Terms & Conditions
1. Agreement to Terms
These Terms & Conditions ("Terms") govern your use of the website and services provided by Lotus Assurance ("Lotus Assurance," "we," "us," or "our"), an independent insurance agency located in Little Rock, Arkansas. By accessing our website, submitting a form, or communicating with us, you agree to these Terms. If you do not agree, please do not use our website or services.
2. Use of Our Services
Lotus Assurance is an independent insurance agency that compares products from multiple insurance carriers. Information provided on this website is for general informational purposes only and does not constitute insurance advice, a quote, or an offer or binder of coverage. Coverage, eligibility, and pricing are determined solely by the applicable insurance carrier and are subject to underwriting approval and policy terms.
You agree to provide accurate and complete information when requesting quotes or services, and to use our website and services only for lawful purposes.
3. SMS Terms of Service
By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Lotus Assurance. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at https://www.lotusassurance.com/contact-us/privacy-policy/. Message HELP for help. Reply STOP to any message to opt out.
Program details
- Messaging frequency may vary.
- Message and data rates may apply.
- To opt out at any time, text STOP.
- For assistance, text HELP or visit our website at https://lotusassurance.com.
- Visit https://www.lotusassurance.com/contact-us/privacy-policy/ for our privacy policy and https://lotusassurance.com/terms-conditions/ for our Terms of Service.
Opt-in and consent
You consent to receive SMS messages only after opting in through a web form or other medium. Your consent to receive SMS messages is not a condition of purchasing any goods or services.
How to opt out
You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After you send STOP, you may receive a one-time confirmation message that you have been unsubscribed, after which you will no longer receive SMS messages from us. To rejoin, opt in again through a web form or other medium.
Help
For help, reply HELP to any message, text HELP, or contact us at (501) 476-4445 or robert@lotusassurance.com.
Carriers and liability
Supported carriers may vary, and carriers are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent to you from us and to us from you.
4. Privacy
Your use of our website and services is also governed by our Privacy Policy, available at https://www.lotusassurance.com/contact-us/privacy-policy/. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Disclaimers and Limitation of Liability
This website and its content are provided "as is" without warranties of any kind. Lotus Assurance does not guarantee rates, savings, or specific coverage outcomes. We are not responsible for decisions made by insurance carriers, including underwriting, pricing, or claims decisions. To the fullest extent permitted by law, Lotus Assurance shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or services.
6. Intellectual Property
All content on this website, including text, graphics, logos, and the Lotus Assurance name and mark, is the property of Lotus Assurance and may not be used without written permission.
7. Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted to this page, and the "Last updated" date above reflects the most recent revision. Your continued use of our website or services constitutes acceptance of the updated Terms.
8. Governing Law
These Terms are governed by the laws of the State of Arkansas, without regard to its conflict-of-law provisions.
9. Contact Us
Questions about these Terms? Contact Lotus Assurance:
Lotus Assurance
6221 Colonel Glenn Rd, Suite 4, Little Rock, AR 72210
Phone: (501) 476-4445
Email: robert@lotusassurance.com
Website: https://lotusassurance.com
Lotus Assurance is an independent insurance agency and represents multiple carriers; we do not work for any single insurance company. These Terms are provided for general informational purposes and do not constitute legal advice. Please consult qualified legal counsel before relying on this document.