Terms of Service

Effective Date: 06/01/2023

Welcome to Sid James Agency (“we,” “our,” or “us”). By accessing our website, using our services, or engaging with our organization, you agree to these Terms of Service. Please read them carefully.

By using our services, you agree to:

• Provide accurate and complete information 
• Use our website and services for lawful purposes only 
• Not attempt to gain unauthorized access to our systems, data, or accounts 

Sid James Agency provides insurance products across multiple lines, excluding home and auto.

• All policy applications, coverage, and claims are subject to underwriting approval by our insurance carriers. 
• We strive to provide accurate and up-to-date information, but we do not guarantee availability, approval, or coverage limits. 
• Policyholders are responsible for reviewing all policy documents for accuracy and understanding the terms of coverage. 

If any payments or premiums are submitted through our website:

• Payments are processed securely via trusted third-party providers. 
• All payments are final unless otherwise stated. 
• We are not liable for payment processing errors outside of our control. 

Intellectual Property

All content on our website—including text, logos, graphics, and materials—is the property of Sid James Agency unless otherwise noted. You may not reproduce, distribute, or use our content without prior written consent.

We may use third-party service providers for payment processing, email communications, or analytics. Sid James Agency is not responsible for the policies or practices of these third parties.

To the fullest extent permitted by law, Sid James Agency is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of our services or website.

We are committed to protecting your personal and business information. Please review our Privacy Policy to understand how we collect, use, and protect your information.

We reserve the right to suspend or terminate access to our services or website if these Terms are violated or in cases of misuse.

These Terms of Service shall be governed by the laws of the State of Missouri, United States.

We may update these Terms of Service from time to time. Changes are effective immediately upon posting to our website. Users are encouraged to review this page regularly.

For questions regarding these Terms of Service or our services:

Sid James Agency
sid.james@sidjamesagency.com