Effective date: October 30, 2026
These Terms of Service ("Terms") govern your access to and use of kenknudsen.com (the "Site") operated by Ken Knudsen Insurance ("Company," "we," or "us"). By accessing the Site, you agree to these Terms. If you do not agree, do not use the Site.
The Site provides general information about insurance products, educational articles, and forms to request contact or quotes. Content is for informational purposes only and does not constitute a binding offer of insurance, legal advice, tax advice, or a recommendation suitable for every individual circumstance. Coverage is subject to underwriting approval, policy forms, exclusions, and conditions issued by the applicable insurance carrier.
Submitting a form or browsing the Site does not automatically create an agency relationship or obligate the Company to provide coverage. A relationship is established only when both you and the Company agree in writing or when a policy is bound according to carrier requirements and applicable law.
You must be at least 18 years old and capable of entering a binding contract to use interactive features. You represent that information you provide is accurate and that you will update it when material changes occur.
You may use the Site for lawful personal or business inquiry purposes. You agree not to:
Any premiums, plan tiers, or savings examples displayed on the Site are illustrative unless confirmed in a formal quote document. Final pricing depends on rating factors including property characteristics, claims history, coverage limits, deductibles, and carrier filings. We reserve the right to modify displayed examples without notice.
When you submit a form, you consent to being contacted by email or other channels you provide regarding your inquiry. Client-side confirmation messages on the Site indicate that your submission was received by the browser validation layer only; transmission depends on your hosting environment if backend processing is later enabled.
The Site design, logos, text, graphics, and compilation are owned by the Company or licensed to us. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works without prior written permission, except as allowed by fair use or applicable law.
Products described on the Site may be underwritten by independent insurance companies. Those carriers are solely responsible for policy obligations. Links to third-party sites are provided for convenience; we do not control and are not responsible for their content or privacy practices.
THE SITE AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES RELATING TO THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD) OR THE AMOUNT YOU PAID TO US FOR SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
You agree to indemnify and hold harmless the Company from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, or infringement of third-party rights.
Our collection and use of personal information is described in the Privacy Policy, which is incorporated into these Terms by reference.
If you subscribe to newsletters, you agree to receive recurring emails until you unsubscribe via the link provided or the unsubscribe page. We may send service-related messages even if you opt out of marketing where permitted.
We may revise these Terms at any time by posting an updated version with a new effective date. Continued use after changes constitutes acceptance. If you disagree with changes, stop using the Site.
These Terms are governed by the laws applicable in the jurisdiction where the Company is licensed to conduct insurance business, without regard to conflict-of-law rules. Parties agree to attempt good-faith resolution before pursuing formal proceedings. Where permitted, you agree that exclusive venue for disputes relating to the Site lies in courts of competent jurisdiction in that locale.
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
These Terms, together with the Privacy Policy and any written agreements for insurance services, constitute the entire agreement regarding use of the Site.
Questions about these Terms may be sent to contact@kenknudsen.com.
