Terms of Service

These Terms of Service govern your use of the website located at oakagencyinsurance.com and any related online forms, quote request tools, contact forms, pages, content, or communications made available through this website.

This website is owned and operated by Oak Agency, LLC (“Oak Agency,” “we,” “us,” or “our”), an independent insurance agency based in Salem, Oregon.

By using this website, submitting information through this website, or contacting Oak Agency through a website form, phone call, text message, or email, you agree to these Terms of Service.

1. Website Information Is for General Informational Purposes

The information on this website is provided for general informational purposes only. It is not intended to be a complete description of any insurance policy, carrier, coverage form, endorsement, exclusion, condition, limitation, or underwriting requirement.

Insurance coverage is governed only by the actual terms, conditions, limitations, and exclusions of the applicable insurance policy issued by the insurance carrier. Website content does not modify, expand, reduce, or replace any insurance policy.

2. No Insurance Coverage Is Bound Through This Website

Submitting a quote request, contact form, email, voicemail, text message, document, payment information, or other communication through this website does not bind, change, renew, reinstate, or cancel insurance coverage.

Coverage is not effective unless and until it is confirmed in writing by Oak Agency, the applicable insurance carrier, or another authorized representative.

You should not rely on a website submission, automatic confirmation message, email receipt, text message, or voicemail as proof that coverage has been bound, changed, renewed, reinstated, or canceled.

3. Policy Changes and Cancellations

Requests to change, cancel, add, remove, or modify insurance coverage are not effective until confirmed in writing by Oak Agency, the applicable insurance carrier, or another authorized representative.

This includes, but is not limited to:

• Adding or removing vehicles
• Adding or removing drivers
• Changing addresses
• Adding locations
• Changing limits or deductibles
• Adding endorsements
• Requesting certificates of insurance
• Changing mortgagee, lienholder, or additional insured information
• Canceling a policy
• Reinstating coverage
• Reporting claims

Do not assume coverage has changed until you receive written confirmation.

4. Quotes Are Not Guarantees

Any quote, estimate, premium indication, or coverage discussion is subject to underwriting review, carrier approval, eligibility, payment, policy terms, and final issuance by the applicable insurance carrier.

Oak Agency does not guarantee:

• That any carrier will offer coverage
• That any quote will remain available
• That any premium will stay the same
• That any discount will apply
• That any policy will be issued, renewed, or reinstated
• That any specific coverage, limit, endorsement, or deductible will be available

Quotes may change based on underwriting information, inspection results, claims history, driving history, credit-based insurance scoring where permitted, business operations, property characteristics, carrier filings, or other factors.

5. Independent Agency Relationship

Oak Agency is an independent insurance agency. We may work with multiple insurance carriers, wholesalers, managing general agencies, brokers, and insurance market partners.

The availability of any carrier, product, policy, or market depends on appointments, licensing, underwriting guidelines, eligibility, and state availability.

Nothing on this website should be interpreted as a guarantee that Oak Agency represents, has access to, or can place coverage with any specific carrier for any specific applicant or risk.

6. No Professional Advice Beyond Licensed Insurance Services

The content on this website does not constitute legal, tax, accounting, financial, risk management, or professional advice outside the scope of licensed insurance services.

You should consult the appropriate professional for advice regarding legal obligations, contracts, tax matters, accounting issues, employment practices, workplace safety, cybersecurity, or other specialized matters.

7. User Responsibilities

When you submit information to Oak Agency, you agree to provide accurate, complete, and current information.

You are responsible for reviewing all applications, proposals, quotes, binders, policies, endorsements, certificates, invoices, and other documents for accuracy.

You agree to notify Oak Agency promptly if any information is incorrect, incomplete, or changes over time.

Failure to provide accurate information may affect coverage, pricing, eligibility, claim handling, or policy issuance.

8. Electronic Communications

By contacting Oak Agency through this website, email, phone, text message, or online form, you consent to receive communications from Oak Agency using the contact information you provide.

Electronic communications may include quote follow-ups, service communications, policy-related communications, document requests, appointment reminders, and other insurance-related messages.

You are responsible for maintaining accurate contact information and monitoring your email, phone, voicemail, and text messages for communications from Oak Agency.

9. Text Messaging

If you separately opt in to receive text messages from Oak Agency, you may receive conversational and informational SMS messages related to quote requests, follow-up, document requests, scheduling, policy service, and other account-related communications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out and HELP for help. Consent to receive text messages is not a condition of purchase. See our Privacy Policy and these Terms for more information.

10. Third-Party Links and Carrier Websites

This website may contain links to third-party websites, including insurance carrier websites, payment portals, claims portals, document systems, review platforms, or other resources.

Oak Agency does not control third-party websites and is not responsible for their content, privacy practices, security, availability, accuracy, or terms of use.

Your use of third-party websites is at your own risk and may be governed by the third party’s own terms and privacy policies.

11. Intellectual Property

All website content, including text, graphics, logos, page layouts, design elements, images, and other materials, is owned by Oak Agency or used with permission, unless otherwise stated.

You may not copy, reproduce, modify, distribute, display, or use website content for commercial purposes without prior written permission from Oak Agency.

Carrier names, logos, and trademarks belong to their respective owners. Any references to insurance carriers or market partners are for identification and informational purposes only.

12. Prohibited Uses

You agree not to use this website to:

• Submit false, misleading, fraudulent, or unlawful information
• Attempt to gain unauthorized access to website systems
• Interfere with website operation or security
• Upload malicious code, viruses, or harmful files
• Scrape, copy, or harvest website content or user data
• Misrepresent your identity or authority
• Violate any applicable law, regulation, or third-party right

13. Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis.

Oak Agency does not warrant that the website will be uninterrupted, error-free, secure, current, complete, or free from harmful components.

Oak Agency does not warrant that website content is complete, accurate, or applicable to every insurance situation.

14. Limitation of Liability

To the fullest extent permitted by law, Oak Agency shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of this website.

This includes damages related to website errors, delays, interruptions, form submission issues, communication delays, third-party websites, unavailable quotes, coverage decisions, underwriting outcomes, or reliance on website content.

Nothing in these Terms is intended to limit liability that cannot be limited under applicable law.

15. Indemnification

You agree to indemnify and hold harmless Oak Agency, its owners, employees, representatives, contractors, vendors, and affiliates from any claims, losses, liabilities, damages, costs, or expenses arising out of your use of this website, your violation of these Terms, or your submission of inaccurate, incomplete, false, or misleading information.

16. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

17. Changes to These Terms

Oak Agency may update these Terms of Service from time to time. Updates will be posted on this page with a revised “Last Updated” date.

Your continued use of the website after changes are posted means you accept the updated Terms.

18. Governing Law

These Terms are governed by the laws of the State of Oregon, without regard to conflict of law principles.

19. Contact Oak Agency

Questions about these Terms may be directed to:

Oak Agency, LLC
Salem, Oregon
Phone: 503-872-1026
Email: krista@oakagencyinsurance.com
Website: oakagencyinsurance.com