Terms & Conditions

Effective Date: 01/21/2026

1. Agreement to Terms

By accessing or using the Horta Agency website (https://hortaagency.com/home), landing pages, funnels, advertisements, or services, or by submitting your information through any of our forms, you agree to be bound by these Terms & Conditions.

If you do not agree with these terms, you should not use our services.

2. Services Description

Horta Agency (“we,” “our,” or “us”) is an insurance agency that helps individuals and families find simple, affordable, and reliable insurance coverage, including Auto Insurance, Home Insurance, and Life Insurance.

We provide assistance by:

Connecting users with insurance options and providers
Providing quotes and insurance-related information
Facilitating communication with licensed insurance professionals and carriers

All insurance coverage is subject to underwriting approval, policy terms, conditions, and availability from the respective insurance providers.

3. No Guarantees / Disclaimer

Horta Agency does not guarantee:

Approval for insurance coverage
Specific pricing, rates, or savings
Availability of any particular insurance product

All information provided through our website, funnels, or communications is for general informational purposes only and should not be considered as professional, legal, or financial advice.

Final terms, coverage, and pricing are determined solely by the insurance carriers.

4. User Responsibilities

By using our services, you agree to:

Provide accurate, current, and complete information
Not submit false or misleading details
Use our website and services only for lawful purposes
Not engage in any activity that could harm, disrupt, or misuse our services

We reserve the right to deny service or terminate access if misuse is detected.

5. Communication Consent

By submitting your information through our website, landing pages, funnels, or advertisements, you expressly consent to be contacted by Horta Agency and its representatives via:

Email
Phone calls (including automated or prerecorded calls where permitted)
SMS/text messages

These communications may include:

Responses to inquiries
Follow-ups regarding quotes or services
Marketing and promotional messages

Message and data rates may apply.

You can opt out at any time by:

Clicking the “unsubscribe” link in emails
Replying “STOP” to SMS messages
Contacting us directly using the information below

Consent to communications is not a condition of purchase.

6. Privacy Policy

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

We encourage you to review our Privacy Policy available on our website.

7. Third-Party Services

Our services may involve third-party providers, including insurance carriers, marketing platforms, and technology service providers.

We do not control and are not responsible for:

The actions, policies, or practices of third-party providers
The terms, coverage decisions, or services offered by insurance carriers

Any interactions with third parties are subject to their respective terms and policies.

8. Limitation of Liability

To the fullest extent permitted by law, Horta Agency shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

Your use of, or inability to use, our website or services
Any decisions made based on information provided
Delays, interruptions, or errors in communications or services

Your use of our services is at your own risk.

9. Intellectual Property

All content on our website and platforms, including text, graphics, logos, branding, and materials, is the property of Horta Agency and is protected by applicable intellectual property laws.

You may not:

Copy, reproduce, distribute, or modify any content without prior written permission
Use our branding or materials for commercial purposes without authorization

10. Prohibited Uses

You agree not to use our website or services to:

Engage in fraudulent, deceptive, or illegal activities
Transmit harmful code, viruses, or malicious content
Attempt to gain unauthorized access to our systems
Interfere with the proper functioning of the website or services

We reserve the right to take appropriate action in response to violations.

11. Changes to Terms

We may update or modify these Terms & Conditions at any time without prior notice.

When we do, we will update the “Effective Date” at the top of this page. Continued use of our services after changes are posted constitutes your acceptance of the updated terms.

12. Governing Law

These Terms & Conditions shall be governed and interpreted in accordance with the applicable laws of the United States, without regard to conflict of law principles.