Effective Date: 5/6/2026
Welcome to Larry W Payne Insurance. These Terms & Conditions ("Terms") govern your use of our website and insurance services. By accessing our site, you agree to comply with these Terms.
1. Use of Website
You agree to use the Larry W Payne Insurance website only for lawful purposes and in a manner that does not harm, disrupt, or infringe upon the rights of others or the operation of the site.
2. Intellectual Property
All original content on this website — including text, graphics, logos, and other proprietary materials — is the property of Larry W Payne Insurance and is protected by applicable intellectual property laws. You may not use, reproduce, modify, or distribute any original content without our prior written consent.
Certain images or media on this website may be sourced from third-party providers such as Unsplash and Pexels, which make content available for free commercial and non-commercial use under their respective licenses. Larry W Payne Insurance does not claim ownership of such third-party materials, and all credited content remains the property of its original creators.
3. User Submissions
Any feedback, reviews, testimonials, or other content you provide to Larry W Payne Insurance may be used for service improvement or marketing purposes, including showcasing our customer satisfaction in the state of North Carolina. By submitting such content, you grant us a royalty-free, worldwide license to use it.
4. Communication Consent
SMS:
By submitting your mobile number and opting in, you consent to receive SMS messages from Larry W Payne Insurance.
If you consent to receive conversational and informational SMS from Larry W Payne, you agree to receive conversational and informational SMS from us.
EMAIL:
By submitting your contact information, you consent to receive communication from Larry W Payne Insurance related to quotes, project updates, or inquiries.
You may opt out of marketing communications at any time by contacting sales@larrywpayne.com.
5. Disclaimer of Warranties
The website and all content are provided “as is” without warranties of any kind, either express or implied. Larry W Payne Insurance makes no guarantee as to the accuracy, availability, or performance of this site or the services referenced herein.
6. Limitation of Liability
Larry W Payne Insurance shall not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with your use of the website or services.
7. GDPR Compliance
If you are located in the European Economic Area (EEA), you are entitled to specific rights under the General Data Protection Regulation (GDPR). Please refer to our Privacy Policy for details on how we handle personal data and data subject rights.
8. Changes to Terms
We may update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date. Continued use of the website after such updates constitutes your acceptance of the new Terms.
9. Contact
If you have any questions about these Terms, please contact us at:
Larry W Payne Insurance
Email: sales@larrywpayne.com
Website: www.larrywpayne.com
