terms of service

Effective Date: May 20, 2025

Welcome to InsuranceByPKS.com. By accessing and using this website, you agree to the following terms and conditions. If you do not agree with any part of these terms, please do not use our website or services.

InsuranceByPKS.com is an independently owned and operated insurance agency. We provide life and health insurance advice, quotes, and related services in partnership with licensed insurance carriers.

By using this website, you represent that you are at least 18 years old and legally able to enter into binding contracts. You agree to use this website only for lawful purposes and in accordance with these Terms of Service.

You may not:

• Use this site to engage in any fraudulent activity
   
• Attempt to gain unauthorized access to any part of the site or its systems
   
• Interfere with the site’s operation or attempt to bypass security features
   

We offer:

• Information and guidance about life and health insurance products
   
• Assistance in obtaining quotes and coverage from licensed insurance carriers
   
• Educational content about financial protection and insurance planning
   

Please note: InsuranceByPKS.com is not an insurance carrier. All final decisions regarding coverage and underwriting are made by the insurance companies we work with.

We strive to keep all content on this website accurate and up to date. However, we cannot guarantee that all information, including pricing or coverage availability, is error-free or complete at all times. Insurance products are subject to change, availability, and approval by insurers.

Content on this site is provided for general informational purposes only. It is not intended as legal, tax, or financial advice. For personalized advice, you should consult with a licensed insurance agent, attorney, or financial advisor.

Your use of this site is also governed by our Privacy Policy. By submitting personal information through the site, you consent to the collection and use of that information in accordance with the policy, including sharing it with our licensed insurance partners for the purpose of serving your insurance needs.

This website may include links to third-party sites or insurance carrier portals. These links are provided for your convenience only. We are not responsible for the content, accuracy, or practices of any linked site.

We provide this site and its content on an “as-is” and “as-available” basis. We make no warranties or guarantees regarding the availability, accuracy, or reliability of the website or the information provided.

We may update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes are made constitutes your acceptance of the revised terms.

These Terms of Service shall be governed by and interpreted in accordance with the laws of the State of Georgia, without regard to its conflict of laws principles.

If you have any questions about these terms, please contact:

📧 Email: info@insurancebypks.com
🌐 Website: https://www.insurancebypks.com