Terms of Service

Welcome to The Agent’s Office®, operated by Azide Resources LLC (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our services — including our website, insurance offerings, customer care, quoting tools, and any communications we provide (collectively, the “Services”). By accessing or using our Services, you agree to these Terms. If you do not agree, please discontinue use of our Services.

1. Acceptance of Terms

By accessing or using our Services, you agree to comply with these Terms and any future updates. We may amend these Terms from time to time; when we do, we will revise the “Last updated” date above. Your continued use of the Services after changes take effect constitutes your acceptance of the revised Terms.

2. Who We Are & Licensing

The Agent’s Office® is a trade name of Azide Resources LLC, an independent insurance agency headquartered at Frisco Station in Frisco, Texas (Texas License No. 3137979). As an independent agency, we represent numerous insurance carriers and are not owned or controlled by any single carrier. We are licensed to transact insurance in Texas and in additional states where we hold active licenses or non-resident appointments.

We act as an insurance agency and broker. Insurance policies are issued and underwritten by third-party carriers, not by Azide Resources LLC. Coverage, eligibility, pricing, and claim decisions are ultimately determined by the issuing carrier under the terms of your policy and applicable law.

3. Services Provided

The Agent’s Office® offers a range of insurance solutions, including but not limited to auto, home, life, cyber, flood, umbrella, and commercial insurance, along with related customer care and account servicing. We place coverage with both admitted (Texas-licensed) insurers and, where the admitted market cannot write the risk, with eligible surplus lines insurers through licensed surplus lines agents and wholesale brokers. See Surplus Lines (Non-Admitted) Coverage.

We also offer Shields® packages, designed to combine multiple lines of coverage (for example: home, auto, umbrella, life, jewelry, cyber, and flood) into a single, coordinated program. Insurance products within any package are underwritten by third-party carriers, and any non-insurance services are provided separately and identified as such. Availability of specific products, carriers, and packages varies by state, eligibility, and underwriting.

4. No Guarantee of Coverage; Not Advice

Quotes, premium estimates, and coverage illustrations we provide are for informational purposes and are not a binding offer of insurance, a promise of a specific rate, or a guarantee that coverage will be issued. Coverage becomes effective only when a carrier approves your application and issues a policy, subject to that policy’s terms, conditions, exclusions, and limits.

Information provided through our Services is general in nature and does not constitute legal, tax, financial, or professional advice. Your actual coverage is governed solely by the policy documents issued by your carrier. If there is any conflict between information on our website and your policy, the policy controls.

5. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use our Services. By using our Services, you represent and warrant that you meet these requirements and that any information you provide is accurate.

6. Your Obligations & Acceptable Use

You agree to:

• Provide accurate, current, and complete information when requesting quotes, applying for coverage, or communicating with us.
• Promptly update your information if it changes, including contact details and any facts material to your coverage.
• Use our Services only for lawful purposes and in compliance with these Terms and applicable law.
• Refrain from attempting to disrupt, damage, reverse-engineer, or gain unauthorized access to our Services, systems, or data, or to use any automated means to scrape or harvest content without our written permission.

7. Electronic Communications & Consent

By using our Services, you consent to receive communications from us electronically — including by email, text message (subject to the SMS terms below), and notices posted through our Services. You agree that electronic communications, agreements, and records satisfy any legal requirement that such communications be in writing, to the fullest extent permitted by law. You may withdraw consent to certain electronic communications where the law allows, though doing so may affect our ability to service your account.

8. Surplus Lines (Non-Admitted) Coverage

Some risks cannot be placed with an admitted Texas insurer. When the admitted market declines a risk or cannot provide the coverage you need, we may place your coverage with an eligible surplus lines insurer through a licensed surplus lines agent or wholesale broker. We will tell you before binding when coverage is being placed on a non-admitted basis.

