Terms and Conditions
Updated: 12/12/2024
Welcome to FCI Agency. By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully. If you do not agree to these Terms, you may not access or use our services.
1. General Terms
These Terms govern your use of FCI Agency’s services, including but not limited to accessing our website, communicating with our team, and participating in SMS communications.
By using our services, you affirm that you are at least 18 years old or have obtained consent from a parent or legal guardian.
FCI Agency operates in South Carolina and complies with all applicable state and federal laws.
2. SMS Communications
FCI Agency provides SMS communications to enhance your experience. By opting in to receive SMS communications, you agree to the following terms:
2.1 Types of SMS Communications
By consenting, you may receive SMS messages related to:
Appointment reminders.
Insurance policy updates or notifications.
Follow-ups on claims, quotes, or inquiries.
Customer service communications and confirmations.
Example message:
"Thank you for contacting FCI Agency. How can we assist you? Reply STOP to opt-out at any time. Message and data rates may apply. For assistance, text HELP or visit our Privacy Policy and Terms and Conditions."
2.2 Message Frequency
You may receive SMS messages a few times per month, depending on the nature of your interaction with FCI Agency.
2.3 Fees and Charges
Standard message and data rates may apply. These charges are determined by your mobile carrier and may vary depending on your plan, location, and carrier pricing. FCI Agency is not responsible for any charges incurred for sending or receiving SMS messages.
2.4 Opt-In Method
By contacting FCI Agency about services or interacting with us through our business, you consent to receive SMS communications. You may also opt in by providing your phone number via forms or other intake processes.
2.5 Opt-Out Method
You may opt out of SMS communications at any time by replying "STOP" to any message you receive from us. After opting out, you will no longer receive SMS communications unless you choose to opt back in by replying "START" or contacting us directly.
3. Privacy Policy
Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our services, you acknowledge and agree to the practices described in our Privacy Policy, available at https://www.fcisc.com/privacy-policy.
4. Disclaimer of Warranties
FCI Agency provides services on an "as-is" and "as-available" basis. We make no representations or warranties of any kind, express or implied, regarding the operation of our website, services, or the accuracy of the information provided.
We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
5. Limitation of Liability
To the maximum extent permitted by law, FCI Agency will not be liable for any damages, including but not limited to direct, indirect, incidental, punitive, or consequential damages, arising from your use of our services or inability to access them.
6. Intellectual Property
All content on our website, including text, graphics, logos, and images, is the property of FCI Agency or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works based on our content without prior written consent.
7. Governing Law
These Terms and Conditions are governed by the laws of the state of South Carolina, without regard to conflict of law principles.
8. Updates to Terms
We reserve the right to update these Terms at any time. Changes will be effective immediately upon posting to our website. Continued use of our services constitutes your acceptance of the updated Terms.
9. Contact Information
For questions about these Terms and Conditions, please contact us at:
FCI Agency
503 Old Boiling Springs Rd
Greer, SC 29650
Phone: (864) 334-1200
Contact Us: https://www.fcisc.com/contact