Terms & Conditions

By using the Website, you agree to these Terms to the extent permitted by applicable law. If you do not agree, please discontinue use. These Terms govern Website use; they do not replace an insurance policy, binder, application, carrier agreement, payment authorization, or separate written agreement with us.

The Website is intended for adults seeking insurance information, quotes, policy assistance, or agent opportunities. If you submit information on behalf of another person or business, you must have authority to do so.

The Matzat Agency is an independent insurance agency. Our Website describes home, auto, renters, life, and other insurance products and provides access to quote requests and customer-service resources.

Our Website identifies Missouri, Illinois, and Kansas as states we serve, including the St. Louis and Chicago areas. Insurance transactions are available only where the agency, the individual producer, and the applicable insurer have the licensing or other authority required for the transaction. Not every product or insurer is available in every state or for every applicant.

Website descriptions are general summaries. Actual coverage, exclusions, limits, deductibles, eligibility, and benefits are governed by the applicable policy and endorsements. General information is not a recommendation for your particular circumstances and is not legal, tax, or investment advice. Speak with a licensed agent about your insurance needs and an appropriate professional about legal, tax, or investment questions.

Submitting a quote request, application inquiry, contact form, email, text message, or other Website request does not by itself bind insurance coverage, create a binder, issue a policy, or guarantee acceptance.

Quotes are based on the information available and may change after verification, underwriting, selection of coverage, or review by the insurer. A quote is not a guarantee of a final premium or future renewal rate. Coverage begins only when properly bound or issued by the insurer or an authorized representative, subject to any applicable requirements, and at the confirmed effective date and time.

Do not cancel existing insurance solely because you submitted a request or received an estimate. Obtain confirmation that replacement coverage is in effect first. We compare options available through our agency; we do not promise to quote every insurer or obtain the lowest price in the market.

You agree to provide information that is accurate and complete to the best of your knowledge and to notify us of material corrections. Inaccurate or incomplete information may affect quotes, eligibility, underwriting, or coverage, subject to applicable law and policy terms.

Only provide information about another person when authorized to do so. Do not include Social Security numbers, full payment-card numbers, card security codes, or detailed medical records in general Website messages or ordinary email. Contact us for an appropriate secure method when sensitive information is needed.

Saving information in an unfinished quote form does not submit it to the agency or create a request for coverage. Our Privacy Policy explains how unfinished form information may be stored on your device.

A Website message requesting a policy change, cancellation, reinstatement, certificate, or other service is a request for assistance. An automated acknowledgment confirms receipt only; it does not confirm that the requested action has been completed or establish an effective date.

Contact us directly and obtain confirmation from the insurer or an authorized representative when timing is important. Changes remain subject to applicable authority, policy terms, insurer requirements, and law.

For claims, follow the reporting instructions and deadlines in your policy and contact your insurer promptly. We may assist with communications, but claim decisions and payments are determined by the insurer under the policy and applicable law. Do not rely on an unconfirmed Website submission as the sole means of satisfying a claim-reporting requirement.

The Website is not an emergency service. If there is an immediate threat to life or safety, contact emergency services.

Quote requests through this Website are free and carry no obligation to purchase insurance. If you choose to purchase a policy, premiums and any separately disclosed, legally permitted charges are governed by the applicable transaction documents.

Payments through insurer portals or other payment services are subject to those providers' terms and processing rules. Providing payment information or signing a payment authorization does not by itself establish or reinstate coverage. Payment timing, refunds, cancellations, and any premium adjustments are governed by applicable policy terms, agreements, and law. A one-time payment authorization does not authorize recurring charges unless you separately agree to them.

We may respond to your request using the contact information and preferences you provide, subject to applicable law. Using the Website or providing a phone number alone does not constitute consent to automated marketing calls or texts.

Program name: The Matzat Agency text messaging program.

When you separately opt in through a consent checkbox or another appropriate process, you agree to receive messages consistent with that consent. Depending on your request, these may include quote follow-ups, appointment communications, insurance-service messages, or agent-interest follow-ups. Messages may be sent using an automated system. Promotional messages will be sent only where permitted and covered by the required consent.

• Message frequency varies.
• Message and data rates may apply.
• Consent is not a condition of purchasing insurance or entering into an agent contract.
• Reply STOP to opt out or HELP for assistance. You may also call (314) 400-7117, or communicate a revocation through another reasonable method.
• We will honor consent revocation as required by applicable law. A permitted confirmation message may be sent after your request.
• You confirm that you are authorized to consent for the number provided. Please notify us if the number changes or you no longer control it.

Delivery is not guaranteed. Wireless carriers are not liable for delayed or undelivered messages. Do not rely on text messages alone to confirm coverage, meet a policy deadline, or report an urgent claim. Our Privacy Policy explains how we handle personal information and mobile consent information.

Submitting an agent-interest form requests information only. It does not establish employment, an independent-contractor relationship, an appointment, carrier access, or a contractual entitlement.

Any opportunity is subject to review, required licensing and eligibility, carrier approval where applicable, and a separate agreement. Website descriptions of support, leads, commissions, or opportunities are general descriptions; final arrangements are established in the applicable agreement. Earnings, lead volume, appointments, and business results are not guaranteed.

Please review our Privacy Policy for information about collection, use, sharing, device storage, and communication choices. Separate insurer privacy notices and insurance-related authorizations may also apply. These Terms do not create additional consent for data use or electronic communications where separate consent is required by law.

The Website may link to insurer portals, payment services, social media, and other resources operated by third parties. Those sites have their own terms and privacy practices. We do not control their content, availability, or operations. A link does not guarantee a third party's services or change the terms of your insurance policy.

Our Website text, design, branding, and other materials belong to The Matzat Agency or the applicable owners or licensors. Carrier names, logos, and trademarks belong to their respective owners. You may view and print Website materials for personal insurance-related use, preserving ownership notices. Other reproduction, modification, or commercial use requires permission unless otherwise allowed by law.

Do not misuse the Website, submit fraudulent requests, impersonate another person, attempt unauthorized access, introduce malicious code, collect others' personal information without authorization, or interfere with Website operations. We may restrict access when reasonably necessary to address misuse, security risks, or legal obligations.

We strive to keep the Website useful and accurate, but content may contain errors or become outdated. Availability may be affected by maintenance, technical problems, or third-party services. To the extent permitted by law, the Website's general information and functionality are provided "as is" and "as available," without guarantees of uninterrupted access, error-free operation, or suitability for every purpose.

To the extent permitted by applicable law, we are not liable for indirect, incidental, special, consequential, or punitive damages arising solely from Website use or inability to access it. This provision does not limit obligations under an insurance policy or separate agreement, excuse fraud, willful misconduct, or gross negligence, waive nonwaivable consumer rights, or limit liability that cannot lawfully be excluded. Any applicable legal protections remain in effect.

These Website Terms are governed by Missouri law, except where applicable federal law or mandatory laws of another jurisdiction require otherwise. This provision does not change the law governing an insurance policy or deprive you of nonwaivable rights under applicable law.

If a provision is found unenforceable, the remaining provisions continue to apply to the extent permitted by law. A failure to enforce a provision on one occasion does not waive the right to enforce it later.

We may revise these Terms as our Website or practices change. Revisions will be posted with an updated effective date and apply prospectively. We will provide additional notice or obtain agreement when required by law. Updates do not alter an existing insurance policy or separate agreement without the process applicable to that policy or agreement.