Terms of Service.

1. Agreement to these terms

This website is operated by Beyond Insurance Group LLC, a Michigan limited liability company and licensed independent insurance agency ("Beyond," "we," "us" or "our"). By using this website, submitting a form, uploading a document, or texting or emailing us through a link on this site, you agree to these Terms of Service and to our Privacy Policy. If you don't agree, please don't use the website.

2. Information only, not professional advice

The content on this website, including coverage descriptions and frequently asked questions, is general information to help you understand insurance. It is not legal, tax or financial advice, and it doesn't describe the terms of any particular policy. Coverage is determined only by the actual policy issued by the insurance company, including its declarations, terms, conditions, limits and exclusions. If anything on this site differs from your policy, your policy controls.

3. Quotes and applications

• A quote is not coverage. Quotes are estimates based on the information you provide and the insurance company's rates and underwriting rules at that time. Final premiums and eligibility are set by the insurance company and may change.
• Submitting a form doesn't start a policy. No coverage is bound, changed or cancelled until you speak with a licensed agent at Beyond and receive written confirmation from us or the insurance company.
• Don't use the website, email, voicemail or text to make urgent changes such as binding, cancelling or changing coverage, or adding a driver or vehicle, unless a licensed agent confirms the change back to you.
• Report claims directly to your insurance company. Your carrier's claim number is on your policy and ID cards. We're happy to help, but a message to us is not a claim report to your insurer.

4. Accurate information

Please give complete and truthful answers when you request a quote or apply for coverage. Insurance companies rely on that information. Incorrect, incomplete or misleading information can change your price, lead to a denied claim, or cause a policy to be cancelled or voided. By submitting information about other people (for example, other drivers or household members), you confirm you have their permission to share it with us.

5. Where we can help

Beyond is licensed to sell insurance only in the states listed on our Licenses page. Nothing on this website is an offer to sell, or a solicitation of, insurance in any state where we are not licensed. Not every product or carrier is available in every state, and all coverage is subject to the insurance company's underwriting approval.

6. How we're paid

As an independent agency, we're usually paid a commission by the insurance company when a policy is sold or renewed. Some insurance companies may also pay us additional compensation based on things like the overall volume, growth or profitability of the business we place with them. If we ever charge a fee for a service, we'll tell you about it in writing, before you agree to it, and only where state law allows. You may ask us about our compensation at any time.

7. Electronic communications and text messages

By contacting us online, you agree that we may reply and send you documents (such as quotes, applications, ID cards and policy documents) electronically, by email or through secure links. You can ask for paper copies at any time.

If you give us your mobile number and agree to receive texts, we may send messages about your quote, your policy and our service. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time or HELP for help. Agreeing to receive texts is not a condition of buying any product or service. Mobile carriers are not liable for delayed or undelivered messages. See the "Text messages (SMS)" section of our Privacy Policy for full details.

8. Documents you upload

When you upload a document (for example, a declarations page, driver's license or inspection report), you confirm you have the right to share it and that it doesn't contain anything unlawful or harmful. Please don't upload or send full Social Security numbers, bank account or credit card numbers through website forms, email or text. If we need that information, we'll arrange a secure way to collect it.

9. Third-party services and links

This website uses or links to services run by others, including our form provider (Cognito Forms), insurance company websites and our social media pages. Those services have their own terms and privacy policies, and we're not responsible for their content or practices. A link doesn't mean we endorse everything on the linked site.

10. Acceptable use

Please don't misuse this website. That includes trying to break in or disrupt it, submitting false or someone else's information without permission, sending spam or harmful files, or copying the site's content for commercial use.

11. Our content

The Beyond name, pine tree logo, text, design and images on this website belong to Beyond Insurance Group LLC or are used with permission. You may view and print pages for your own personal use. Insurance company names and logos belong to their owners.

12. Disclaimers

We work to keep this website accurate and available, but it's provided "as is" and "as available." To the fullest extent allowed by law, we don't promise that the site will be error-free, uninterrupted or free of viruses, or that information on it is complete or current. Insurance rules, rates and products change often.

13. Limitation of liability

To the fullest extent allowed by law, Beyond and its owners, employees and agents will not be liable for any indirect, incidental, special or consequential damages that result from your use of, or inability to use, this website. This section applies to your use of the website. It does not limit any duty we owe you as your licensed insurance agent under state law.

14. Governing law

These terms are governed by the laws of the State of Michigan, without regard to its conflict-of-law rules. Any dispute about this website will be handled in the state or federal courts located in Macomb County, Michigan, unless the law of your state requires otherwise.

15. Changes to these terms

We may update these terms from time to time. The "Last updated" date at the top shows when they last changed. Continuing to use the website after a change means you accept the updated terms.

16. Contact us

Questions about these terms? Contact Beyond Insurance Group LLC at 46819 Garfield Rd, Macomb, MI 48044, call or text (248) 220-3331, or email team@beyond.insure.