The terms and conditions governing use of our website and services.
Effective Date: January 1, 2026
By accessing or using the website operated by Mitch Van Dusen Insurance ("we," "us," or "our") at vandusenlifeinsurance.com, or by engaging with our insurance brokerage services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
These Terms of Service apply to all visitors, users, clients, and anyone who accesses or uses our website or services in any capacity. We reserve the right to update or modify these terms at any time, and your continued use of the website or services after such changes constitutes acceptance of the revised terms.
Mitch Van Dusen Insurance operates as a licensed, independent life insurance brokerage. We help individuals and families evaluate, compare, and obtain life insurance coverage from a variety of third-party insurance carriers.
Our services include, but are not limited to:
While we work diligently to help you find appropriate coverage, we cannot and do not guarantee that:
All insurance coverage is subject to the underwriting guidelines, approval processes, and terms and conditions of the issuing insurance carrier. Final decisions on coverage, premiums, and policy terms are made solely by the insurance carrier, not by Mitch Van Dusen Insurance.
You agree to provide accurate, current, and complete information when using our website, submitting contact forms, scheduling consultations, or completing insurance applications. Providing false, misleading, or incomplete information may result in denial of coverage, policy cancellation, or other adverse consequences.
The information presented on our website is intended for general informational purposes only and should not be construed as professional financial, legal, or medical advice. While we strive to keep all content accurate and up to date, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information on our website.
Our website and services may involve or link to third-party platforms and services, including but not limited to:
We work with multiple insurance carriers to present you with coverage options. Each carrier operates independently and is subject to its own terms of service, privacy policies, and underwriting guidelines. We are not responsible for the actions, decisions, products, or practices of any insurance carrier.
We may use third-party scheduling tools to facilitate booking consultations. These platforms may collect your personal information in accordance with their own privacy practices. Your use of these scheduling tools is subject to their respective terms of service.
Our website may contain links to external websites that are not operated by us. We have no control over the content, privacy policies, or practices of third-party websites and assume no responsibility for them. We encourage you to review the terms and privacy policies of any external sites you visit.
All content on this website — including but not limited to text, graphics, logos, images, design elements, page layout, and code — is the property of Mitch Van Dusen Insurance or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this website without our prior written consent. Limited use for personal, non-commercial purposes (such as printing a page for your reference) is permitted, provided that you do not alter the content or remove any copyright or proprietary notices.
To the fullest extent permitted by applicable law, Mitch Van Dusen Insurance, its owner, agents, affiliates, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total liability to you for any claim arising out of or related to these terms or our services shall not exceed the amount you have paid to us in the twelve (12) months preceding the event giving rise to the claim. As our brokerage services are provided at no direct cost to you, this limitation reflects the nature of the services provided.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action or proceeding arising under these terms shall be brought exclusively in the federal or state courts located in Harris County, Texas, and you consent to the jurisdiction of such courts.
If any provision of these Terms of Service is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these terms shall otherwise remain in full force and effect.
We reserve the right to modify, update, or replace these Terms of Service at any time at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page. It is your responsibility to review these terms periodically for changes.
Your continued use of the website or our services following the posting of any changes constitutes acceptance of those changes. If you do not agree with the updated terms, you should discontinue use of our website and services immediately.
If you have any questions or concerns about these Terms of Service, please contact us:
These SMS Messaging Terms & Conditions ("SMS Terms") supplement the general Terms of Service above and specifically govern our use of Short Message Service (SMS), Multimedia Messaging Service (MMS), and text messaging communications (collectively, "SMS Messages") with you. By providing your mobile phone number to us (via website form, verbal consent, or otherwise) or by opting in to receive SMS Messages, you expressly agree to these SMS Terms, our general Terms of Service, and our Privacy Policy. If you do not agree, do not provide your phone number or opt in to SMS communications.
We may send you SMS Messages for the following purposes related to our life insurance brokerage services:
All SMS Messages are sent using automated systems and may include embedded links (e.g., to policy documents or scheduling tools) or phone numbers for callback. Messages are professional, relevant to insurance services, and comply with applicable laws including TCPA, CTIA guidelines, and A2P 10DLC requirements.
Message frequency varies based on your needs and interactions. You may receive 1-4 messages per month on average, though this can be higher during active policy application, renewal periods, or if you engage in two-way communication. We do not send spam or unrelated content.
Consent to receive SMS Messages is not a condition of purchasing any goods or services. You provide prior express written consent when you: (1) submit your phone number via our website contact/quote form with an unchecked checkbox acknowledging these SMS Terms; (2) verbally provide consent; or (3) reply affirmatively to a confirmation message. We may use double opt-in (e.g., sending a confirmation text requiring "YES" reply) for added compliance.
You may opt out of receiving SMS Messages at any time by replying "STOP", "UNSUBSCRIBE", "END", "QUIT", "CANCEL", or "OPT-OUT" to any message we send. After opting out, you will receive one final confirmation message stating you have been unsubscribed, and no further messages will be sent (except as required by law). Opt-out requests are processed immediately. If you experience issues, contact us via the details in the "Contact Us" section above.
Message and data rates may apply for each SMS Message sent or received, depending on your mobile carrier plan and rates. We do not charge you any additional fees for our SMS program, but standard messaging and data charges from your carrier may apply. Please consult your mobile carrier for details on applicable rates.
For help or questions about our SMS program, reply "HELP" to any message, or contact us directly:
Our SMS Messages pertain to life insurance and financial services, which are intended only for individuals 18 years of age or older. By opting in or providing your phone number, you represent and warrant that you are at least 18 years old. We do not knowingly collect or send messages to individuals under 18. If we learn a recipient is under 18, we will immediately cease messaging and delete the number.
Carriers are not liable for delayed or undelivered messages. Participation in our SMS program is subject to carrier filtering, blocking, or other restrictions. We are not responsible for messages not delivered due to carrier actions, technical issues, or your device settings.
These SMS Terms are governed by the same law and jurisdiction as the general Terms of Service (Texas law, Harris County courts). We reserve the right to modify these SMS Terms at any time; continued receipt of messages after changes constitutes acceptance. For full privacy details (including how we handle your phone number), see our Privacy Policy, which is incorporated herein. We do not sell or share your phone number for unrelated marketing purposes.