Terms of Use

Welcome to the website of Iron & Oak Insurance, LLC. (“Iron & Oak,” “we,” “us” or “our”). By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

Informational Purpose Only

The content on this website is provided for general informational purposes only. It does not constitute insurance, an offer of insurance, an insurance binder, a coverage determination, professional advice, or a solicitation in any jurisdiction where Iron & Oak is not licensed. Nothing on this website should be relied upon as a substitute for a direct conversation with a licensed representative about your specific situation.

No Insurance Coverage Created

Submitting information through this website does not bind, alter, extend or terminate any insurance coverage. Insurance coverage is subject to applicable policy terms, conditions, exclusions, underwriting requirements, carrier eligibility and state availability. Please review our Website & Insurance Disclaimer for more information.

Licensing and Service Area

Iron & Oak Insurance, LLC. is an independent insurance agency. Products and services described on this website are offered only where Iron & Oak and its carriers are properly licensed and authorized, which currently includes Tennessee, Mississippi and Arkansas, subject to applicable underwriting and eligibility requirements.

Acceptable Use

You agree that you will not:

• Use the website for any unlawful purpose or in violation of these Terms of Use
• Attempt to gain unauthorized access to the website, its servers or any connected systems
• Interfere with, disrupt or place undue burden on the website or its infrastructure
• Introduce viruses, malware or other harmful code
• Submit false, misleading or fraudulent information
• Copy, reproduce, or redistribute website content without permission

SMS Communications

By providing your mobile phone number and opting in through our website, you agree to receive text messages from Iron & Oak Insurance, LLC. related to your insurance inquiry and, if you separately opt in, general updates and communications from our agency. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP, or get help by replying HELP or contacting us at 901-810-3150. Consent to receive SMS messages is not a condition of purchasing any insurance product or service. See our Privacy Policy for more information on how we handle your information.

Intellectual Property

The content on this website — including text, graphics, logos, photography and the Iron & Oak name and marks — is owned by or licensed to Iron & Oak Insurance, LLC. and is protected by applicable intellectual property laws. You may not use this content without our prior written permission, except as reasonably necessary to view and use the website for its intended purpose.

Third-Party Links

This website may contain links to third-party websites or resources. We provide these links for convenience only and do not control, endorse or assume responsibility for the content, policies or practices of any third-party website.

Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the website will be uninterrupted, error-free or free of harmful components, or that the information provided is complete, accurate or current.

Limitation of Liability

To the fullest extent permitted by law, Iron & Oak Insurance, LLC. and its members, employees and representatives will not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or related to your use of, or inability to use, this website.

Governing Law

These Terms of Use are governed by the laws of the State of Tennessee, without regard to its conflict-of-law principles, unless otherwise required by applicable law.

Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will revise the “Last Updated” date shown at the top of this page. Your continued use of the website after changes are posted constitutes your acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Use, please contact Iron & Oak Insurance, LLC. at 901-810-3150, by email at [email protected], or through our Contact page. Please also review our Privacy Policy.