Terms of Service

Last Updated: April 23, 2025

Please read these Terms of Service ("Terms") carefully before using https://youngsassociates.com (the “Website”) operated by Young’s & Associates, LLC, a Missouri Limited Liability Company (“we,” “us,” “our”).

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Website.

1. Use of the Website

You agree to use this Website only for lawful purposes. You may not:

• Violate any local, state, or federal laws or regulations
• Attempt unauthorized access to our systems
• Transmit malware, viruses, or harmful code
• Use automated tools to scrape or access the Website

2. Intellectual Property

All content on the Website — including text, images, graphics, logos, and software — is the property of Young’s & Associates or its licensors and is protected by copyright and trademark laws. Unauthorized use is prohibited.

3. Service Descriptions

We strive to keep service information accurate, but we do not warrant that all descriptions, coverage options, or offerings are complete, current, or error-free. Insurance services are subject to availability and qualification.

4. No Professional Advice

The information provided on this Website is for informational purposes only and does not constitute legal, financial, or insurance advice. Always consult directly with a licensed agent for personalized guidance.

5. Third-Party Links

This Website may include links to third-party websites. We do not control or endorse these sites and are not responsible for their content, policies, or practices. You access them at your own risk.

6. Limitation of Liability

To the fullest extent allowed by law, we will not be liable for any damages arising out of or related to your use of this Website or linked third-party sites, including indirect, incidental, or consequential damages.

7. Disclaimer of Warranties

The Website is provided “as-is” and “as-available.” We make no warranties regarding its accuracy, availability, security, or reliability.

8. Indemnification

You agree to indemnify and hold harmless Young’s & Associates and its employees, agents, and affiliates from any claims, damages, or expenses resulting from your use of the Website or violation of these Terms.

9. Governing Law

These Terms are governed by the laws of the State of Missouri. Any legal disputes will be handled in state or federal courts located within Missouri.

10. Changes to These Terms

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page, and continued use of the Website implies your acceptance of the revised Terms.

11. Contact Us

If you have any questions regarding these Terms, please contact:

Email: morganw@insspecial.com