Last Updated: December 26, 2025
These Terms and Conditions constitute a binding agreement between you and Kalita Agency governing access to and use of our website, services, and any information provided through direct interactions with our team. By engaging with our platform or submitting information requests, you acknowledge acceptance of these terms.
If you do not agree with any provision outlined herein, discontinue use of our services immediately. Continued use following updates to these terms constitutes acceptance of revised provisions.
Kalita Agency operates as an insurance service facilitator connecting users with coverage options across multiple categories including auto, home, Medicare, health, life, and business insurance. We do not function as an insurance carrier but rather coordinate between clients and licensed providers.
Our role includes generating comparative quotes, explaining policy structures, facilitating enrollment processes, and providing ongoing account support. Final coverage terms are determined by the issuing carrier and governed by the executed policy contract.
Users accessing our services agree to provide accurate, complete, and current information when submitting inquiries or applications. Inaccurate data may result in incorrect quotes, policy denials, or coverage disputes.
Quotes provided through our platform represent estimates based on information supplied at the time of inquiry. Final premium amounts, coverage limits, and policy terms are subject to carrier underwriting approval and may differ from initial quotes.
We make reasonable efforts to ensure quote accuracy but do not guarantee specific pricing or coverage availability. Binding coverage is established only upon carrier acceptance and policy issuance, not through quote generation or application submission.
Information provided by Kalita Agency is educational in nature and intended to facilitate informed decision-making. We do not provide legal, financial, or tax advice. Policy recommendations are based on stated needs and preferences, not comprehensive financial planning analysis.
Users should consult qualified professionals regarding specific legal or financial implications of insurance decisions. We are not liable for outcomes resulting from reliance on general guidance provided through our services.
Kalita Agency's liability is limited to the extent permitted by law. We are not responsible for actions or omissions of insurance carriers, errors in third-party data, technical failures, or indirect damages arising from service use.
Our maximum liability for any claim related to our services shall not exceed the total fees paid to us in connection with the specific transaction giving rise to the claim. This limitation applies regardless of legal theory including negligence, breach of contract, or strict liability.
All website content including text, graphics, logos, software, and design elements are owned by or licensed to Kalita Agency and protected by copyright, trademark, and other intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.
Users may view and print content for personal, non-commercial use only. Any other use requires prior written permission. Third-party trademarks displayed on our site remain the property of their respective owners.
Personal information collected through our services is handled according to our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to data collection, processing, and disclosure practices outlined in that policy.
We implement security measures to protect personal information but cannot guarantee absolute security. Users acknowledge the inherent risks of electronic data transmission and storage.
Our platform may integrate with or link to third-party services including payment processors, insurance carriers, and analytics providers. We are not responsible for the practices, policies, or performance of these external entities.
Use of third-party services is subject to their respective terms and conditions. We do not endorse or guarantee the accuracy, reliability, or quality of third-party offerings.
Disputes arising from these Terms or our services shall be resolved through binding arbitration conducted under the rules of the American Arbitration Association. Arbitration proceedings will occur in Georgia unless otherwise agreed.
Users waive the right to participate in class action lawsuits or class-wide arbitration related to our services. Each party bears their own arbitration costs unless otherwise determined by the arbitrator.
We reserve the right to suspend or terminate access to our services at any time for violations of these Terms, suspected fraudulent activity, or other legitimate business reasons. Termination does not relieve users of obligations incurred prior to termination.
Users may discontinue use of our services at any time. Active insurance policies remain in effect according to their terms regardless of termination of our facilitator relationship.
Kalita Agency may revise these Terms periodically to reflect changes in legal requirements, business practices, or service offerings. Material modifications will be communicated through website notices or direct outreach to active users.
Continued use of our services following term updates constitutes acceptance of revised provisions. Users who disagree with modifications should discontinue service use.
These Terms are governed by the laws of the State of Georgia without regard to conflict of law principles. Any legal proceedings not subject to arbitration shall be brought exclusively in courts located in Georgia.
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions shall be modified to the minimum extent necessary to make them enforceable while preserving original intent.
Questions or concerns regarding these Terms and Conditions should be directed to:
Kalita Agency
3465 N Desert Dr Suite 100
East Point GA 30344
Email: [email protected]
Phone: +1 (478) 200-9294