Effective Date: November 12, 2025
These Terms and Services ("Terms") govern your access to and use of the website located at thehoustongunsafes.com (the "Site"), operated by Houston Shield Insurance ("Houston Shield," "we," "us," or "our"), and describe the conditions under which we provide insurance marketing, advisory, and related informational services. By accessing the Site, submitting a form, or engaging with our digital content, you agree to these Terms. If you do not agree, please discontinue use of the Site.
Houston Shield is an insurance intermediary that connects consumers and businesses with insurance products underwritten by independent third-party carriers. Unless expressly stated in a separate written agreement signed by an authorized representative, nothing on the Site constitutes a binding offer of insurance, a guarantee of coverage, or a commitment to issue a policy at a quoted premium.
Illustrative rates, calculators, and educational content are provided for general information only. Final premiums, deductibles, exclusions, and policy terms are determined solely by the issuing carrier after underwriting review. We may collect information you provide for the purpose of preparing quotes and service proposals.
You represent that you are at least eighteen years of age and possess the legal capacity to enter into these Terms. When submitting forms, you agree to provide accurate, current, and complete information. Misrepresentation or omission of material facts relating to insurability may void coverage or constitute fraud under applicable insurance regulations.
You are responsible for safeguarding any credentials used to access client portals or document repositories we may provide through separate invitation. Notify us promptly at info@thehoustongunsafes.com if you suspect unauthorized access.
We grant you a limited, non-exclusive, non-transferable license to access and view Site content for personal or internal business purposes related to evaluating insurance options. You may not:
All intellectual property on the Site, including text, graphics, logos, and layout, remains the property of Houston Shield or its licensors and is protected by applicable copyright and trademark law.
A quote generated through the Site, email, or telephone consultation is an estimate subject to change. Coverage becomes effective only after: (a) the carrier accepts the application; (b) any required premium payment or financing arrangement is completed; and (c) the policy effective date is reached as stated in the declarations page.
You acknowledge that electronic submissions through our forms do not themselves bind coverage. Separate application forms, signatures, or authenticated e-sign workflows may be required. We will indicate when a document constitutes a formal application.
Houston Shield may receive commissions from carriers based on policies placed. In limited circumstances, advisory or consulting fees may apply to complex commercial engagements; such fees will be disclosed in writing before you incur them. Our compensation does not obligate you to accept a particular recommendation, and we strive to present multiple suitable alternatives when available.
The Site may reference or link to carrier resources, regulatory agencies, or educational partners. We do not control third-party websites and are not responsible for their content, privacy practices, or availability. Issuance and claims handling are governed by the insurance policy contract and the carrier's procedures, not by these Terms.
By submitting contact or subscription forms, you consent to receive responses and, where opted in, marketing communications from Houston Shield via email. You may withdraw marketing consent through our unsubscribe page or links within messages. Service-related communications regarding active policies or claims you initiate may continue as permitted by law.
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
Insurance is a complex regulated product. Information on the Site is not legal, tax, or investment advice. Consult licensed professionals for matters beyond insurance placement.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOUSTON SHIELD AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON INFORMATION PROVIDED, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability for direct damages relating to the Site shall not exceed the greater of one hundred dollars or the amount you paid directly to Houston Shield for non-commission services in the twelve months preceding the claim.
You agree to indemnify and hold harmless Houston Shield from claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the Site, violation of these Terms, or submission of false or misleading information in connection with insurance applications.
Our collection and use of personal information is described in the Privacy Policy, incorporated into these Terms by reference. Please review it to understand how we handle data submitted through forms and analytics tools.
We may update these Terms periodically to reflect regulatory changes, new services, or security improvements. The "Effective Date" at the top will change when revisions are posted. Continued use after updates constitutes acceptance of the revised Terms. Material changes may also be highlighted on the Site homepage.
These Terms are governed by the laws applicable to insurance intermediaries operating through thehoustongunsafes.com, without regard to conflict-of-law principles. Parties agree to attempt good-faith resolution of disputes through direct communication before pursuing formal remedies. Where arbitration or venue requirements are mandated by separate carrier agreements or state regulations governing insurance disputes, those provisions may supersede this section for matters specific to policy contracts.
If any provision of these Terms is held unenforceable, the remaining provisions remain in full force. These Terms, together with the Privacy Policy and any written service agreements you execute, constitute the entire agreement regarding use of the Site.
Questions about these Terms may be directed to info@thehoustongunsafes.com.
