Terms of Service
Effective Date: July 15, 2026
These Terms and Conditions (“Terms”) govern your access to and use of the Victor Insures You website and online services that link to these Terms. By using our website, submitting a form, requesting information, scheduling a consultation, or otherwise interacting with our website, you agree to these Terms.
If you do not agree to these Terms, please do not use the website.
About Victor Insures You
Victor Insures You provides insurance brokerage, employee benefits consulting, group health insurance support, supplemental benefits support, and related services. Our website is intended to provide general information about our services and to allow businesses and individuals to contact us.
No Guarantee of Coverage, Pricing, or Eligibility
Information on this website does not guarantee insurance coverage, eligibility, carrier approval, plan availability, premium pricing, benefit levels, underwriting results, or any other insurance outcome.
Any quote, proposal, estimate, illustration, or plan discussion is subject to carrier rules, underwriting, eligibility requirements, employer contribution requirements, participation requirements, state availability, plan documents, policy terms, and final carrier approval.
Coverage is not bound, changed, renewed, cancelled, or placed in force through use of this website unless we specifically confirm in writing that coverage has been bound or changed according to applicable carrier and regulatory requirements.
No Legal, Tax, Medical, or Financial Advice
The information on this website is provided for general informational purposes only. It is not legal, tax, medical, financial, or accounting advice. You should consult qualified professionals for advice specific to your situation, including legal counsel, tax advisors, medical professionals, accountants, and other appropriate advisors.
Website Content
We make reasonable efforts to provide accurate and current information, but website content may contain errors, omissions, outdated information, or generalizations. Insurance rules, benefit requirements, carrier offerings, regulations, and market conditions can change.
We may update, modify, remove, or replace website content at any time without notice.
User Responsibilities
When you use our website or submit information to us, you agree to:
- Provide accurate, complete, and current information
- Use the website only for lawful purposes
- Not submit false, misleading, fraudulent, or unauthorized information
- Not interfere with website security, functionality, or availability
- Not attempt to access systems, data, forms, accounts, or information you are not authorized to access
- Not use the website to transmit malware, spam, or harmful code
You are responsible for confirming that any information you provide is accurate and that you have authority to provide it.
Employer and Group Benefits Information
If you submit information on behalf of an employer, business, plan sponsor, employee group, or other organization, you represent that you have authority to provide that information and communicate with us on behalf of that organization.
You are responsible for ensuring that any employee, dependent, plan, claims, compensation, eligibility, or benefits information you provide is shared in compliance with applicable law, internal policies, plan documents, privacy requirements, and authorization requirements.
Forms, Scheduling, and Electronic Communications
Submitting a form, booking a meeting, requesting a quote, or contacting us through the website does not create a binding agreement, insurance policy, broker-of-record relationship, fiduciary relationship, client relationship, or obligation for us to provide services unless and until we agree in writing.
You consent to receive communications from us by email, phone, text message, or other methods based on the contact information you provide. You agree that electronic communications may satisfy legal requirements that communications be in writing, where permitted by law.
Broker of Record and Carrier Requirements
If you request assistance involving a broker-of-record change, agent-of-record change, carrier appointment, renewal, quote, proposal, or plan review, additional documentation may be required. Carrier rules, employer authorization, regulatory requirements, and written confirmations may apply.
No broker-of-record or agent-of-record change is effective unless completed in accordance with applicable carrier and legal requirements.
Third-Party Links and Services
Our website may include links to third-party websites, insurance carriers, benefits administration platforms, scheduling tools, form providers, government resources, social media platforms, or other external resources.
Third-party websites and tools are not controlled by us. We are not responsible for their content, accuracy, availability, security, privacy practices, terms, or services. Your use of third-party websites and tools is at your own risk and subject to their terms and policies.
Intellectual Property
The website, including text, graphics, logos, design, layout, images, videos, icons, service descriptions, and other content, is owned by or licensed to Victor Insures You and is protected by intellectual property laws.
You may view and use website content for personal or internal business evaluation purposes. You may not copy, reproduce, modify, distribute, display, publish, sell, or exploit website content without our prior written permission, except as permitted by law.
Testimonials, Case Studies, and Examples
Testimonials, case studies, examples, and descriptions of client experiences are provided for informational purposes only. They may notrepresent every client experience and do not guarantee similar results.Actual outcomes depend on many factors, including employer size, workforce demographics, carrier market conditions, plan design, contribution strategy, underwriting, participation, claims experience, location, timing, and other factors.
Availability and Website Changes
We do not guarantee that the website will be uninterrupted, secure, error-free, or available at all times. We may suspend, restrict, update, or discontinue any part of the website at any time without notice.
Disclaimer of Warranties
The website and its content are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, availability, and security.
Limitation of Liability
To the fullest extent permitted by law, Victor Insures You and itsowners, employees, agents, contractors, service providers, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or related to your use of the website, your reliance on website content, website errors or interruptions, third-party websites, or communications through the website.
Nothing in these Terms limits liability that cannot be limited under applicable law.
Indemnification
You agree to indemnify, defend, and hold harmless Victor Insures You and its owners, employees, agents, contractors, service providers, and affiliates from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your misuse of the website, your violation of these Terms, your violation of law, or information you submit to us.
Privacy
Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect information. Please review the Privacy Policy carefully.
Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the website will be handled in the state or federal courts located in Texas, unless applicable law requires otherwise.
Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Your continued use of the website after changes are posted means you accept the updated Terms.
Contact Us
If you have questions about these Terms, contact us at:
Victor Insures You
Highland Village, Texas
Email: victor@victorinsuresyou.com
Phone:(214) 226-5988
Website: https://www.victorinsuresyou.com