Terms of Service

These Terms of Service ("Terms") govern your access to and use of the BindFlow website and insurance agency services offered by BindFlow ("Agency," "we," "us," or "our"), a licensed insurance agency operating in the State of Ohio.

BY ACCESSING OR USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SITE.

BindFlow is a licensed independent insurance producer operating in the State of Ohio. We act as an independent insurance agent and may represent multiple carriers across the following lines of business:

• Life Insurance
• Health Insurance (Individual and Group)
• Home and Auto Insurance (Property & Casualty)
• Disability Insurance

We are not a licensed legal, financial, tax, or investment advisor. Nothing on this site constitutes legal, financial, tax, or investment advice.

You agree not to:

• Use the Site in any manner that violates applicable law or regulation
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any portion of the Site or our systems
• Use automated scripts, bots, or scrapers without our written permission
• Reproduce, distribute, or commercially exploit any content from the Site without written authorization

Submission of false or misleading information in connection with an insurance application may constitute insurance fraud under Ohio Revised Code § 2913.47 and applicable federal law.

All content on this Site — including text, graphics, logos, images, and software — is the property of BindFlow or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may print or download content solely for your personal, non-commercial use in connection with obtaining insurance services from us.

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, OR NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BINDFLOW, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS SITE OR OUR SERVICES.

By using this Site and providing your contact information, you consent to receive electronic communications from us including quote information, policy documents, service updates, and marketing communications. You may opt out of marketing messages at any time. Electronic records and signatures shall have the same legal effect as paper documents under the E-SIGN Act and applicable Ohio law.

These Terms are governed by and construed in accordance with the laws of the State of Ohio. Any dispute arising out of or related to these Terms shall first be submitted to good-faith mediation. If mediation fails, disputes shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in Ohio. You waive any right to participate in class action litigation or class-wide arbitration.

We reserve the right to modify these Terms at any time. We will post the updated Terms on the Site with a revised effective date. Your continued use of the Site following posting of updated Terms constitutes your acceptance of the changes.