Legal
These Terms of Service govern your use of josephineagency.co (the "Site") and any services provided by Josephine Agency LLC. By accessing this Site or submitting an inquiry, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
Josephine Agency LLC is an independent insurance agency operated by Ashley Baker, a licensed field underwriter (NPN #21436386) affiliated with Symmetry Financial Group. We are licensed to sell life insurance, disability insurance, and related products in 17 states. Availability of products and services varies by state.
Nothing on this Site constitutes an offer to sell or solicitation to buy any insurance product in any jurisdiction where such offer or solicitation would be unlawful.
Content on this Site is provided for general informational purposes only. It does not constitute financial, legal, tax, or investment advice and is not a substitute for consultation with a licensed professional. All examples, scenarios, and illustrative cases presented on this Site are hypothetical and for educational purposes only. They do not represent actual client results or guarantee any particular outcome.
By submitting a consultation request through this Site, you consent to being contacted by Josephine Agency LLC via phone or email regarding your inquiry. You may opt out of communications at any time by contacting us directly.
Submitting a consultation request does not create an insurance agent-client relationship, obligate you to purchase any product, or guarantee the availability of any particular product or coverage.
If you separately check the consent box on our inquiry form, you expressly consent to receive automated transactional text messages from Josephine Agency LLC related to your consultation request. This includes appointment confirmations, follow-up communications, and case status updates.
Message frequency varies. Most clients receive 1–4 messages per month. Message and data rates may apply depending on your carrier plan.
To stop receiving messages: Reply STOP at any time. You will receive one final confirmation and be removed from all future messaging. For assistance: Reply HELP or email ashleybakersfg@gmail.com.
SMS consent is optional and separate from your agreement to these Terms. You may submit a consultation request without consenting to text messages. Consent is not a condition of purchasing any insurance product. Your mobile number will not be shared with third parties for their marketing purposes.
Submission of a consultation request does not constitute an insurance application and does not bind coverage. All applications are subject to carrier underwriting approval. Final rates and benefits are determined by the issuing carrier based on individual underwriting criteria.
You agree to use this Site only for lawful purposes. You may not attempt unauthorized access to any portion of the Site, use automated tools to scrape or extract data, submit false or misleading information through any form, or impersonate any person or entity in connection with the Site.
All content on this Site — including text, design, and graphics — is the property of Josephine Agency LLC or its licensors and is protected by applicable copyright and trademark law. You may not reproduce, distribute, or create derivative works without prior written permission.
This Site uses third-party services to operate and communicate with clients, including Close CRM for relationship management and Netlify for website hosting. These services have their own terms and privacy policies. We are not responsible for the practices of these third parties.
This Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or free of harmful components.
To the fullest extent permitted by law, Josephine Agency LLC and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or our services.
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
These Terms are governed by the laws of the State of South Carolina. Any disputes shall be resolved exclusively in the courts of Lexington County, South Carolina.
We reserve the right to update these Terms at any time. Changes will be reflected in the effective date above. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
Questions about these Terms may be directed to:
Josephine Agency LLC · Ashley Baker, Licensed Field Underwriter · NPN #21436386
ashleybakersfg@gmail.com