Effective Date: March 30, 2026

1. Acceptance of Terms

By accessing or using the James Foster Agency website, you agree to be bound by these Terms of Service. These terms apply to all visitors, users, and others who access or use our digital services. If you do not agree with any part of these terms, you must discontinue use of the site immediately.

2. No Binding of Insurance Coverage

NOTICE: Insurance coverage cannot be bound, changed, or canceled via the submission of any online form, email, or voicemail through this website.

• A “quote request” is a request for information and does not constitute an insurance contract.

• No binder, policy, or change to insurance coverage goes into effect until you have received direct, written, or verbal confirmation from a licensed agent at our Colorado Springs office.

3. SMS & Mobile Communication (10DLC Compliance)

By providing your phone number and opting in to receive text messages from the James Foster Agency, you agree to the following:

• Purpose: We use SMS to provide quote updates, policy reminders, and claims assistance.

• Opt-Out: You may cancel the SMS service at any time by texting “STOP” to (719) 568-9260.

• Help: For assistance, text “HELP” to our office line or call us directly.

• Rates: Standard message and data rates may apply. Frequency of messages varies based on your specific service needs.

4. Informational Purposes Only

The content provided on this website—including our “Plain English” tips and FAQ sections—is for general informational purposes only. It does not constitute professional legal, tax, or financial advice. Insurance needs are unique; you should consult with a licensed professional (James, Beau, or Ignacio) to discuss your specific risks and coverage limits.

5. Licensed Jurisdiction

The insurance products and services described on this website are only available to residents in states where James Foster is a licensed agent. This agency primarily serves Colorado, specifically the Pikes Peak region. Availability of specific products, like the Power Bundle, is subject to underwriting approval by Farmers Insurance®.

6. Intellectual Property

The content, logos, and “Smart Decision” branding on this site are the property of the James Foster Agency or its licensors. You may print or download portions of the material for your personal, non-commercial use, provided you do not change or delete any copyright or proprietary notices.

7. Limitation of Liability

To the maximum extent permitted by Colorado law, the James Foster Agency shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use this website or the information contained herein.

8. Governing Law

These terms are governed by and construed in accordance with the laws of the State of Colorado. Any legal action or proceeding related to this website shall be brought exclusively in a federal or state court of competent jurisdiction sitting in El Paso County, Colorado.

9. Contact Information

If you have any questions about these Terms, please contact our local office: James Foster Agency 13570 Meadowgrass Dr, Ste 203 Colorado Springs, CO 80921 (719) 568-9260