Terms & Conditions

These Terms and Conditions (“Terms”) govern your access to and use of the website (https://ct-shield-insurance.vibepreview.app and related domains), online quote request forms, and client services provided by C & T Insurance (Homebound Child Placing Agency DBA C&T Insurance, “we,” “us,” or “our”), an independent insurance agency licensed and operating in the State of Texas. We offer all-lines insurance and health-care-related insurance services, including Medicare Advantage, Medicare Supplement (Medigap), Medicare Part D Prescription Drug plans, individual and group life insurance, health insurance, group employee benefits, long-term care (LTC), and business/commercial insurance.

By accessing this website, requesting a quote, contacting us, or becoming a client, you agree to these Terms. If you do not agree, please do not use our website or services. These Terms are governed by, and construed under, the laws of the State of Texas.

1. About Our Services & Licensing

• •Independent Agency: C & T Insurance is an independent insurance agency, not an insurance company. We act as your agent in soliciting, quoting, and placing coverage with third-party insurance carriers.
• •Texas Licensing: We and our licensed agents hold the Texas Department of Insurance (TDI) licenses required to offer the products described on this site. License status may be verified through the TDI.
• •No Insurance Sold on This Site: This website provides information, rate comparisons, and quote requests only. No insurance coverage is bound, issued, or modified solely through your use of this website. Coverage becomes effective only after an application is approved by the carrier and any required premium is accepted.

2. Quotes & Rate Information

• •Quotes provided through this website or by our agents are estimates based on the information you provide and the rates and underwriting rules in effect at the time of quoting.
• •Premiums, coverages, deductibles, and policy terms are set by the insurance carrier, not by C & T Insurance. Final terms are those stated in the issued policy, and the policy itself controls in the event of any difference with a quote.
• •We make reasonable efforts to present accurate rate and product information, but we do not guarantee that any quote is final, complete, or the lowest available until the carrier confirms it.
• •Rates and product availability may change without notice.

3. Medicare Disclaimer

C & T Insurance offers a limited number of Medicare plans in the areas we service. We do not offer every plan available in your area, and any information we provide is limited to the plans and carriers we represent. For a complete list of available options, contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.

We comply with applicable federal requirements for the marketing of Medicare Advantage, Medicare Supplement, and Part D plans, including rules regarding beneficiary contact hours, consent, and solicitation of personal/health information.

4. Accuracy of Information You Provide

• •You are responsible for providing complete, accurate, and truthful information on quote requests, applications, and policy-change forms. Inaccurate, incomplete, or misleading information may affect eligibility, premium, claims, or the validity of coverage.
• •You authorize us to share the information you submit with the insurance carriers and underwriters needed to quote, underwrite, and issue the coverage you request.
• •You agree to review your issued policy when received and to notify us or the carrier promptly of any errors.

5. SMS / Text Message Communications Consent

Our website forms may offer two separate, optional text (SMS) consent options. Checking a consent box is not required to submit a quote or contact request.

• •Non-Marketing / Account Messages: If you check the non-marketing consent box, you authorize us to send text messages about appointment confirmations, appointment reminders, responses to general support requests, and account or policy notifications. Message frequency varies; message and data rates may apply. Text HELP for assistance; reply STOP to opt out.
• •Marketing / Promotional Messages: If you check the marketing consent box, you authorize us to send marketing and promotional messages, including special offers, discounts, and new product updates. Message frequency varies; message and data rates may apply. Text HELP for assistance; reply STOP to opt out.
• •Revoking Consent: You may revoke text-message consent at any time by replying STOP to any message, by contacting us in writing, or through the opt-out instructions we provide. Revoking consent does not affect the validity of any prior consent or your existing policy.

6. Use of This Website

• •You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of, this site by any third party.
• •You may not attempt to gain unauthorized access to any part of the site, its systems, or data; introduce viruses, malware, or other harmful code; or use automated tools to scrape, harvest, or monitor content without our permission.
• •We may suspend or restrict access to the website at any time, without notice, including for maintenance, security, or compliance reasons.

7. Intellectual Property

All content on this website — including the C & T Insurance name, logo, text, graphics, layout, and design — is owned by or licensed to C & T Insurance and is protected by U.S. copyright, trademark, and other laws. You may view and print content for your personal, non-commercial use. You may not copy, reproduce, republish, or distribute our content without our written permission.

Insurance carrier names and logos referenced on this site belong to their respective owners and are used for identification purposes only.

8. Third-Party Links & Carrier Portals

This website may contain links to insurance-carrier billing portals, claim hotlines, and other third-party websites. Those sites are not operated by us, and these Terms and our Privacy Policy do not apply to them. We are not responsible for the content, accuracy, availability, or practices of any third-party site and encourage you to review each site's own terms and privacy policy.

9. Disclaimers & No Warranties

This website and its content are provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or that the site will be uninterrupted or error-free.

Information about insurance products is summary in nature and is not a complete statement of coverage. The actual insurance policy governs all rights and obligations.

10. Limitation of Liability

To the maximum extent permitted by Texas law, C & T Insurance and its agents, owners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or coverage — arising from your use of, or inability to use, this website or our services, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to these Terms or the website is limited to the extent permitted by applicable law. Nothing in these Terms limits liability that cannot be limited under Texas law.

11. Indemnification

You agree to indemnify and hold harmless C & T Insurance, its agents, and affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of this website, or your violation of any law or the rights of any third party.

12. Privacy

Our handling of personal and health information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using this website and our services, you acknowledge that you have reviewed and agree to our Privacy Policy.

13. Changes to These Terms

We may update these Terms at any time to reflect changes in our services, Texas or federal law, or our practices. The “Effective Date” above indicates the most recent revision. Continued use of our website or services after a change constitutes acceptance of the updated Terms.

14. Governing Law & Dispute Resolution

• •Texas Law: These Terms and any dispute arising out of or relating to them or our services are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.
• •Disputes: We encourage you to contact us first to resolve any concern. If a dispute cannot be resolved informally, it shall be brought in the state or federal courts located in Collin County, Texas, and you consent to the exclusive jurisdiction and venue of those courts, except where prohibited by Texas law.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining Terms shall remain in full force and effect.

16. How to Contact Us

If you have questions about these Terms or our services, contact C & T Insurance at: