TERMS OF SERVICE

Last updated March 20, 2026

These Terms of Service ("Terms") are a legally binding agreement between you ("you") and: Abraham Kevin Spann & Sons, Inc, doing business as A Kevin Spann Insurance Agency ("we," "us," or "our") regarding your use of our website, services, and communications (collectively, the "Services").

By using our Services, you agree to these Terms.

If you do not agree, you must not use our Services.

1. OUR SERVICES

We provide:

  • insurance consultations and policy reviews

  • assistance with quotes and coverage options

  • communication regarding insurance-related inquiries

We act as an independent insurance agency representing one or more insurance carriers, including Allstate.

We are not the insurance carrier.

All policies are issued and governed by the insurance carrier.

2. NO GUARANTEE OF COVERAGE

Information provided through our Services:

  • is for general informational purposes only

  • does not guarantee coverage

  • does not modify any insurance policy

Coverage is determined solely by:

  • the insurance carrier

  • the official policy documents

Always refer to your actual policy for exact terms, conditions, and coverage.

3. USER RESPONSIBILITY

By using our Services, you agree that:

  • all information you provide is accurate and complete

  • you will review all policy documents carefully

  • you are responsible for understanding your coverage

Failure to provide accurate information may affect:

  • eligibility

  • pricing

  • coverage validity

4. COMMUNICATIONS

By submitting your information, you consent to receive communications from us, including:

  • phone calls

  • emails

  • SMS/text messages

These may include:

  • follow-ups

  • quote updates

  • appointment reminders

You may opt out at any time:

  • SMS → reply STOP

  • email → unsubscribe

Message and data rates may apply.

5. NO PROFESSIONAL OR LEGAL ADVICE

We do not provide:

  • legal advice

  • tax advice

  • financial advice

Any recommendations are general in nature and should not replace consultation with licensed professionals.

6. THIRD-PARTY SERVICES AND CARRIERS

We may work with third-party service providers and insurance carriers.

We are not responsible for:

  • carrier decisions

  • policy approvals or denials

  • claims handling

  • third-party services or systems

7. LIMITATION OF LIABILITY

To the fullest extent permitted by law, we are not liable for:

  • coverage gaps

  • denied claims

  • misunderstandings of policy terms

  • business or financial losses

Your reliance on any information is at your own risk.

8. DISCLAIMERS

All Services are provided "as is" without warranties of any kind.

We do not guarantee:

  • policy approval

  • pricing

  • coverage availability

9. PROHIBITED USE

You agree not to:

  • use the Services for unlawful purposes

  • submit false or misleading information

  • attempt to access systems without authorization

  • interfere with the operation of the Services

10. INTELLECTUAL PROPERTY

All content on our website is owned by us or licensed to us.

You may not:

  • copy

  • reproduce

  • distribute

any content without permission.

11. TERMINATION

We may suspend or terminate access to our Services if:

  • you violate these Terms

  • you misuse our Services

12. GOVERNING LAW

These Terms are governed by the laws of the State of New York.

13. CHANGES TO TERMS

We may update these Terms at any time.

Continued use of our Services means you accept the updated Terms.

14. CONTACT US

If you have questions about this Terms of Service, contact us at:

Abraham Kevin Spann & Sons, Inc, dba A Kevin Spann Insurance Agency

Adress: 146 Arizona Road, West Babylon, New York, 11704, United States

Email: [email protected]

Phone: +1 347-837-7095

© 2026 Abraham Kevin Spann & Sons, Inc, dba A Kevin Spann Insurance Agency. All Rights Reserved.

A Kevin Spann Insurance Agency is operated by Abraham Kevin Spann & Sons, Inc. and functions as an independent insurance agency. We are not the insurance carrier. Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the policy issued by the insurance carrier. Information provided on this site is for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage is not guaranteed and must be confirmed by the issuing carrier. We may use cookies, pixels, and tracking technologies, including Meta Pixel and Google Analytics/Ads, to improve user experience, analyze traffic, and deliver relevant advertising. By using this website, you consent to our data practices as outlined in our policies.

Privacy Policy | Terms of Service | Disclaimer | Cookie Policy