1. Terms of Service (Effective July 2026)These Terms of Service govern your use of the Ketler Insurance Solutions website (the “Website”). By accessing or using this Website, you agree to these Terms. If you do not agree, please do not use the Website.

2. Purpose of This WebsiteThis Website is provided for general informational and educational purposes only. It is designed to help employers and individuals better understand employee benefits and insurance-related topics. Nothing on this Website is intended to be, and should not be taken as, legal, tax, financial, or medical advice. You should always consult with an attorney, accountant, licensed financial professional, or healthcare provider for advice specific to your situation.

3. No Insurance Coverage is CreatedUsing this Website, completing a contact form, scheduling an appointment, or communicating with Ketler Insurance Solutions does not create insurance coverage or guarantee eligibility for any insurance product. Coverage becomes effective only after an application has been submitted, the insurance carrier has approved the application when required, and any required premium has been paid.

4. Accuracy of InformationWhile Ketler Insurance Solutions strives to provide accurate and current information, insurance products, carrier guidelines, regulations, and pricing may change without notice. We do not guarantee the completeness, accuracy, or availability of any information on this Website, and you should not rely solely on the information provided here to make insurance or benefits decisions.

5. Intellectual PropertyAll content on this Website, including text, graphics, logos, branding, and original materials, is the property of Ketler Insurance Solutions unless otherwise stated. You may not copy, reproduce, or distribute any content from this Website without our prior written permission.

6. Third-Party LinksThis Website may contain links to third-party websites for your convenience. Ketler Insurance Solutions is not responsible for the content, accuracy, privacy practices, or availability of any external websites. Accessing third-party sites is at your own risk.

7. Limitation of LiabilityYour use of this Website is at your own risk. Ketler Insurance Solutions is not liable for any direct, indirect, incidental, or consequential damages that may result from your use of the Website or reliance on any information contained here.

8. PrivacyYour use of this Website is also governed by our Privacy Policy. Any information you submit through contact forms or other means on the Website will be handled in accordance with that policy.

9. Changes to These TermsKetler Insurance Solutions may update or modify these Terms of Service at any time. Changes are effective immediately upon posting on this Website. Your continued use of the Website after changes are posted means you accept the updated Terms.

10. ContactIf you have questions about these Terms of Service, please contact Ketler Insurance Solutions using the contact information provided on this Website.