Terms & Conditions
Merley Insurance merleyinsurance.com Effective Date: April 10, 2026
1. Acceptance of Terms
By accessing or using merleyinsurance.com (the "Site"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use the Site.
2. Owner and Governing Law
This Site is owned and operated by Eric Merley (Merley Insurance), 5880 W 600 S, Claypool, Indiana 46510. These Terms are governed by the laws of the State of Indiana, U.S., without regard to its conflict-of-law rules.
3. Site Use & Eligibility
You must be at least 18 years old to use this Site. You may use the Site for lawful, personal purposes only. You may not use the Site to post unlawful content, transmit harmful or fraudulent material, or attempt to gain unauthorized access to our systems or any related infrastructure.
4. Contact Forms & No Insurance Agreement Created
Any inquiry submitted through the Site's contact or quote request form provides us with your name, email address, and phone number so that we may respond to your request. Submitting a form on this Site does not create, bind, or constitute an insurance policy, coverage agreement, or contract of any kind. No insurance coverage is in effect until a formal application has been completed, underwriting has been approved, and a policy has been issued by the applicable insurance carrier. All coverage terms, conditions, exclusions, and premiums are governed solely by the written policy documents issued to you.
5. No Legal or Financial Advice
The information provided on this Site is for general informational purposes only. Nothing on this Site constitutes legal, financial, tax, or professional advice. Insurance products vary by carrier, state, and individual circumstances. You should consult with a licensed insurance professional — including Eric Merley directly — before making any decisions based on information found on this Site.
6. Intellectual Property
All content, images, text, logos, and trademarks on this Site are the property of Merley Insurance or are used with permission. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.
7. Links to Third-Party Sites
This Site may contain links to third-party websites (such as insurance carrier sites, government resources, or social media platforms). We do not control those sites and are not responsible for their content, accuracy, or privacy practices. The inclusion of any link does not imply endorsement by Merley Insurance.
8. Termination & Changes
We may modify, suspend, or discontinue the Site or these Terms at any time without prior notice. Your continued use of the Site after any changes are posted constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
9. Disclaimers & Limitation of Liability
The Site is provided "as is" and "as available" without warranties of any kind, express or implied. To the fullest extent permitted by applicable law, Merley Insurance disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Merley Insurance is not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, this Site or its content. Our total liability for any claim relating to the Site is limited to the lesser of $100 or the amount you paid for services directly through this Site (if any).
Nothing in this section limits liability that cannot be excluded under applicable law.
10. Contact Information
Questions or concerns about these Terms? Please contact us:
Merley Insurance Eric Merley, Licensed Insurance Professional 5880 W 600 S, Claypool, Indiana 46510
Phone: 574-498-3877 Email: [email protected] Website: merleyinsurance.com
Last Updated: April 10, 2026
This document was prepared for informational purposes. It does not constitute legal advice. Merley Insurance recommends consulting a licensed attorney to ensure compliance with all applicable laws.