Surplus lines coverage differs from admitted coverage in ways you should understand:

• The Texas Department of Insurance does not audit the finances or review the solvency of a surplus lines insurer, and does not review or approve its policy forms or rates.
• A surplus lines insurer is not a member of the Texas property and casualty insurance guaranty association created under Chapter 462 of the Texas Insurance Code. If the insurer becomes insolvent, that guaranty fund protection is not available to you.
• Texas surplus lines premium tax and the Surplus Lines Stamping Office of Texas stamping fee are charged in addition to premium and are collected at the time of placement.
• Texas law requires a documented effort to place the risk in the admitted market before a surplus lines placement is permitted.

Your policy and the surplus lines documents issued with it contain the controlling disclosures. Nothing in this section modifies them.

9. Pricing, Fees & Payments

Quoting is always free. We do not charge a consultation fee, an application fee, or a fee to compare your options across our carriers. Our compensation on most business is commission paid by the carrier when you choose to place coverage through us.

Surplus lines commercial placement & administration fee

A surplus lines commercial placement involves work that a commission alone does not always cover: preparing and assembling ACORD applications and supplemental forms, marketing the account to wholesale brokers and specialty markets, clearing subjectivities, coordinating binding, and handling surplus lines filing, invoicing, and premium collection. Where that work applies, we may charge a placement and administration fee. The following terms govern that fee:

• Flat, not a percentage. The fee is a flat dollar amount set by the complexity of the placement. It is not calculated as a percentage of your premium.
• Written and uniform. We maintain a written fee schedule that is applied consistently to all clients in the same circumstances. A copy is available to you on request at any time, before or after you engage us.
• Disclosed and acknowledged in advance. We disclose the exact fee in writing and obtain your signed acknowledgment before we begin marketing your account. You will never see this fee for the first time on an invoice.
• Charged only if coverage is bound. If we are unable to place your coverage, or if you decide not to proceed, no fee is charged.
• Separate from premium and third-party charges. The fee is compensation for our agency services. It is stated separately from premium, from Texas surplus lines premium tax and stamping fees, and from any policy, inspection, or other fee charged by a carrier, managing general agent, or wholesale broker. Those third-party charges are not ours and are passed through as billed.
• Reviewed annually. We review the fee schedule at least once a year against our actual cost to service these placements, and we reduce it when that cost falls.

Other payment terms:

• All prices are listed in U.S. dollars.
• Payment schedules may be monthly or annual, depending on your plan and your carrier’s billing terms.
• Shields® packages are structured to help coordinate and manage the cost of the underlying policies over time.
• Premium finance, if you elect it, is provided by a third-party premium finance company under a separate agreement with its own terms, interest, and fees.

10. Refunds & Cancellations

You may cancel a policy at any time, subject to your carrier’s rules and any lienholder, lender, mortgagee, or certificate-holder requirements. Return of premium is determined by the carrier and the policy, not by us.

• Premium. Unearned premium is returned on a pro rata or short-rate basis as specified in your policy and by applicable Texas law. Minimum earned premium provisions are common on surplus lines policies and may substantially reduce or eliminate a return of premium; where such a provision applies, we identify it before you bind.
• Surplus lines premium tax and stamping fees. Refunds of these state-imposed charges follow Texas law and the applicable filing rules, and are handled by the surplus lines agent of record.
• Agency fee. Where a surplus lines commercial placement and administration fee applies, it is earned when coverage is bound and is not refundable after binding, because the work it compensates has been performed by that point. If coverage is never bound, no fee is charged. If you cancel before binding, no fee is charged.
• Any refund outside of these terms will follow applicable state regulations and carrier-specific guidelines, which control where they differ from the above.

11. SMS / Text Messaging Terms

By opting into SMS communications with The Agent’s Office®, you agree to the following:

• Types of messages: You may receive account updates, renewal reminders, customer care messages, and — if you have opted in — promotional offers.
• Frequency: Message frequency varies based on your account activity and interactions.
• Charges: Message and data rates may apply, depending on your mobile carrier and plan.
• Help: Reply HELP for assistance, or email [email protected].
• Opt-out: You may cancel at any time by replying STOP. After you opt out, you will no longer receive SMS messages from that program unless you opt in again.
• Our commitment: We use SMS strictly for client communication and will never sell or misuse your mobile number.

12. Privacy & Data Protection

Our Privacy Policy explains how we collect, use, and safeguard your personal information, including how we handle information as a financial institution under applicable federal and state law. By using our Services, you acknowledge that your information will be handled as described in that Policy, which is incorporated into these Terms by reference.

13. Intellectual Property

The Services — including the website design, text, graphics, logos, and content — are owned by or licensed to Azide Resources LLC and are protected by intellectual property laws. “The Agent’s Office®” and “Shields®” are trademarks of the Company. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, or create derivative works from our content without our prior written consent, except as permitted by law.

14. Third-Party Links & Content

Our Services may contain links to third-party websites, carriers, or resources that we do not control. We provide these links for convenience and do not endorse and are not responsible for the content, products, privacy practices, or availability of any third-party site or service. Accessing third-party sites is at your own risk and subject to their terms.

15. Disclaimers

Except as expressly stated and to the fullest extent permitted by law, the Services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or free of harmful components, or that any information provided is complete or current. This section does not limit any warranty or protection provided to you under your insurance policy or by applicable law.

16. Limitation of Liability

We strive to provide accurate, timely service. However, to the fullest extent permitted by law, Azide Resources LLC, The Agent’s Office®, and their affiliates, officers, employees, and agents are not liable for:

• Indirect, incidental, special, consequential, or punitive damages;
• Service interruptions, delays, or errors, omissions, or system failures;
• Unauthorized access to or alteration of your data outside our reasonable control; or
• Acts, omissions, coverage decisions, or claim determinations of third-party carriers.

Nothing in these Terms limits liability that cannot be limited or excluded under applicable law.

17. Indemnification

You agree to indemnify and hold harmless Azide Resources LLC, The Agent’s Office®, and their officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of our Services, your violation of these Terms, or your violation of any applicable law or the rights of a third party.

18. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Subject to the Dispute Resolution section below, you agree that any court proceeding permitted under these Terms will take place in the state or federal courts located in or serving Frisco, Texas.

19. Dispute Resolution & Arbitration

Informal resolution first. Before initiating arbitration, please contact us at [email protected] so we can try to resolve the matter informally. Many concerns can be resolved quickly this way.

Binding arbitration. If we cannot resolve a dispute informally, it will be settled by binding arbitration administered under the rules of the American Arbitration Association (AAA), held in Frisco, Texas. Judgment on the arbitration award may be entered in any court of competent jurisdiction. This section does not prevent either party from seeking relief in small-claims court for qualifying disputes, or from pursuing any right or remedy that cannot be waived under applicable law. Disputes concerning the terms of an insurance policy remain subject to that policy and to any rights you have under Texas insurance law.

20. Changes to the Services or Terms

We may modify, suspend, or discontinue any part of the Services at any time, and we may update these Terms as our business, technology, or the law evolves. Material changes will be reflected by an updated “Last updated” date, and, where appropriate, additional notice. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

A change to our fee schedule does not apply retroactively to a placement for which you have already signed a fee disclosure. The fee you acknowledged is the fee you pay for that placement.

21. General Provisions

Severability. If any part of these Terms is found invalid or unenforceable, the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, outages, or governmental actions.

Entire agreement. These Terms, together with our Privacy Policy, form the entire agreement between you and Azide Resources LLC regarding your use of our Services and supersede any prior agreements on that subject. Where a signed fee disclosure or other written agreement covering a specific placement conflicts with these Terms, that signed document controls for that placement.

22. Contact Us

© 2026 Azide Resources LLC, doing business as The Agent’s Office®. All rights reserved. Texas License No. 3137979.