1. Acceptance of Terms

These Website Terms & Conditions ("Terms") govern your access to and use of www.schadins.com, www.hoainsurance.io, and any other website, landing page, online form, digital resource, or online service owned or operated by Schad Agency, Inc. and linked to these Terms (collectively, the "Website"). By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.

These Terms apply to Website use only. Insurance policies, quotes, applications, binders, endorsements, certificates, claims, and payments may be governed by separate carrier documents, policy language, applications, billing terms, agency agreements, or applicable law.

2. About Schad Agency

Schad Agency, Inc. is a Colorado-based independent insurance agency licensed in multiple states. We provide personal insurance, commercial insurance, community association insurance, condominium and HOA master policy insurance, townhome association insurance, renters insurance, flood insurance, umbrella insurance, life insurance, and related insurance products and services. Insurance products and services may not be available in every state or for every risk.

3. No Coverage Bound, Changed, Cancelled, or Reinstated Online Unless Confirmed

Submitting a form, sending an email, leaving a voicemail, sending a text message, using social media, uploading documents, requesting a quote, requesting a certificate, reporting a claim, or making a payment through the Website does not bind, change, cancel, reinstate, renew, or otherwise modify any insurance coverage unless and until confirmed in writing by an authorized representative of Schad Agency and, where required, by the applicable insurance carrier.

Coverage can be bound, changed, cancelled, reinstated, or renewed only in accordance with the applicable insurance policy, carrier underwriting rules, agency authority, and applicable law. Do not assume coverage exists or has changed until you have received written confirmation.

4. Quotes and Coverage Information

Any insurance quote, estimate, indication, proposal, premium, deductible, coverage summary, comparison, or recommendation provided through or in connection with the Website is for informational purposes only and is subject to underwriting review, carrier approval, eligibility, inspection, payment, signed applications, required documents, and applicable policy terms. Quotes are not guarantees of coverage, pricing, eligibility, or policy issuance.

Actual coverage is determined solely by the terms, conditions, exclusions, endorsements, definitions, limits, and declarations of the applicable insurance policy as issued by the insurance carrier. Summaries on the Website are not substitutes for reviewing the actual policy language.

5. Educational Content and No Professional Advice

Articles, blog posts, videos, webinars, checklists, guides, calculators, advertisements, social media content, AI-assisted content, and other educational materials published by Schad Agency are provided for general informational purposes only. They do not constitute legal, tax, financial, engineering, appraisal, risk management, or professional advice. You should consult qualified professionals regarding your specific situation.

Insurance examples are general in nature and may not apply to your policy, state, claim, property, association, business, or coverage situation. Coverage depends on the actual policy language and the facts of the claim or request.

6. Claim Reporting Disclaimer

Information on the Website about claims is general. Reporting a claim to Schad Agency through the Website, by email, by voicemail, or by text message may not satisfy your policy obligations unless confirmed by the applicable carrier or required process. Many policies require prompt notice directly to the insurance carrier or through specified claims channels. If you have an urgent claim, contact your insurance carrier directly and notify Schad Agency as soon as possible.

7. Certificate Requests

Certificate requests submitted through the Website or by email are not guaranteed to be completed immediately. Certificates are issued subject to policy terms, carrier rules, agency authority, business hours, and the information provided. A certificate of insurance is evidence of coverage only and does not amend, extend, or alter the insurance policy.

8. Online Payments

Online payment tools may be made available for convenience. Making a payment through an online link does not guarantee that coverage is bound, renewed, reinstated, or continued unless confirmed by the applicable carrier or authorized representative. Payment processing may be handled by third-party payment processors, and their terms and privacy policies may apply.

9. User Responsibilities

You agree to provide accurate, current, and complete information when using the Website or requesting insurance services. You are responsible for reviewing applications, proposals, policies, certificates, invoices, and other documents for accuracy and notifying us promptly of errors or changes.

You agree not to use the Website for unlawful, fraudulent, abusive, harmful, or unauthorized purposes, including attempting to interfere with Website operation, access non-public systems, upload malicious code, scrape content without authorization, impersonate others, or submit false information.

