Terms of Service

Last updated: January 6, 2026

These Terms of Service (“Terms”) govern your use of the website operated by Sophos Insurance Agency, a DBA of The Sophos Co., LLC (“we,” “us,” or “our”).

By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the site.

1. Purpose of This Website

This website is provided for informational purposes only.
It is intended to help visitors understand insurance planning concepts and learn about services offered by Sophos Insurance Agency.

Nothing on this website constitutes:

• Legal advice
   
• Tax advice
   
• Financial advice
   
• A guarantee of coverage, pricing, or eligibility
   

2. Eligibility

This website is intended for use by individuals who are at least 18 years of age.
By using this site, you confirm that you meet this requirement.

3. No Obligation or Guarantee

Any information provided through this website or during a consultation is offered without obligation.

Insurance products, availability, and terms:

• Vary by state
• Are subject to underwriting
• Are governed by the issuing insurance carrier
   

No coverage is bound unless confirmed in writing by the appropriate carrier.

4. User Submissions

If you submit information through this website (such as contact forms or inquiries):

• You represent that the information is accurate to the best of your knowledge
   
• You authorize us to contact you using the information provided
   

We reserve the right to decline or discontinue communications at our discretion.

5. Intellectual Property

All content on this website, including text, logos, graphics, and layout, is the property of Sophos Insurance Agency or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, or use any content without prior written permission.

6. Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes.

We are not responsible for:

• The content of third-party sites
   
• Their privacy practices
   
• Their terms or policies
   

Accessing third-party websites is done at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, Sophos Insurance Agency and The Sophos Co., LLC shall not be liable for any damages arising from:

• Use of or reliance on this website
   
• Errors or omissions in content
   
• Delays or interruptions in website availability
   

Use of this website is at your own risk.

8. Indemnification

You agree to indemnify and hold harmless Sophos Insurance Agency and The Sophos Co., LLC from any claims, losses, or liabilities arising from your use of this website or violation of these Terms.

9. Modifications of These Terms

We may update these Terms of Service from time to time.
Changes will be posted on this page with an updated effective date.

Continued use of the website constitutes acceptance of any revised Terms.

10. Governing Law

These Terms are governed by the laws of the State of Iowa, without regard to conflict of law principles.

11. Contact Information

If you have questions about these Terms of Service, you may contact us at:

Sophos Insurance Agency
A DBA of The Sophos Co., LLC
Email: Braeden@thesophosco.com
Serving: Iowa