Last Updated: April 18, 2025
Welcome to the Higher Standard Agency website. Please read these Terms and Conditions carefully before using our website. By accessing or using our website, you agree to be bound by these Terms and Conditions.
By accessing or using the website at https://higherlevelinsuranceagency.com/("Website"), operated by Higher Standard Agency/Syndicate Financial ("Higher Standard Agency," "we," "our," or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use our Website.
We reserve the right to modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of any changes constitutes your acceptance of such changes. It is your responsibility to review these Terms and Conditions regularly.
You may use our Website for lawful purposes and in accordance with these Terms and Conditions. You agree not to use our Website:
In any way that violates any applicable federal, state, local, or international law or regulationTo transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitationTo impersonate or attempt to impersonate Higher Standard Agency, a Higher Standard Agency employee, another user, or any other person or entityTo engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Higher Standard Agency or users of the Website
If you create an account on our Website, you are responsible for maintaining the confidentiality of your account information, including your password, and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Higher Standard Agency, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes in accordance with these Terms and Conditions. You may not:
Reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our WebsiteUse any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying textDelete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this Website
While we strive to ensure that all information on our Website is accurate and up-to-date, we make no warranties or representations regarding the accuracy, completeness, or reliability of any content on our Website. Any reliance you place on such information is strictly at your own risk.
The insurance information provided on our Website is for general informational purposes only and should not be construed as professional insurance advice. We recommend consulting with a licensed insurance professional before making any decisions regarding insurance coverage.
The Website may contain links to third-party websites or resources that are not owned or controlled by Higher Standard Agency. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or resources. You acknowledge and agree that Higher Standard Agency shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or resources.
THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. HIGHER STANDARD AGENCY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HIGHER STANDARD AGENCY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
You agree to defend, indemnify, and hold harmless Higher Standard Agency, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions or your use of the Website.
Your use of the Website is also subject to our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy, which explains how we collect, use, and disclose information that pertains to your privacy.
If you have opted in to receive SMS marketing messages from us, your use of this service is subject to our SMS Marketing terms outlined in our Privacy Policy.
We may terminate or suspend your access to all or part of the Website, without notice, for any conduct that we, in our sole discretion, believe is in violation of any applicable law or is harmful to the interests of another user, a third-party, or us.
These Terms and Conditions and any disputes relating hereto shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles. You agree that any legal action or proceeding between Higher Standard Agency and you related to these Terms and Conditions shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Michigan.
If any provision of these Terms and Conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms and Conditions will continue in full force and effect.
These Terms and Conditions, together with the Privacy Policy, constitute the sole and entire agreement between you and Higher Standard Agency regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
If you have any questions about these Terms and Conditions, please contact us at:
Higher Standard Agency/Syndicate Financial
310 W. Front St.
Traverse City, MI 49685
Phone: 231-218-5954
Email: [email protected]
Contact Person: Nik Biddinger