10. Intellectual Property

The Website and its content, including text, articles, blog posts, videos, graphics, designs, logos, photographs, downloadable materials, educational resources, checklists, calculators, advertisements, presentations, branding, and other materials are owned by Schad Agency or its licensors and are protected by copyright, trademark, and other intellectual property laws.

The names and brands Schad Agency, HOAInsurance.io, Claim Crusher, Policy Pop, Addie, and related logos, slogans, characters, graphics, and creative concepts are trademarks, service marks, trade names, or proprietary brand assets of Schad Agency, whether registered or unregistered. You may not copy, reproduce, modify, publish, distribute, display, create derivative works from, or commercially exploit Website content without our prior written permission.

You may view, download, or print Website materials for your own personal or internal business use, provided you do not remove copyright, trademark, or proprietary notices and do not use the materials in a misleading or competitive manner.

11. User Submissions

If you submit comments, reviews, testimonials, suggestions, questions, feedback, images, documents, or other content to us, you grant Schad Agency a non-exclusive, worldwide, royalty-free license to use, reproduce, display, distribute, and create derivative works from such content for the purpose for which it was submitted and for legitimate business, marketing, service, recordkeeping, compliance, or operational purposes, subject to our Privacy Policy and applicable law.

Do not submit information you are not authorized to provide. You are responsible for the accuracy and legality of information you submit.

12. Electronic Communications

By contacting us electronically, submitting forms, requesting quotes, or opting into communications, you consent to receive communications from us by email, phone, text message, mail, or other methods related to your inquiry, insurance services, policies, quotes, claims, payments, renewals, and customer service. Marketing communications will be sent only where permitted by law and your communication preferences.

Electronic communications may not be secure. You should avoid sending highly sensitive information by email or text message unless appropriate safeguards are used.

13. SMS/Text Messaging

If you opt in to receive SMS/text messages from Schad Agency, your participation is governed by our SMS Terms & Conditions and Privacy Policy. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent to receive SMS messages is not required as a condition of purchasing insurance products or services.

14. Third-Party Links and Services

The Website may contain links to third-party websites, carrier portals, payment processors, scheduling tools, document signing platforms, social media sites, analytics providers, advertising platforms, or other external services. We are not responsible for the content, security, availability, privacy practices, or terms of third-party websites or services. Use them at your own risk.

15. Website Availability and Accuracy

We work to keep the Website accurate and available, but we do not guarantee that the Website will be uninterrupted, error-free, secure, current, or free from viruses or other harmful components. Website content may be updated, removed, or changed at any time without notice.

16. No Warranties

The Website and all content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Schad Agency disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security.

17. Limitation of Liability

To the fullest extent permitted by law, Schad Agency, its owners, officers, employees, representatives, agents, affiliates, vendors, and licensors shall not be liable for any indirect, incidental, consequential, special, punitive, exemplary, or similar damages arising out of or relating to the Website, Website content, electronic communications, third-party services, or these Terms, even if advised of the possibility of such damages.

Nothing in these Terms limits liability that cannot be limited under applicable law. Any insurance-related rights or obligations are governed by the applicable policy and law, not by these Website Terms.

18. Indemnification

You agree to defend, indemnify, and hold harmless Schad Agency, its owners, officers, employees, representatives, agents, affiliates, vendors, and licensors from and against any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Website, your violation of these Terms, your violation of law, your infringement of another person's rights, or information you submit.

19. Termination or Restriction of Access

We may suspend, restrict, or terminate access to the Website at any time and for any reason, including suspected misuse, security concerns, unlawful activity, or violation of these Terms.

20. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on the Website with a revised effective date. Continued use of the Website after updated Terms are posted constitutes acceptance of the updated Terms.

21. Governing Law and Venue

These Terms are governed by the laws of the State of Colorado, without regard to conflict of law rules, except to the extent another law applies by operation of law. Venue for disputes relating to these Terms or the Website shall lie in the appropriate state or federal courts located in Colorado, unless otherwise required by applicable law.

22. Contact

Questions about these Terms may be sent to:
Schad Agency, Inc.
433 Summit Blvd Unit 101
Broomfield, Colorado 80021
Phone: (303) 661-0083
Email: info@schadins.com
Website: www.schadins.com