Terms of Service

Agreement to Terms

By accessing and using the Flatland Expeditions website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Services Description

Flatland Expeditions is an insurance agency that provides commercial trucking insurance products and services. We act as an intermediary between you and various insurance carriers. We are not an insurance company; we help you obtain insurance coverage from licensed insurance carriers.

Use of Website

You agree to use this website only for lawful purposes and in a manner that does not:

• Violate any applicable local, state, national, or international law
• Infringe upon the rights of others
• Interfere with or disrupt the website or servers
• Attempt to gain unauthorized access to any systems
• Transmit any harmful code or malware
• Collect or harvest user information without consent

Quote Requests and Applications

When you request an insurance quote or submit an application through our website:

• You agree to provide accurate, current, and complete information
• You understand that quotes are estimates and not binding offers
• Final premiums may differ based on underwriting review
• Coverage is subject to carrier approval and policy terms
• You are responsible for reviewing all policy documents

Insurance Coverage

Important: This website and any information provided herein is for informational purposes only and does not constitute an insurance policy. Actual coverage is determined solely by the terms, conditions, and exclusions of your insurance policy. In the event of a conflict between website content and your policy, the policy language controls.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Flatland Expeditions or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Limitation of Liability

To the fullest extent permitted by law, Flatland Expeditions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use our website or services. Our total liability shall not exceed the amount of any premiums paid by you in the twelve months preceding the claim.

Disclaimer of Warranties

This website is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

Indemnification

You agree to indemnify, defend, and hold harmless Flatland Expeditions and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the website, violation of these terms, or infringement of any rights of another.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party websites is at your own risk.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Jackson County, Missouri.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

For questions about these Terms of Service, please contact us at: