Terms & Conditions
Including SMS Terms
Effective Date: December 1, 2025
These Terms & Conditions govern your use of the Shine Insurance website, services, and SMS communications. By accessing our website or using our services, you agree to be bound by these Terms & Conditions.
1. Acceptance of Terms
By accessing this website or using any services provided by Shine Insurance, LLC, you acknowledge that you have read, understood, and agree to these Terms & Conditions.
2. Use of Website
You agree to use this website only for lawful purposes. You may not:
Misrepresent your identity
Submit false, inaccurate, or misleading information
Attempt to disrupt, damage, or compromise the security or functionality of this website.
3. No Guarantee of Coverage
Submitting information through our website, requesting a quote, or communicating with Shine Insurance does not guarantee insurance coverage. Coverage becomes effective only after:
Your application has been reviewed and approved
A licensed insurance agent has confirmed coverage
An insurance carrier has issued the policy.
4. Quotes & Information Accuracy
Insurance quotes provided through our website or by our representatives are estimates based on the information you provide. Final premiums, eligibility, coverage options, and policy terms are determined solely by the insurance carrier after review.
5. Intellectual Property
All content on this website, including text, graphics, logos, images, and other materials, is the property of Shine Insurance, LLC unless otherwise noted. No content may be copied, reproduced, distributed, or used without prior written permission.
6. Limitation of Liability
To the fullest extent permitted by law, Shine Insurance, LLC shall not be liable for:
Errors or omissions in website content
Temporary interruptions or unavailability of the website
Decisions made based on information obtained from this website
Your use of this website is at your own risk.
7. Third-Party Services
Our website may utilize third-party tools, software, and external websites. Your use of these services may be subject to their respective privacy policies and terms of service. Shine Insurance is not responsible for the practices or content of third-party providers.
8. SMS Terms & Conditions (CTIA-Compliant Section)
By opting into SMS communications, you consent to receive text messages from Shine Insurance, LLC.
Types of Messages
Appointment reminders
Quote follow-ups
Policy alerts and reminders
• Customer service communications
Marketing or promotional messages (only with your separate consent)
Frequency
Message frequency varies depending on your interaction with Shine Insurance.
Fees
Standard message and data rates may apply according to your wireless carrier.
Opt-Out Instructions
You may unsubscribe from SMS communications at any time by replying:
STOP – Unsubscribe from future messages
Help
Reply HELP for assistance or contact us at: admin@shineinsuranceco.com
Consent
Consent to receive SMS messages is not required as a condition of purchasing insurance.
Message delivery is not guaranteed and may be subject to your wireless carrier's availability and limitations.
9. Indemnification
You agree to indemnify, defend, and hold harmless Shine Insurance, LLC, its employees, agents, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your use of this website or violation of these Terms & Conditions.
10. Governing Law
These Terms & Conditions are governed by and interpreted in accordance with the laws of the State of Ohio, without regard to its conflict of law principles.
11. Changes to Terms
Shine Insurance, LLC may update these Terms & Conditions at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.
12. Contact Information
If you have questions regarding these Terms & Conditions, please contact us.
Shine Insurance, LLC
8534 Cotter Street Lewis Center, Ohio 43035
Email: admin@shineinsuranceco.com
Phone: (740) 201-9056