Terms & Conditions

Welcome to Whitinger & Co. Insurance LLC (“we,” “us,” or “our”). By using www.whitingerinsurance.com and our services, you agree to the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using our website or services, you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

2. Use of the Website

You may use our website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations.
• Engage in any activity that could damage, disable, or impair the website or interfere with another user’s ability to use the website.
• Submit false, misleading, or fraudulent information through any form on this website.

3. Information You Submit

Our website provides forms for contacting us, requesting a consultation, and applying for employment. You agree to provide accurate and complete information when using these forms. Submitting a form does not create an insurance policy, bind coverage, or constitute an offer of employment.

4. No Coverage Is Bound Through This Website

Nothing on this website binds, alters, or amends insurance coverage. Coverage descriptions on this site are general summaries provided for informational purposes only. Actual coverage is governed solely by the terms, conditions, and exclusions of the policy as issued. No coverage is bound, changed, or cancelled until confirmed in writing by an authorized representative of Whitinger & Co. Insurance LLC and the applicable insurance carrier. Products and services are not available in all states.

5. Intellectual Property

All content on the website, including text, graphics, logos, and images, is owned by or licensed to Whitinger & Co. Insurance LLC and is protected by copyright and other intellectual property laws. You may not copy, distribute, or modify any content without our permission.

6. Third-Party Links and Services

This website links to third-party services, including scheduling and social media platforms. We are not responsible for the content, availability, or privacy practices of those third parties, and your use of them is governed by their own terms.

7. Limitation of Liability

To the fullest extent permitted by law, Whitinger & Co. Insurance LLC will not be liable for any damages, losses, or costs arising from your use of the website, including but not limited to direct, indirect, incidental, or consequential damages.

8. Privacy Policy

Your use of the website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

9. Termination

We may suspend or terminate your access to the website or services if you violate these Terms and Conditions.

10. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be posted on this page, and the updated date will be noted at the top.

11. Governing Law

These Terms and Conditions will be governed by the laws of the State of Iowa, without regard to its conflict of law principles. Any disputes will be resolved in the appropriate courts located in Black Hawk County, Iowa.

13. SMS Terms & Conditions

13.1 SMS Consent Communication

The information (phone numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

13.2 Types of SMS Communications

If you have consented to receive text messages from Whitinger & Co. Insurance LLC, you may receive conversational messages related to the following:

• Appointment and meeting reminders
• Follow-up messages regarding a quote, policy review, or service request
• Policy renewal and document reminders
• Claims status updates
• Certificate of insurance and loss run requests
• Billing inquiries

Example: “Hello, this is a friendly reminder of your upcoming meeting with Josh Whitinger at Whitinger & Co. Insurance on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Whitinger & Co. Insurance at any time.”

13.3 Message Frequency

Message frequency may vary depending on the type of communication. You may receive up to 4 SMS messages per month regarding your policies, appointments, or account status.

13.4 Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

13.5 Opt-In Method

You may opt in to receive SMS messages from Whitinger & Co. Insurance LLC in any of the following ways:

• By checking the SMS consent box on a form on this website
• Verbally, during a conversation with a member of our team
• By filling out a paper form
• By messaging us first

Consent to receive SMS messages is optional and is never a condition of obtaining a quote, purchasing a policy, or receiving any service from us.

13.6 Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly at 319-222-4422 or josh@whitingerinsurance.com to request removal from our messaging list.

13.7 Help

If you are experiencing any issues, you can reply with the keyword HELP. You can also get help directly from us at 319-222-4422, by email at josh@whitingerinsurance.com, or through our contact page.

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

13.8 Standard Messaging Disclosures

• Message and data rates may apply.
• You can opt out at any time by texting “STOP.”
• For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
• Message frequency may vary.

14. Contact Us

If you have any questions about these Terms and Conditions, please contact us at: