Terms of Service
Effective Date: April 7, 2026
Please read these Terms of Service ("Terms") carefully before using the website operated by Cheri Nelson Insurance Agency, LLC ("Agency," "we," "us," or "our"). By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use this website.
1. Informational Purposes Only
The content on this website is provided for general informational purposes only and does not constitute insurance, legal, financial, or professional advice. The information presented is not intended to be a substitute for professional advice from a licensed insurance agent, attorney, or financial advisor. Insurance products, coverages, terms, conditions, exclusions, and availability vary by carrier, state, and individual risk. Nothing on this website should be interpreted as a guarantee, offer, solicitation, or binding agreement to provide insurance coverage.
2. No Guarantee of Coverage or Pricing
Descriptions of insurance products on this website are general summaries only and do not represent the actual terms, conditions, exclusions, or limitations of any specific insurance policy. Coverage is subject to the terms and conditions of the actual policy issued by the insurance carrier. Quotes provided through this website or by our agents are estimates based on the information you provide and are not binding. Final coverage, terms, and premiums are determined solely by the issuing insurance carrier upon completion of underwriting. We do not guarantee that any particular coverage will be available or that any specific premium rate will apply.
3. Your Responsibility
You are responsible for reviewing the actual terms, conditions, exclusions, and limitations of any insurance policy before purchase. You are responsible for providing complete, accurate, and truthful information when requesting quotes, applying for coverage, or submitting claims. Failure to disclose material information or providing inaccurate information may result in denial of coverage, cancellation of a policy, or denial of a claim. You should consult directly with a licensed insurance agent regarding your specific insurance needs, circumstances, and coverage options.
4. Agency Relationship
Cheri Nelson Insurance Agency is an independent insurance agency that represents multiple insurance carriers. We act as an intermediary between you and the insurance carriers whose products we offer. We are not the insurance carrier and do not underwrite, adjudicate claims, or make binding coverage decisions. The insurance carrier, not this Agency, is solely responsible for paying claims and determining coverage under its policies. Our role is limited to assisting you in identifying insurance products and facilitating the application process.
5. Not a Binder of Coverage
No information submitted through this website — including quote request forms, contact forms, or any other communication — constitutes a binder of insurance coverage. Coverage does not take effect until a policy has been formally issued by an insurance carrier and all required premiums have been paid. Do not cancel any existing insurance coverage until you have received written confirmation that your new policy is in force.
6. Limitation of Liability
To the fullest extent permitted by applicable law, Cheri Nelson Insurance Agency, LLC, its owners, officers, employees, and agents shall not be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of this website, reliance on any information provided on this website, or any errors or omissions in website content. This includes, but is not limited to, damages related to coverage disputes, claim denials, policy cancellations, or any gaps in insurance coverage. We make no warranties, express or implied, regarding the accuracy, completeness, or timeliness of the information on this website.
7. No Warranties
This website and all content, materials, and information provided on it are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.
8. Third-Party Links and Services
This website may contain links to third-party websites, including but not limited to insurance carrier portals, payment platforms, and client management systems. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites or services. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.
9. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Cheri Nelson Insurance Agency, LLC or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.
10. Privacy
Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using this website, you consent to the collection and use of information as described in our Privacy Policy.
11. Indemnification
You agree to indemnify, defend, and hold harmless Cheri Nelson Insurance Agency, LLC, its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of this website, your violation of these Terms, or your violation of any rights of any third party.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Berkeley County, South Carolina.
13. Changes to These Terms
We reserve the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this website. Your continued use of this website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
14. Contact Information
If you have questions about these Terms of Service, please contact us at:
Cheri Nelson Insurance Agency, LLC
205 N Goose Creek Blvd
Goose Creek, SC 29445
Phone: (843) 793-3168
Email: cam@cherinelsoninsuranceagency.com