Terms and Conditions
Welcome to Catran Agency’s website. These terms and conditions (“Terms”) govern your access to and use of our website, products, and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.
1. Use of the Website
1.1 You agree to use the website for lawful purposes only and in accordance with these Terms.
1.2 You must not use the website in a way that causes damage to the website or impairs its availability or accessibility.
1.3 The website is intended for users located in the United States, but we may serve customers in other regions subject to applicable laws.
2. Products and Services
2.1 Catran Agency provides a variety of insurance products, including but not limited to life insurance, mortgage protection, disability insurance, critical illness insurance, retirement plans, and SmartStart insurance.
2.2 All product details, descriptions, and pricing are subject to change without notice. We reserve the right to modify or discontinue any service or product at any time.
2.3 The information on this website does not constitute an offer to sell any product or service.
3. SMS Communication and A2P Compliance
3.1 By providing your contact information, including your phone number, you expressly consent to receive communications from Catran Agency, including via SMS messages for purposes such as policy updates, promotional offers, or service-related messages.
3.2 Opt-in Consent: By opting in to receive SMS communications, you agree to receive automated messages from Catran Agency. You understand that these messages may be sent using an autodialer, and consent is not a condition of purchasing any product or service.
3.3 Opt-out Process: You may opt out of SMS messages at any time by replying with “STOP” to any message. Alternatively, you can contact us at tca@catranfamily.info to request removal from our messaging list.
3.4 Message Frequency and Data Rates: The frequency of messages may vary, and standard message and data rates may apply depending on your carrier and mobile plan.
3.5 A2P Program: We ensure compliance with Application-to-Person (A2P) messaging regulations, following industry best practices for SMS communications and data privacy.
4. Disclaimer
4.1 The information provided on the Catran Agency website is for general information purposes only and does not constitute legal, financial, or insurance advice.
4.2 We do not guarantee the accuracy, completeness, or reliability of the information on this site. Any reliance you place on such information is strictly at your own risk.
5. Limitation of Liability
5.1 Catran Agency will not be liable for any damages, losses, or liabilities arising from your use of the website, including but not limited to direct, indirect, incidental, or consequential damages.
6. Intellectual Property
6.1 All content, trademarks, logos, and other intellectual property on this website are owned by Catran Agency or used with permission. You may not reproduce, distribute, or otherwise use any of our content without our prior written consent.
7. Third-Party Links
7.1 Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.
8. Changes to Terms
8.1 Catran Agency reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website following any changes indicates your acceptance of the new Terms.
9. Governing Law
9.1 These Terms will be governed by and construed in accordance with the laws of the United States.