Terms and Conditions

Welcome to MOONLIGHT INSURANCE SERVICES INC ("we," "our," or "us"). By accessing or using our website, mobile app, or any of our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully. If you do not agree with these terms, you must not use our services.

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1. Privacy Policy
Your privacy is important to us. Our Privacy Policy outlines how we collect, use, store, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy. We encourage you to review it periodically to stay informed about how we handle your data.

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2. Payments

• Payment Methods: We accept payments through our website, mobile app, or over the phone using approved payment methods (e.g., credit/debit cards, electronic transfers).

• Processing Fees: All payments may be subject to processing fees as outlined by our payment providers. These fees will be disclosed to you before completing any transaction.

• Timeliness: Payments must be made by the due date specified in your policy to avoid late fees or policy cancellation.

• Refunds: Refunds, if applicable, will be processed in accordance with our refund policy and may take up to 10 business days to reflect in your account.

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3. Policy Changes and Cancellations

• Changes to Your Policy: Any changes to your policy, including coverage adjustments, must be requested through our website, app, or by contacting our office. Changes are subject to approval and may incur additional fees.

• Cancellations: You may cancel your policy at any time by providing written notice. Cancellations may be subject to fees or penalties as outlined in your policy agreement.

• Our Right to Modify or Cancel: We reserve the right to modify, suspend, or cancel your policy in accordance with applicable laws and regulations. You will be notified in writing of any such changes.

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4. Liability Disclaimer

• Website and App Use: MOONLIGHT INSURANCE SERVICES INC is not liable for any damages, losses, or inconveniences resulting from the use of our website, mobile app, or services. This includes, but is not limited to, technical issues, errors, or interruptions in service.

• Third-Party Links: Our website or app may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites.

• Limitation of Liability: To the fullest extent permitted by law, MOONLIGHT INSURANCE SERVICES INC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.

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5. Intellectual Property
All content on our website and app, including text, graphics, logos, and images, is the property of MOONLIGHT INSURANCE SERVICES INC and is protected by copyright and trademark laws. You may not reproduce, distribute, or use any content without our prior written consent.

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6. User Responsibilities
Accuracy of Information: You are responsible for providing accurate and up-to-date information when using our services. Misrepresentation or false information may result in the denial of coverage or cancellation of your policy.

Prohibited Activities: You agree not to use our website or app for any unlawful or unauthorized purposes, including but not limited to fraud, hacking, or distributing malicious software.

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7. Governing Law
These terms and conditions are governed by the laws of the State of Texas. Any disputes arising from your use of our services shall be resolved in the courts of Abilene, Texas.

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8. Changes to Terms and Conditions
We reserve the right to update or modify these terms and conditions at any time. Any changes will be posted on our website, and your continued use of our services constitutes acceptance of the revised terms.

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9. Contact Us
If you have any questions or concerns about these terms and conditions, please contact us:

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Phone: 325-221-6120

Email: info@moonlightins.com

Address: 598 Westwood, Suite 200 D, Abilene, TX 79603

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By using our website, app, or services, you acknowledge that you have read, understood, and agreed to these terms and conditions.