Effective Date: 03/07/2025
Last Updated: 03/07/2025
Welcome to Virtue Group LLC (“Company,” “we,” “our,” or “us”). By accessing or using our website, you agree to comply with and be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use our website.
1. Definitions
For the purposes of these Terms:
“Website” refers to all pages, content, and services available at virtuegroupllc.org.
“User,” “you,” or “your” refers to any individual or entity accessing or using our Website.
“Services” refers to the insurance-related services and other offerings provided by Virtue Group LLC.
2. Use of the Website
You must be at least 18 years old to use this website.
You agree to use this website only for lawful purposes and in a way that does not violate any applicable laws or regulations.
3. No Financial or Legal Advice
The content on this website is for informational purposes only and should not be considered financial, legal, or insurance advice. Always consult a licensed professional before making any decisions.
4. Insurance Services & Licensing
Virtue Group LLC operates as a licensed insurance agency in multiple states. Licensing details can be found on our Licensing & Disclaimer Page. We do not guarantee approval for any insurance product, as all policies are subject to underwriting.
5. Consent for Communications
By submitting your contact information, you consent to receive calls, texts, emails, or postal mail from us and our agents, including those sent via automated systems. Your consent is not required for purchase. See our TCPA Consent for full details.
6. Intellectual Property
All content on this website, including text, logos, and trademarks, is owned or licensed by Virtue Group LLC and may not be copied, reproduced, or distributed without our permission.
7. User Responsibilities & Prohibited Activities
By using our website, you agree not to:
Engage in fraudulent, misleading, or deceptive behavior.
Upload or distribute malicious software, viruses, or harmful content.
Attempt to hack, disable, or disrupt the Website’s functionality.
Use automated systems (e.g., bots, scrapers) to extract data.
Impersonate another person or falsely represent affiliation with an entity.
Engage in any activity that violates applicable laws or regulations.
We reserve the right to terminate access to any user engaging in prohibited activities.
8. Limitation of Liability
We are not responsible for any damages, losses, or liabilities arising from your use of this website. Specifically:
We do not guarantee that the site will always be available, secure, or error-free.
To the fullest extent permitted by law, Virtue Group LLC, its officers, directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the website, even if advised of the possibility of such damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless Virtue Group LLC and its affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:
Your use of the website.
Your violation of these Terms.
Any third-party claims related to your actions on the website.
10. Third-Party Links & Advertisements
Our website may contain links to third-party sites. We are not responsible for their content, privacy policies, or practices. Clicking on external links is at your own risk.
11. Termination of Access
We reserve the right to suspend or terminate your access to the website at any time, without notice, for:
Violation of these Terms.
Any conduct that we determine to be harmful, unlawful, or disruptive.
12. Privacy Policy Reference
By using our website, you agree to the terms outlined in our Privacy Policy, which explains how we collect, use, and protect your data.
13. Refunds & Cancellations (If Applicable)
If any paid services are offered, our Refund & Cancellation Policy will govern any refund requests.
14. Updates & Notifications
We may update these Terms at any time. Continued use of the website after changes are posted means you accept the new Terms. Users will be notified of significant changes via email or website updates.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Texas, without regard to conflicts of law principles. Any disputes will be resolved through binding arbitration in Texas, and users waive the right to participate in class-action lawsuits.
16. Contact Information
For questions about these Terms, contact us at:
Virtue Group LLC
5900 Balcones Dr, Austin, TX 78731
Email: [email protected]
Privacy Policy Terms of Service