Terms and Conditions

Terms & Conditions For Your Virtual Agent, LLC

Effective Date: 12/01/2025

1. Acceptance of Terms

By using our Services, you agree to be bound by these Terms & Conditions. Discontinue use if you do not agree.

2. Nature of Services

Your Virtual Agent, LLC is NOT an insurance carrier. We provide administrative, operational, communication-based, and consulting support services related to insurance workflows. We do not bind coverage, issue insurance policies, or guarantee eligibility.

3. Eligibility

Users must be at least 18 and legally able to enter contracts in Texas.

4. User Accounts

You agree to provide accurate information, maintain account security, and accept responsibility for account activity. We may suspend or terminate accounts for violations.

5. No Professional or Legal Advice

Content is not legal, financial, or professional advice. Consult licensed professionals directly.

6. Texas-Specific Disclosures

These Terms are governed by Texas law. Any disputes shall be brought exclusively in Collin County, Texas. All insurance carrier relationships remain separate from your use of our services.

7. Electronic Signatures & Consent

You consent to electronic records, signatures, and communications. Electronic signatures are legally binding.

8. Marketing, Promotions & SMS Communications

By providing your number, you consent to receiving transactional and promotional SMS/MMS messages. Frequency may vary. You may opt out by replying STOP.

9. TCPA Compliance Notice

You consent to receive communications that may be delivered via automated dialers, prerecorded voice systems, SMS/MMS, or manual dialing. Consent is not required to make purchases.

Users may not misuse the Services, submit false information, interfere with systems, reverse engineer code, upload malicious software, or impersonate insurance professionals or carriers.

11. Intellectual Property

All site content, logos, trademarks, software, and materials belong to Your Virtual Agent, LLC. Users receive a limited, non-transferable license for lawful use.

12. Third-Party Services & Links

Use of our Services is governed by our Privacy Policy, which is incorporated into these Terms.

13. Data & Privacy

Use of our Services is governed by our Privacy Policy, which is incorporated into these Terms.

14. Payment Terms (If Applicable)

All fees are final unless otherwise stated. Subscription services may auto-renew. Chargebacks for valid transactions may result in termination.

15. Disclaimer of Warranties

Services are provided AS IS without warranties regarding accuracy, fitness for a particular purpose, uptime, or error-free performance.

16. Limitation of Liability

To the fullest extent permitted by Texas law, Your Virtual Agent, LLC is not liable for indirect, incidental, punitive, or consequential damages. Maximum liability is limited to amounts paid in the previous 12 months.

17. Indemnification

Users agree to indemnify the Company against claims arising from misuse, violations of these Terms, or interactions with insurance carriers.

18. Termination

We may suspend or terminate accounts for violations, fraud, non-payment, regulatory requirements, or security risks.

19. Modifications to Terms

We may update these Terms at any time. Continued use constitutes acceptance.

20. Governing Law

Governed by Texas law. Venue: Rockwall County, Texas.

21. Contact Information