Last updated: July 20, 2025
Welcome to the website and online services (the “Service”) provided by Nathan Betters Insurance Agency LLC, doing business as Betters Insurance (“we,” “us,” or “our”). By accessing or using the Service at https://www.bettersinsurance.com, you agree to be bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, please do not use the Service.
1. Definitions
- Client, You, Your: anyone who accesses or uses the Service.
- Service: Betters Insurance website and related online offerings.
- User Content: any information, comments, or content you submit through the Service.
2. Acceptance & Eligibility
You must be at least 18 years old and have the legal capacity to enter into these Terms. By using the Service, you represent and warrant that you meet these requirements.
3. Privacy & Cookies
Our collection and use of personal data is governed by our Privacy Policy. We use cookies and similar technologies to improve your experience and for analytics. By using the Service, you consent to our use of cookies as described in the Privacy Policy.
4. License & Intellectual Property
Unless otherwise noted, all content, features, and functionality on the Service (including text, graphics, logos, and software) are owned by Nathan Betters Insurance Agency LLC or its licensors and are protected by U.S. and international copyright, trademark, and other laws.
You may:
- View and download materials for personal or internal business use.
- Share links to public pages, provided you do not falsely imply endorsement by us.
You may not:
- Copy, reproduce, republish, distribute, or create derivative works from any content without our express written permission.
- Reverse-engineer, decompile, or disassemble any software used in the Service.
5. User Content & Moderation
You retain ownership of any User Content you submit. By posting, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and display your content in connection with the Service.
You agree not to submit User Content that:
- Infringes any third-party intellectual property or privacy rights.
- Is defamatory, obscene, or otherwise unlawful.
- Promotes illegal activities or solicits business without our consent.
We reserve the right (but have no obligation) to monitor, remove, or refuse any User Content that we determine, in our sole discretion, violates these Terms or is objectionable.
6. Third-Party Links & iFrames
The Service may contain links to third-party websites and embedded content (e.g., iframes). We do not control third-party sites and are not responsible for their content, policies, or practices. Use them at your own risk.
7. Hyperlinking Policy
Certain organizations (government agencies, search engines, news outlets) may link to our home page without prior approval. Other linking requests must be approved in writing by us. Contact nathan@bettersinsurance.com with details about your site and intended links.
8. Disclaimers & No Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND. We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted, secure, or error-free operation.
9. Limitation of Liability
To the fullest extent permitted by law, in no event will Nathan Betters Insurance Agency LLC or its affiliates, officers, employees, or agents be liable for any indirect, incidental, special, punitive, or consequential damages, including lost profits, arising out of or related to your use or inability to use the Service.
10. Indemnification
You agree to indemnify and hold harmless Nathan Betters Insurance Agency LLC, its officers, directors, employees, and agents from any claims, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising from:
- Your use of the Service.
- Your breach of these Terms.
- Your violation of any law or third-party rights.
11. Changes to Terms
We may update these Terms at any time by posting a revised version at this location. We will update the “Last updated” date. Your continued use after changes constitutes acceptance.
12. Governing Law & Venue
These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles. Any dispute arising under or relating to these Terms will be resolved exclusively in the state or federal courts located in Hennepin County, Minnesota.
13. Severability & Waiver
If any provision is held invalid, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain in full force. Our failure to enforce any right is not a waiver.
14. Contact Us
For questions, link requests, or permission to use content, email us at nathan@bettersinsurance.com or call (612) 438-3377.
