("Terms") govern your access to and use of ramstateinsurance.com (the "Website"), which is operated by RamState Insurance ("RamState," "we," "us," or "our"). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Purpose of the Website
The Website provides general information about RamState Insurance and insurance-related products and services that may be available through licensed insurance agents, insurance carriers, brokerages, general agencies, enrollment platforms, or other authorized providers. Website content is provided for general informational and educational purposes and does not constitute an insurance policy, binder, contract, or guarantee of coverage.
2. No Insurance Coverage Is Bound Through General Website Content
Visiting the Website, using a chat feature, submitting a contact form, requesting information, or requesting a quote does not by itself create insurance coverage, bind coverage, modify an existing policy, or create an insurer-insured relationship. Coverage is effective only when confirmed in accordance with the requirements of the applicable insurance carrier and any required premium, application, underwriting, enrollment, or other conditions have been satisfied.
Do not cancel, replace, or allow existing insurance coverage to lapse based solely on information, estimates, communications, or quote requests made through this Website.
3. Quotes, Rates, Eligibility and Product Availability
Any premium, rate, benefit, coverage amount, illustration, estimate, or quote displayed or communicated in connection with the Website is subject to verification and may change based on underwriting, eligibility, rating information, carrier rules, state availability, effective date, applicant information, and other factors. A quote is not a guarantee of price, eligibility, approval, issuance, or coverage.
4. Insurance Carrier Documents Control
Descriptions of insurance products on the Website are summaries only. If Website content differs from the terms, conditions, limitations, exclusions, endorsements, riders, schedules, certificates, evidence of coverage, or other official documents issued or approved by the applicable insurance carrier, the carrier's official documents control to the extent permitted by law.
5. No Legal, Tax, Accounting or Investment Advice
Information on the Website is not intended to provide legal, tax, accounting, securities, or investment advice. References to estate planning, retirement strategies, tax treatment, cash value, beneficiaries, trusts, or similar topics are general educational information only. You should consult appropriately qualified professionals regarding your individual circumstances.
6. Medicare and Health Insurance Information
Medicare, health insurance, Marketplace, supplemental health, and related information on the Website is general in nature. Plan availability, eligibility, provider networks, formularies, benefits, premiums, cost sharing, enrollment periods, subsidies, and other terms may change and are determined by applicable law, government programs, insurance carriers, and official plan documents. RamState does not represent or imply that the Website is operated by or affiliated with the United States government, Medicare, Medicaid, the Health Insurance Marketplace, or any government agency unless expressly stated otherwise.
7. Accuracy of Information
We make reasonable efforts to provide useful and current information, but we do not warrant that all Website information is complete, accurate, current, or error-free. Insurance laws, carrier guidelines, product availability, rates, benefits, and eligibility requirements may change.
8. Your Responsibilities
You agree to provide accurate and complete information when requesting quotes, applying for insurance, enrolling in coverage, or communicating with RamState. You are responsible for reviewing applications, policy documents, enrollment confirmations, identification cards, declarations pages, benefit summaries, and other documents for accuracy and promptly reporting errors or changes.
9. Permitted Use
You may use the Website only for lawful personal or legitimate business purposes related to learning about or requesting insurance products and services. You may not misuse the Website; attempt unauthorized access; interfere with Website operation or security; introduce malware; scrape or collect information through unauthorized automated means; impersonate another person; submit false or fraudulent information; or use the Website in violation of applicable law.
10. Intellectual Property
Unless otherwise indicated, the Website's original text, graphics, layout, branding, logos, design elements, and other content owned by RamState are protected by applicable intellectual-property laws. Third-party names, logos, trademarks, product names, and materials remain the property of their respective owners.
11. Third-Party Websites and Services
The Website may link to or interact with insurance carriers, quoting systems, enrollment platforms, government websites, chat providers, communication services, social media, and other third-party services. These services are operated independently and may have their own terms, privacy policies, security practices, and availability requirements.
12. Electronic Communications
When you submit a form, send an email, use Website chat, or otherwise communicate electronically with RamState, you consent to receiving responsive electronic communications regarding your request, subject to applicable law. General email and website chat may not be secure.
For general Website or insurance-service inquiries, you may contact RamState at info@ramstateinsurance.com. Do not send Social Security numbers, passwords, full payment-card numbers, or detailed medical records through unsecured email.
13. Privacy
Your use of the Website is also subject to the RamState Insurance Privacy Policy, which describes how information may be collected, used, disclosed, and protected. The Privacy Policy is available through the Privacy Policy link on ramstateinsurance.com.
14. Website Availability and Changes
We may modify, suspend, discontinue, restrict, or update any portion of the Website at any time. We do not guarantee uninterrupted access, continuous availability, compatibility with every device or browser, or that the Website will always be free from technical errors, harmful components, or unauthorized interference.
15. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. RAMSTATE DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE WEBSITE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, OR RESULTS. NOTHING IN THESE TERMS EXCLUDES A WARRANTY OR RIGHT THAT CANNOT LAWFULLY BE EXCLUDED.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RAMSTATE AND ITS OWNERS, AGENTS, REPRESENTATIVES, SERVICE PROVIDERS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO USE OF, INABILITY TO USE, OR RELIANCE ON THE WEBSITE OR THIRD-PARTY SERVICES. THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED OR EXCLUDED.
17. Indemnification
To the extent permitted by law, you agree to be responsible for losses, claims, liabilities, or reasonable costs arising from your unlawful misuse of the Website, your violation of these Terms, or your infringement of another person's rights.
18. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where federal law or another jurisdiction's mandatory law applies. Any dispute relating to the Website will be handled in a court of competent jurisdiction as provided by applicable law.
19. Changes to These Terms
We may revise these Terms to reflect changes in the Website, our services, business practices, or applicable law. Updated Terms will be posted on ramstateinsurance.com with a revised "Last Updated" date.
20. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
21. Contact Us
Questions about these Terms of Use or the Website may be directed to RamState Insurance by email at info@ramstateinsurance.com or through the contact information published on ramstateinsurance.com.