Effective Date: January 14, 2026
These Terms of Service ("Terms") govern your access to and use of the website https://rcityinsurance.com/ (the "Site"), owned and operated by RiverCity 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. SMS/Text Messaging Terms
By providing your mobile phone number and consenting to receive text messages, you agree to the following SMS/Text Messaging Terms from RiverCity Insurance.
Business Identity
RiverCity Insurance may send you marketing and non-marketing text messages, including but not limited to appointment reminders, policy updates, account notifications, service-related messages, promotional offers, and important account information.
Opt-Out & Support Mechanisms
You can cancel the SMS service at any time. Just text "STOP" to the number from which you received the message. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or by calling (503) 339-3066.
Carrier Liability
Carriers are not liable for delayed or undelivered messages.
Message Frequency
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive message frequency that varies based on your interactions and services requested. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Privacy Policy
If you have any questions regarding privacy, please read our privacy policy:
https://rcityinsurance.com/privacypolicy
4. 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).
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. Termination
We may suspend or terminate your access to the Site at any time, without notice, for any reason, including suspected violations.
11. 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.
12. Changes to Terms
We may update these Terms. Changes will be posted here with a revised effective date. Continued use after changes constitutes acceptance.
13. Contact Us
RiverCity 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.