These Terms of Service govern your use of Stone Agency’s website, forms, and services:

1. Use of Services

You must be 18 or older to request insurance services.

Information you submit must be accurate and truthful.

2. No Guarantee of Coverage

Submitting a form does not guarantee policy issuance. Policies are subject to carrier underwriting guidelines.

3. Consent to Communications

By checking the consent box, you authorize Stone Agency to contact you via phone, SMS, or email.

You may opt out at any time.

4. Compliance

Stone Agency operates under the laws of Montana and complies with applicable federal laws (TCPA, CAN-SPAM, HIPAA where applicable).

5. Limitation of Liability

Stone Agency is not responsible for carrier underwriting decisions or third-party delays. Our liability is limited to the fullest extent permitted by Montana and federal law.

6. Governing Law

These Terms are governed by Montana law and applicable federal statutes.

7. Updates

We may revise these Terms. Continued use of our services constitutes acceptance of any updates.