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Terms and Conditions

Welcome to K S Billings & Associates! This website, www.ksbin.com, and any related websites operated by K S Billings & Associates (“K S Billings & Associates,” “we,” “us,” or “our”) (collectively, the “Site”) is managed by K S Billings & Associates. These terms and conditions of use (the “Terms of Use”) govern your access to and use of the Site and apply to all users who visit the Site or our mobile application (the “App”). By accessing or using the Site or App, including the services and resources provided (the “Services”), you agree to comply with and be bound by these Terms of Use. This agreement is a legal contract between you and K S Billings & Associates. By accessing or using the Site, downloading the App, or utilizing any of the Services, you confirm that (1) you have read, understood, and agree to these Terms of Use, (2) you are at least 18 years old or the age of majority in your jurisdiction, and (3) you will adhere to all applicable laws and regulations. If you do not agree with these Terms of Use, please do not access or use the Site, the App, or the Services.

PLEASE NOTE THAT THE “DISPUTE RESOLUTION” SECTION BELOW INCLUDES PROVISIONS ON HOW DISPUTES BETWEEN YOU AND US WILL BE HANDLED, INCLUDING ANY DISPUTES ARISING BEFORE THE EFFECTIVE DATE OF THESE TERMS OF USE. THIS SECTION CONTAINS AN ARBITRATION AGREEMENT THAT WILL, WITH LIMITED EXCEPTIONS, REQUIRE DISPUTES BETWEEN US TO BE RESOLVED THROUGH BINDING AND FINAL ARBITRATION. UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT: (1) YOU WILL ONLY BE ABLE TO PURSUE CLAIMS AGAINST US ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION, AND (2) YOU ARE WAIVING YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL.

These Terms of Use are effective as of the “Last Updated” date above. WE MAY MODIFY THESE TERMS OF USE AT ANY TIME AT OUR SOLE DISCRETION. When we make changes, we will update the Terms of Use on the Site and within the App, and revise the “Last Updated” date. If you have an account with us for material changes, we will also notify you by email. Unless otherwise noted, changes will be effective immediately for new users and 30 days after posting for existing users. Continued use of the Site, App, or Services after any changes means you accept the new terms. PLEASE REGULARLY REVIEW THE SITE FOR THE MOST CURRENT TERMS.

 

Collection and Use of Personal Information

Your use of the Services may involve the transmission to us of certain personally identifiable information. Our policies regarding the collection and use of such information are detailed in our Privacy Policy, which can be found at ksbin.com/about/privacy, and is hereby incorporated by reference in its entirety.

Text Messages

If you agree to receive text messages from K S Billings & Associates, then message and data rates may apply, and message frequency may vary.

The Services

Insurance Services: The Services include our Personal Insurance Checkup, which consists of content, tools, links, and recommendations intended to provide you with decision support related to insurance. All information provided to you through your use of this Service is for general informational and educational purposes only.

The Services may also include our preparation of quotes and brokering and transacting of sales to you of third-party insurance products. We are a licensed independent insurance broker and do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the Site or through the Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.

Your use of certain Services may require you to agree to additional terms and conditions or enter into separate agreements with us or applicable third-party insurance carriers. Any third-party insurance products purchased by you through the Site are subject to the terms and conditions of the applicable insurance carrier. In the event of a conflict between these Terms of Use and any such other terms, the terms of such other agreements will control.

Will and Estate Planning Services: The Services also include, for your convenience, self-help “fill in the blank” forms that help you prepare simple wills, trusts, and other estate planning documents (together with any related instructions and resulting documentation, the “Forms”) (the “Will and Estate Planning Services”). We are not a law firm and are not licensed to practice law. We may not, and do not, provide legal representation or advice. No attorney-client relationship is created or intended to be created between you and K S Billings & Associates or its employees or agents. Communications between you and K S Billings & Associates are not protected by the attorney-client privilege or work product doctrine. OUR SERVICES AND FORMS ARE PROVIDED FOR YOUR PERSONAL USE ONLY. THEY DO NOT CONSTITUTE LEGAL OR TAX ADVICE. OUR SERVICES AND FORMS ARE NOT A SUBSTITUTE FOR THE ADVICE OR SERVICES OF AN ATTORNEY OR TAX CONSULTANT. We do not review the information you provide for completeness, legal sufficiency, or accuracy, nor do we draw any legal conclusions, provide opinions, or make recommendations about the selection of forms, nor do we apply the facts of your particular situation to the law. The law is a personal matter, and no generalized information or one form (i.e., the Forms) is applicable to every situation. You should consult with an attorney or tax professional if: you have any questions about the accuracy, sufficiency, or effect of any completed Forms or related documents; you have any questions about the Forms’ legal effects or tax implications; you want legal or tax advice on any specific issues; or if you think your situation may be too complex to be addressed by our Forms.