Terms of Service

1. Agreement to Terms

By accessing, browsing, scheduling a consultation, or using the website tedhansoninsurance.com (the "Website"), you agree to be bound by these Terms of Service (the "Terms") and all applicable local, state, and federal laws and regulations.

The Website is owned and operated by Theodore Hanson (licensed insurance agent, TN License #981776, NPN #9772148). If you do not agree to these terms, you are prohibited from using or accessing this site.

2. Intellectual Property Rights

The contents of this Website—including but not limited to text, articles, editorial risk management guides (e.g., the "Exposed Wealth" Model, the "Sigma-Based" Model, the "Judgment Proof" Model, etc.), design graphics, logos, and licensing code—are the intellectual property of Theodore Hanson, unless otherwise credited, and are protected by United States copyright and trademark laws.

You are granted a limited, non-exclusive, non-transferable, and revocable license to access the Website and read the insights for personal, non-commercial educational purposes. You may not copy, scrape, republish, redistribute, or modify any proprietary content from this site without explicit written permission from Theodore Hanson.

3. No Professional Advice or Broker-Client Relationship

The information published on this Website is compiled for general informational, strategic modeling, and educational purposes only.

4. Disclaimer of Warranties

The materials on the Website are provided on an "as is" and "as available" basis. Theodore Hanson makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

Furthermore, I do not warrant or make any representations concerning the absolute accuracy, likely results, or reliability of the use of the materials on this Website or otherwise relating to such materials on any sites linked to this Website.

5. Limitations of Liability

In no event shall Theodore Hanson or his agency affiliates be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Website, even if Theodore Hanson has been notified orally or in writing of the possibility of such damage.

6. Links and Embedded Services

The Website contains integrations with third-party software (such as Google Calendar) and links to external databases (such as the SBS/NAIC credential lookup system). Theodore Hanson has not reviewed all of the content of linked external sites and is not responsible for the contents or data policies of any such linked site. The inclusion of any link does not imply endorsement by Theodore Hanson. Use of any such linked website is at the user's own risk.

7. Governing Law & Jurisdiction

Any claim, dispute, or litigation relating to this Website or these Terms of Service shall be governed by, construed, and enforced in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions.

By using this site, you agree to submit to the exclusive personal jurisdiction and venue of the state and federal courts located in or serving Springfield, Robertson County, Tennessee, for the resolution of any disputes.

8. Modifications

Theodore Hanson reserves the right to revise these Terms of Service for the Website at any time without prior notice. By using this Website, you agree to be bound by the then-current version of these Terms.