Terms of Service

Effective Date: December 21, 2025
Last Updated: December 21, 2025

Welcome to localohioagent.com, operated by Dmush Agency Inc (“Company,” “we,” “us,” or “our”). By accessing or using our website (the “Site”) and related services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use the Site or Services.

1. Eligibility

By using our Services, you represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms.

2. Use of Our Services

Permitted Use:
You may use the Site and Services only for lawful purposes and in compliance with all applicable federal, state, and local laws and regulations.

Restrictions:
You agree not to:

Use the Services for any unlawful, deceptive, or fraudulent purpose

Interfere with or disrupt the operation or security of the Site

Scrape, crawl, harvest, or use automated means to extract data or content without our prior written consent

3. Insurance Services Disclaimer

Dmush Agency Inc is an independent insurance agency licensed to offer insurance products in applicable jurisdictions.

No Binding Authority Online:
Information provided on the Site is for general informational purposes only and does not constitute a binder, insurance policy, or guarantee of coverage. Coverage is not bound unless and until confirmed in writing by an authorized representative of the Company and accepted by the applicable insurance carrier.

Quotes Are Not Guarantees:
Insurance quotes are estimates based on information provided and are subject to underwriting approval, carrier guidelines, policy terms, exclusions, and conditions. Final premiums and coverage may differ.

Carrier Decisions:
All insurance products are underwritten by third-party insurance carriers. We do not control carrier underwriting decisions, pricing, or claims handling and are not responsible for coverage denials or claim outcomes.

4. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of Dmush Agency Inc or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

5. SMS/Text Message Terms

Consent to Receive SMS:
By providing your mobile phone number, you consent to receive SMS or text messages from us, including appointment reminders, insurance-related communications, service updates, and occasional marketing messages, which may be sent using automated technology.

Opt-Out:
You may opt out of receiving marketing text messages at any time by replying “STOP” to any message or contacting us directly. Message and data rates may apply.

6. Disclaimer of Warranties

The Site and Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Dmush Agency Inc and its owners, officers, employees, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or Services.

In no event shall our total liability exceed the amount paid by you, if any, for Services during the six (6) months preceding the event giving rise to the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless Dmush Agency Inc and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, misuse of the Site, or violation of any law or third-party rights.

9. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or the Site shall be resolved through binding arbitration conducted in Franklin County, Ohio, in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

10. Modifications to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on the Site with an updated “Last Updated” date. Continued use of the Site after such changes constitutes acceptance of the revised Terms.

11. Termination

We may suspend or terminate your access to the Site or Services at any time, with or without notice, for any reason, including violation of these Terms.

12. Contact Information

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

Dmush Agency Inc
3500 Lorain Ave
Cleveland, OH 44113
Email: [email protected]
Phone: +1 216-716-5548