TERMS & CONDITIONS

INCLUDING WEBSITE TERMS OF USE & SMS/TEXT MESSAGING TERMS

Tobaben Insurance Group LLC
Last Updated: February 1, 2026

Welcome to the website of Tobaben Insurance Group LLC ("we," "our," or "us"). By accessing or using this website (), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms of Use, please do not access or use this website. These Terms of Use apply to all users of this website, including visitors, prospective clients, and existing clients.

You must be at least 18 years of age (or the age of majority in your state of residence) to use this website or submit information through it.

1. Use of This Website

This website is provided for informational purposes related to insurance products and services offered by Tobaben Insurance Group LLC, an independent insurance agency licensed in the states where we operate. You agree to use this website only for lawful purposes and in a manner consistent with all applicable federal, state, and local laws and regulations.

We reserve the right to restrict, suspend, or terminate access to this website at any time, without notice, if we suspect misuse, unauthorized activity, or any conduct that violates these Terms of Use.

Prohibited Conduct

You agree not to:

  • Use this website for fraudulent, deceptive, or unlawful purposes
  • Attempt to gain unauthorized access to our systems, servers, or data
  • Interfere with or disrupt the operation, security, or integrity of this website
  • Transmit viruses, malware, or other harmful or malicious code
  • Harvest or collect personal information of other users without authorization
  • Use automated tools, bots, or scrapers to extract content or data from this website
  • Impersonate Tobaben Insurance Group LLC or any of its representatives
  • Post or transmit any content that is defamatory, abusive, harassing, or otherwise objectionable

2. No Insurance Coverage Guarantee

The information provided on this website is for general informational purposes only. Nothing on this website constitutes an offer to provide insurance coverage, a binding agreement, insurance advice, or a confirmation of coverage.

Insurance coverage is subject to:

  • Submission and approval of a complete insurance application
  • Underwriting review and acceptance by an insurance carrier
  • Policy issuance, executed by an authorized carrier
  • Receipt of required premium payment
  • Written confirmation of coverage from Tobaben Insurance Group LLC or the insurance carrier

Coverage is not effective based on online submissions or communications through this website alone. No coverage is in force until confirmed in writing by an authorized representative.

Electronic communications submitted through this website — including contact forms, quote requests, and email — do not constitute notice of a claim, a request to bind coverage, a policy change request, or a cancellation request, unless separately confirmed by us in writing.

3. Accuracy of Information

We make reasonable efforts to provide accurate, complete, and current information on this website. However, we do not warrant or guarantee that all information is free from errors, omissions, or inaccuracies. Information on this website may not reflect the most current policy forms, rates, or regulatory requirements.

You are responsible for independently verifying any information obtained from this website and for carefully reviewing all policy documents issued to you. We encourage you to contact our office directly with questions about your coverage, eligibility, or any information found on this website.

4. Text Messaging (SMS) Terms

This section governs your agreement to receive text message (SMS) communications from Tobaben Insurance Group LLC. By providing your mobile phone number and consenting to receive text messages, whether through a website form, written authorization, or verbal consent to a Tobaben Insurance Group representative, you agree to the following terms.

Opt-In and Consent

By opting in to our text messaging program, you expressly consent to receive recurring automated or manually sent SMS messages from Tobaben Insurance Group LLC at the mobile number you provide. Consent is not required as a condition of purchasing insurance or receiving any service from our agency.

Opt-in methods include:

  • Submitting your mobile number via a website contact or quote request form that includes SMS opt-in consent language
  • Providing written consent to receive text communications
  • Verbally consenting to receive text communications from a Tobaben representative

Types of Messages

Once opted in, you may receive SMS messages regarding:

  • Policy updates, renewals, and coverage reminders
  • Billing notifications and payment reminders
  • Claims status updates and service notifications
  • Appointment confirmations and follow-up communications
  • Customer service responses and account-related communications

Message Frequency

Message frequency varies based on your account activity and interaction with our services. You may receive multiple messages per month depending on your policy status, upcoming renewals, or active service requests.

Message and Data Rates

Message and data rates may apply based on your mobile carrier’s plan. Tobaben Insurance Group LLC does not charge for SMS communications; however, your carrier’s standard rates apply.

Opt-Out Instructions

You may opt out of receiving SMS messages from Tobaben Insurance Group LLC at any time by:

  • Replying STOP to any text message you receive from us
  • Calling us at 832-586-9700
  • Emailing us at with your opt-out request

After opting out, you will receive a single confirmation message and no further SMS communications will be sent, unless you opt in again. Opting out of text messages does not affect your ability to receive insurance services from our agency.

Help

For assistance, reply HELP to any message or contact us at 832-586-9700 or .

