Terms & Conditions

Effective Date: June 9, 2026

Welcome to the website of Carder Agency OK (“Agency,” “we,” “us,” or “our”). By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree, please do not use this website.

1. No Binding of Insurance Coverage

Submission of information through this website, by email, text message, voicemail, or online form does not constitute binding insurance coverage.

Coverage is not effective unless and until:

  • an application has been approved by the insurance carrier,
  • all required underwriting conditions have been satisfied,
  • and written confirmation of coverage has been issued by the Agency or carrier.

Requests to:

  • bind coverage,
  • change coverage,
  • add or remove vehicles or drivers,
  • report claims,
  • or cancel coverage

are not effective unless confirmed in writing by the Agency.

Do not rely on electronic communications alone to assume coverage exists.

2. Insurance Quotes and Availability

Any quote, estimate, indication, or premium displayed or communicated through this website is:

  • preliminary only,
  • subject to underwriting review,
  • subject to carrier eligibility requirements,
  • and subject to change without notice.

Coverage availability, pricing, classifications, limits, deductibles, and terms may vary by carrier and state.

3. No Professional, Legal, or Tax Advice

Information provided on this website is for general informational purposes only and should not be construed as:

  • legal advice,
  • tax advice,
  • accounting advice,
  • financial advice,
  • or risk management advice.

You should consult qualified legal, tax, accounting, and insurance professionals regarding your specific circumstances.

Use of this website does not create:

  • an attorney-client relationship,
  • accountant-client relationship,
  • fiduciary relationship,
  • or insurance coverage relationship.
4. Communications Consent

By submitting your information through this website, you consent to be contacted by the Agency regarding insurance products and services by:

  • phone,
  • email,
  • text message,
  • voicemail,
  • or other reasonable means of communication.

Message and data rates may apply.

Consent to receive communications is not a condition of purchase.

You may opt out of marketing communications at any time by notifying the Agency.

5. Privacy and Data Security

The Agency takes reasonable measures to protect information submitted through this website; however, no method of electronic transmission or storage is completely secure.

You acknowledge that transmission of information over the internet is at your own risk.

Please review our Privacy Policy for additional information regarding collection and use of personal information.

6. Third-Party Websites and Services

This website may contain links to third-party websites, carriers, vendors, or service providers. The Agency is not responsible for:

  • the content,
  • security,
  • availability,
  • or privacy practices

of third-party websites or services.

7. Intellectual Property

All website content, including:

  • text,
  • logos,
  • graphics,
  • forms,
  • branding,
  • and design elements

are the property of the Agency or its licensors and may not be copied, reproduced, or distributed without written permission.

8. Website Availability

The Agency does not guarantee uninterrupted or error-free operation of this website.

We reserve the right to:

  • modify,
  • suspend,
  • or discontinue

all or part of the website at any time without notice.

9. Limitation of Liability

To the fullest extent permitted by law, the Agency shall not be liable for any direct, indirect, incidental, consequential, or special damages arising.