These Terms of Service ("Terms") govern your use of the website franklininsurancesolutions.com ("Site"), our chat widget, our contact forms, and our text messaging services, all operated by Franklin Insurance Solutions LLC ("Franklin Insurance," "we," "us," or "our"). By using the Site or our services, you agree to these Terms.
1. About Franklin Insurance Solutions
Franklin Insurance Solutions LLC is an independent, MBE-certified commercial insurance brokerage licensed and operating from Houston, Texas. We act on behalf of clients to find and place commercial and personal insurance coverage with A-rated insurance carriers. We are compensated by carriers via standard broker commissions, not by direct fees to clients in most cases.
2. Information Provided on the Site
Information on the Site is provided for general informational purposes only. It is not a substitute for actual insurance policy terms or professional insurance advice. Coverage, eligibility, premiums, and policy terms vary by carrier and individual circumstances. Nothing on the Site constitutes a binding offer or policy of insurance.
3. Quotes, Inquiries, and Submissions
When you submit a quote request, contact form, chat widget message, or other inquiry, you authorize Franklin Insurance Solutions LLC to use the information you provide to research coverage options on your behalf, including sharing relevant information with insurance carriers and underwriters. We will not bind any coverage or issue any policy without your explicit approval.
4. SMS / Text Messaging Communications
4.1 Frequency and rates
Message frequency varies, typically 1–4 messages per month. Standard message and data rates may apply per your wireless carrier's plan. We do not charge a fee to send or receive SMS messages.
4.2 Opt-out and HELP
You may opt out of receiving SMS messages at any time by replying STOP to any message we send. We honor opt-out requests immediately upon receipt and will send no further automated messages to that number unless you explicitly opt back in. For help, reply HELP, and you will receive a message with our contact information.
4.3 Consent is not required for service
Consent to receive SMS messages is not a condition of obtaining a quote, purchasing insurance, or receiving services from Franklin Insurance Solutions LLC. Phone and email alternatives are always available.
4.4 Carrier disclosure
Wireless carriers are not liable for delayed or undelivered messages. We are not responsible for delays, errors, or omissions caused by your wireless carrier or service.
5. Age Restriction (18+)
Our services and SMS messaging program are intended only for individuals who are eighteen (18) years of age or older. By using this Site, submitting any form, opting in to SMS messages, or otherwise interacting with Franklin Insurance Solutions LLC, you represent and warrant that you are at least eighteen (18) years of age.
If you are under 18, do not submit any form, do not opt in to SMS messages, and do not provide your phone number or any personal information to us. We do not knowingly accept SMS opt-ins or quote requests from individuals under 18. If we learn that we have collected information from a person under 18, we will delete that information promptly.
Parents and legal guardians who become aware that a person under 18 has provided information to us may contact us at [email protected] or (832) 590-3955 to request deletion.
6. Privacy
Our collection, use, and protection of personal information is governed by our Privacy Policy. By using this Site or our services, you also agree to the terms of our Privacy Policy, including the SMS Messaging Policy section that explains how we handle phone numbers, SMS consent, and the fact that no mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
For full details, please review our Privacy Policy.
7. Use of the Site
You agree to use the Site lawfully and in good faith. You will not:
- Submit false or misleading information through any form.
- Interfere with the operation of the Site or attempt to access non-public areas.
- Use the Site or our SMS services to harass, abuse, or send spam.
- Reverse engineer, scrape, or harvest information from the Site without our written consent.
8. Intellectual Property
The Site, including its text, graphics, logos, and content, is owned by or licensed to Franklin Insurance Solutions LLC and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.
9. Disclaimers
The Site and all information on it are provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
10. Limitation of Liability
To the maximum extent permitted by law, Franklin Insurance Solutions LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or our services. Our total liability for any claim arising from these Terms or your use of the Site is limited to $100 USD.
11. Indemnification
You agree to indemnify and hold harmless Franklin Insurance Solutions LLC and its officers, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site.
12. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of the Site will be resolved in the state or federal courts located in Harris County, Texas.
13. Changes to These Terms
We may update these Terms from time to time. We will post updated Terms on this page with a new "Last updated" date.
14. Contact Us
If you have questions about these Terms, contact us at:
Franklin Insurance Solutions LLC
1334 Brittmoore Rd, Suite 1000B
Houston, TX 77043
[email protected]
(832) 590-3955