Data Sharing

No mobile opt-in data, phone numbers, or SMS consent information will be shared with or sold to third parties or affiliates for marketing or promotional purposes.

For full details on how we handle your data, including SMS-related information, please review our Privacy Policy at

5. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

To the fullest extent permitted by applicable law, Tobaben Insurance Group LLC expressly disclaims all warranties, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Warranties that this website will be uninterrupted, error-free, or free from viruses or harmful components
  • Warranties regarding the accuracy, completeness, timeliness, or reliability of any information on this website

Your use of this website is at your sole risk.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TOBABEN INSURANCE GROUP LLC, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM:

  • Your use of, or inability to use, this website
  • Reliance on any information provided on this website
  • Technical interruptions, system failures, or unauthorized access to our systems
  • Any errors, omissions, or inaccuracies in website content
  • Viruses, malware, or other harmful components that may affect your device

This limitation applies to all categories of damages including direct, indirect, incidental, consequential, special, and punitive damages, even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent such limitations are prohibited in your jurisdiction, they shall apply only to the maximum extent permitted by law.

7. Indemnification

You agree to indemnify, defend, and hold harmless Tobaben Insurance Group LLC and its owners, officers, employees, agents, and representatives from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

  • Your use of or access to this website
  • Your violation of these Terms of Use
  • Your violation of any applicable law or regulation
  • Any information or content you submit through this website

This indemnification obligation survives your discontinuation of use of this website and the termination or expiration of these Terms of Use.

8. Third-Party Links

This website may contain links to third-party websites, resources, or services for your convenience. Tobaben Insurance Group LLC does not control, endorse, or assume responsibility for the content, privacy practices, terms, or accuracy of any third-party website.

Access to and use of any third-party website linked from our website is at your own risk. We encourage you to review the terms and privacy policies of any third-party site you visit.

9. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, audio clips, and digital downloads — is the property of Tobaben Insurance Group LLC or its content suppliers and is protected by applicable United States copyright, trademark, and intellectual property laws.

You may view, print, or download content from this website solely for your personal, non-commercial use, provided you do not remove any copyright or proprietary notices. You may not:

  • Copy, reproduce, republish, distribute, or transmit website content for commercial purposes
  • Modify, create derivative works from, or reverse-engineer any content on this website
  • Use any trademarks, service marks, or logos of Tobaben Insurance Group LLC without prior written permission

Unauthorized use of our intellectual property may violate copyright, trademark, and other applicable laws and may result in legal action.

10. Privacy

Your use of this website is also governed by our Privacy Policy and SMS Communication Terms, which is incorporated into these Terms of Use by reference. Our Privacy Policy explains how we collect, use, and protect your personal information, including data collected through this website and through our text messaging program.

Please review our Privacy Policy carefully at . By using this website, you consent to the data practices described in our Privacy Policy.

11. Dispute Resolution and Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law principles.

Informal Resolution

Before initiating formal legal proceedings, you agree to first contact Tobaben Insurance Group LLC at to attempt to resolve any dispute informally. We will make reasonable efforts to resolve the matter within thirty (30) days of receiving your written notice.

Arbitration

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms of Use or your use of this website shall be resolved by binding arbitration administered by a mutually agreed arbitrator in Montgomery County, Texas, in accordance with applicable arbitration rules. The arbitration shall be conducted on an individual basis.

By agreeing to these Terms of Use, you waive any right to participate in a class action lawsuit or class-wide arbitration against Tobaben Insurance Group LLC relating to your use of this website.

Venue

For any matters not subject to arbitration, or if the arbitration clause is found unenforceable, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Montgomery County, Texas.

12. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible. The remaining provisions shall continue in full force and effect.

13. Entire Agreement

These Terms of Use, together with our Privacy Policy and SMS Communication Terms, constitute the entire agreement between you and Tobaben Insurance Group LLC with respect to your use of this website, and supersede all prior or contemporaneous communications, agreements, and understandings, whether written or oral, relating to that subject matter.

No waiver by Tobaben Insurance Group LLC of any term or condition of these Terms of Use shall be deemed a continuing waiver of that term or of any other term, and any failure to assert a right or provision under these Terms shall not constitute a waiver of that right or provision.

14. Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time. Changes will be effective upon posting to this website, with the “Last Updated” date revised accordingly. Your continued use of this website after any changes are posted constitutes your acceptance of the updated Terms of Use.

We encourage you to review these Terms of Use periodically. For material changes, we will make reasonable efforts to provide notice through the website or by other means as appropriate.

15. Contact Information

For questions about these Terms of Use, our SMS communication program, or your rights, please contact us:

Tobaben Insurance Group LLC

Phone: 832-586-9700
Email:
Website: