Effective Date: January 14, 2026 (update to publication date)
These Terms of Service ("Terms") govern your access to and use of the website https://rcityinsurance.com/ (the "Site"), owned and operated by River City Insurance ("we," "us," or "our"), an independent insurance agency located at 1810 Summer St NE, Salem, OR 97301. By accessing or using the Site, requesting a quote, booking an appointment, submitting information, or otherwise interacting with us, you agree to these Terms. If you do not agree, do not use the Site.
1. Use of the Site The Site provides general information about insurance products and services, quote request forms, appointment scheduling, policy management resources, and contact options. It is for informational purposes only and does not constitute insurance advice, binding quotes, or policy issuance. All insurance products are underwritten and issued by third-party insurance carriers.
You agree to use the Site only for lawful purposes and in accordance with these Terms. You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site or submit personal information.
2. No Insurance Advice or Guarantees We are an independent insurance agency representing multiple carriers. Information on the Site is general and may not apply to your specific situation. We do not guarantee approval, coverage availability, rates, terms, or benefits from any carrier. Any quotes provided are estimates only and subject to carrier underwriting, verification, and final approval. Actual policies may differ. Consult with a licensed agent for personalized advice.
3. User Submissions and Accuracy When you submit information (e.g., via contact/quote forms or appointment booking), you represent that it is accurate, complete, and not misleading. We rely on the information you provide. You grant us a non-exclusive, royalty-free license to use, store, and process your submissions as needed to provide services (subject to our Privacy Policy).
4. Intellectual Property All content on the Site (text, logos, images, forms) is owned by us or our licensors and protected by copyright and other laws. You may view and print content for personal, non-commercial use only. No reproduction, distribution, or modification without prior written permission.
5. Third-Party Links and Services The Site may contain links to third-party sites (e.g., carrier portals, payment processors). We are not responsible for their content, privacy practices, or availability. Access is at your own risk.
6. Disclaimers THE SITE AND ALL INFORMATION/SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.
7. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.
8. Indemnification You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your violation of these Terms, misuse of the Site, or inaccurate submissions.
9. Termination We may suspend or terminate your access to the Site at any time, without notice, for any reason, including suspected violations.
10. Governing Law and Dispute Resolution These Terms are governed by the laws of the State of Oregon, without regard to conflict of laws principles. Any disputes shall be resolved exclusively in the state or federal courts located in Marion County, Oregon. You agree to submit to the personal jurisdiction of those courts.
11. Changes to Terms We may update these Terms. Changes will be posted here with a revised effective date. Continued use after changes constitutes acceptance.
12. Contact Us River City Insurance 1810 Summer St NE, Salem, OR 97301 Phone: (503) 339-3066 Email: [email protected]
By using the Site, you acknowledge that you have read, understood, and agree to these Terms.