Terms of Service

1. Acceptance of Terms

By accessing or using the Kirtland Agency website (“Site”), you agree to be bound by these Terms of Service. If you do not agree, please do not use this Site.

2. Services Provided

Kirtland Agency provides information and services related to insurance, including but not limited to:

  • Insurance quotes

  • Policy information

  • General insurance education

  • Customer service communications

All insurance products are subject to underwriting approval, policy terms, and applicable state laws.

3. No Guarantee of Coverage

Information provided on this Site does not constitute a binding offer of insurance. Coverage is not guaranteed until confirmed in writing by an authorized insurer.

4. User Responsibilities

You agree to:

  • Provide accurate and truthful information

  • Use the Site for lawful purposes only

  • Not attempt to interfere with the Site’s operation or security

5. Intellectual Property

All content on this Site—including text, logos, graphics, and layout—is the property of Kirtland Agency or its licensors and may not be copied, modified, or redistributed without written permission.

6. Third-Party Links

This Site may contain links to third-party websites. Kirtland Agency is not responsible for the content, privacy practices, or accuracy of those sites.

7. Disclaimer of Warranties

The Site is provided “as is” and “as available.” Kirtland Agency makes no warranties regarding accuracy, reliability, or availability of the Site or its content.

8. Limitation of Liability

Kirtland Agency shall not be liable for any damages arising from the use or inability to use this Site, including but not limited to indirect, incidental, or consequential damages.

9. Governing Law

These Terms shall be governed by the laws of the State of Michigan, without regard to conflict-of-law principles.

10. Changes to These Terms

Kirtland Agency may update these Terms at any time. Continued use of the Site constitutes acceptance of any changes.

Contact Information:
Kirtland Agency
Lewiston: 989-786-7350
Mio: 989-826-3494