Legal Terms and Conditions

Legal Terms

Agreement and Conditions of Website Use 

Welcome to the website of Wilson & Company Insurance, LLC (“the Agency,” “we,” “us,” or “our”). By accessing, browsing, or using https://wlsn.co/ (the “Website”), you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions of Use (“Terms”), our Privacy Policy, and all applicable state and federal laws. If you do not agree to all provisions of these Terms, please immediately exit this Website and cease all utilization of our online services. 

Website Provided for General Informational Purposes Only – 

The content, resources, blog articles, plan details, and tools displayed on this Website are provided solely for general informational, educational, and reference purposes. 

  • No Professional Advice: The information on this Website does not constitute engineering, legal, tax, financial, or specific professional insurance advice. You should consult qualified legal counsel, financial advisors, or certified insurance specialists before making decisions based on general web content. 
  • Accuracy of Information: We strive to maintain accurate, up-to-date information. However, we do not warrant that plan details, drug formularies, carrier networks, or premium estimates displayed on this Website are entirely accurate, complete, reliable, or free of clerical errors. 

Absolute Disclaimer of Bound Insurance Coverage CRITICAL NOTICE TO ALL USERS: No insurance coverage can be bound, altered, modified, or terminated through this Website, our online contact forms, email addresses, or SMS communications. 

Submitting a quote request, sending an email inquiry, or engaging in a text message conversation with an agency representative does NOT constitute an active insurance binder, policy issuance, or coverage placement. Insurance coverage can only be legally bound, amended, or canceled upon direct, formal verification from a licensed agent and the receipt of a written policy confirmation issued by the underwriting insurance carrier. 

Permitted Personal Use and Prohibited Conduct 

We grant you a limited, revocable, non-exclusive, and non-transferable license to access and make personal, non-commercial use of this Website. You agree to use the site only for lawful purposes. 

You are strictly prohibited from: 

  • Using the Website in any manner that could disable, overburden, damage, or impair site infrastructure or interfere with other users’ access. 
  • Attempting to gain unauthorized access to our servers, hosting databases, or secure systems. 
  • Introducing malware, trojan horses, viruses, logic bombs, or other malicious code. 
  • Utilizing automated systems, web scrapers, bots, spiders, or extraction tools to harvest data, contact lists, or user information without our prior written consent. 
  • Framing or using framing techniques to enclose our logos, proprietary trademarks, layouts, or forms on any external domain. 
  • Misrepresenting your identity, providing false contact details, or attempting to impersonate any other person or entity. 

Electronic Communications Policy 

By visiting our Website, submitting forms, or communicating with us via email, you are communicating with us electronically. You consent to receive transactional and informational communications from us electronically. We will communicate with you by email, SMS, or by posting legal notices on this Website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. 

Intellectual Property Rights and Trademark Protections 

All content displayed on this Website—including but not limited to text, blog posts, graphics, logos, brand names, service marks, custom icons, audio clips, digital downloads, data compilations, and software—is the exclusive property of Wilson & Company Insurance, LLC, its affiliates, or its represented insurance carriers, and is fully protected by United States and international copyright, trademark, and intellectual property laws. No license or right is granted to reproduce, duplicate, copy, sell, exploit, or distribute any part of this Website or its intellectual property without our express, written authorization. 

Licensing Disclosures 

Medicare Compliance In accordance with state and federal insurance regulations, the Agency provides the following licensing and contact details: 

  • Wilson & Company Insurance, LLC is headquartered at 802 Rainbow Drive, Suite 200, Washington, Missouri 63090. 
  • The Agency and its individual representatives are licensed, certified independent insurance brokers. 
  • Office Hours: Monday through Friday, 9:00 AM to 5:00 PM Central Standard Time (excluding national holidays). 
  • Medicare TPMO Disclaimer: We do not offer every plan available in your area. Currently, we represent [X number of] organizations which offer [X number of] products in your area. Please contact Medicare.gov or your local State Health Insurance Program (SHIP) to get information on all of your options. 

Disclaimer of Warranties and Limitation of Liability 

THIS WEBSITE AND ALL OF ITS CONTENT, SERVICES, PRODUCTS, AND DIAGRAMS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. 

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE STATE AND FEDERAL LAW, WILSON & COMPANY INSURANCE, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE, ITS SECURE SERVERS, OR EMAILS SENT FROM OUR DOMAIN ARE FREE OF COMPUTER VIRUSES, MALFUNCTIONAL CODE, OR OTHER HARMFUL COMPONENTS. 

UNDER NO CIRCUMSTANCES SHALL THE AGENCY, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF OR INABILITY TO USE THIS WEBSITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSSES.  

Indemnification 

You agree to defend, indemnify, and hold harmless Wilson & Company Insurance, LLC, its subsidiaries, affiliates, officers, directors, employees, and licensed agents from and against any and all claims, liabilities, damages, judgments, losses, costs, expenses, or attorney’s fees arising out of your violation of these Terms, your unauthorized use of site content, or any breach of your representations and warranties outlined herein. 

Governing Law and Dispute Resolution 

These Terms and your use of this Website shall be governed by, construed, and enforced in accordance with the laws of the State of Missouri, without regard to its principles of conflict of laws. Any dispute, legal claim, or controversy relating in any way to your visit, interaction, or transaction with this Website shall be submitted to confidential, binding arbitration in Washington, Franklin County, Missouri, conducted under the prevailing commercial rules of the American Arbitration Association (AAA). The arbitrator’s ruling shall be binding and may be entered as a formal judgment in any court of competent jurisdiction. To the fullest extent permitted by law, no arbitration under these Terms shall be joined to an arbitration involving any other party, and class-action arbitrations are strictly prohibited. 

Severability and Complete Agreement 

If any provision of these Terms is deemed by a court of competent jurisdiction to be invalid, void, or unenforceable, that specific condition shall be deemed severable and shall not affect the validity, legality, or enforceability of any remaining provisions, which shall continue in full force and effect. These Terms, along with our Privacy Policy, constitute the entire agreement between you and the Agency regarding your use of this Website.