Last Updated: August 24, 2026

1. Agreement to Terms These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Anchor & Trust Insurance Group (“we,” “us,” or “our”), concerning your access to and use of our website as well as any other media form, media channel, mobile website, or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms and Conditions. If you do not agree with all of these Terms and Conditions, then you are expressly prohibited from using the Site and you must discontinue use immediately.

2. Intellectual Property Rights Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

3. General Informational Disclaimer The content provided on this website, including but not limited to insurance articles, coverage descriptions, and calculators, is provided for general informational purposes only. It is not intended as, and should not be construed as, formal professional, legal, tax, or financial advice. We make no representations or warranties of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

4. No Binding Authority Form Submissions Do Not Bind Coverage. Submitting a request for a quote, completing a contact form, or sending an email inquiry through this website does not constitute a binding agreement to provide insurance. Coverage cannot be bound, altered, or canceled via our website, email, or voicemail. An authorized, licensed representative of Anchor & Trust Insurance Group must explicitly confirm all coverage decisions, alterations, and cancellations in writing.

5. Geographic and State Licensing Anchor & Trust Insurance Group operates from our headquarters at 2500 Bransford Ave, Nashville TN, 37204. We are licensed to sell insurance products in specific jurisdictions. Not all products and services described on the Site are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by the underwriting insurance company.

6. User Communications and SMS Messaging By opting into SMS communications on our website forms, you affirmatively consent to receive text messages from us regarding your inquiries, policy updates, and relevant offers. You may opt out at any time by replying “STOP” to any message. Standard message and data rates may apply depending on your carrier.

7. Prohibited Activities You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Site, you agree not to:

• Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information.
• Circumvent, disable, or otherwise interfere with security-related features of the Site.
• Use the Site in a manner inconsistent with any applicable laws or regulations.

8. Limitation of Liability In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Site, even if we have been advised of the possibility of such damages.

9. Governing Law These Terms and Conditions and your use of the Site are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles.