Terms of Service

Last updated: August 26, 2025

Please read these Terms and Conditions (“Terms”) carefully before using our Service.

1. Interpretation and Definitions

Interpretation
Capitalized terms (whether singular or plural) are defined below.

Definitions

  • Affiliate: An entity that controls, is controlled by or under common control with a Party (50% or more voting rights).

  • Country: Utah, United States.

  • Company / We / Us / Our: Quality 1st Insurance, located at 2129 N Main St Suite A, North Logan, UT 84341.

  • Device: Any digital device (e.g., computer, mobile phone, tablet) used to access the Service.

  • Service: The digital offerings provided via the Quality 1st Insurance website.

  • Terms: These Terms and Conditions.

  • Third-Party Social Media Service: Any third-party services or content included or linked by the Service.

  • Website: The Quality 1st Insurance site, accessible at https://www.q1ins.com/.

  • You: The individual or entity using the Service.

2. Acknowledgment

These Terms govern your use of the Service. By accessing or using it, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part, please discontinue use immediately.

3. Eligibility

You affirm you are at least 18 years old. Minors are not permitted to use the Service.

4. Privacy Policy

Use of this Service also requires acceptance of our Privacy Policy, describing how we collect, use and protect your personal data.

5. Links to Other Sites

The Service may contain links to third-party websites or services. We do not control or assume responsibility for their content, privacy policies or practices. Please review their terms before using.

6. Termination

We may, at our sole discretion, suspend or terminate your access to the Service immediately and without prior notice for any breach of these Terms. Upon termination, you must cease use immediately.

7. Limitation of Liability

To the fullest extent permitted by law, our liability (and that of our affiliates and suppliers) is limited to the lesser of:

  • The amount you actually paid through the Service; or

  • US $100, if no payment was made.

We are not liable for any indirect, incidental, special or consequential damages—even if advised of their possibility. These limitations may not apply in jurisdictions that prohibit them.

8. “AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind. We expressly disclaim all implied warranties (e.g., merchantability, fitness for a particular purpose). We make no representations that the Service will be uninterrupted, error-free, secure or meet your specific expectations.

9. Governing Law

These Terms are governed by the laws of the State of Utah, excluding conflict-of-law rules.

10. Dispute Resolution

We encourage resolving concerns informally—please contact us directly before pursuing formal dispute mechanisms.

11. For EU Consumers

If you’re an EU consumer, you benefit from non-waivable legal protections under your local laws.

12. U.S. Legal Compliance

You represent that you are not located in or affiliated with regions or individuals restricted by U.S. law (e.g., sanctioned or embargoed entities or individuals).

13. Severability and Waiver

If any provision is held invalid or unenforceable, the remainder of the Terms remain effective. Failure to enforce any right does not waive future enforcement.

14. Translation Interpretation

Translations of these Terms may be provided for convenience; the English version prevails in case of conflict.

15. Changes to These Terms

We may modify these Terms at our discretion. Material changes will be announced at least 30 days in advance. Continued use after changes indicates acceptance.

16. Contact Us

If you have questions about these Terms, contact us:

  • Email: amber@q1ins.com (or office@q1ins.com)
  • Phone: (435) 752-0101
  • Address: 2129 N Main St, Suite A, North Logan, UT 84341
  • Visit our Contact Us page: https://www.q1ins.com/contact-us/

Summary of Tailoring

  • Local identity: Highlighted that Quality 1st Insurance is a community-rooted, Cache Valley-based insurance agency offering personal and commercial solutions, and now affiliated with Alera Group
  • Multi-line services: Includes personal (auto, home, life, health) and business (liability, workers comp, employee benefits) insurance offerings
  • Contact clarity: Fully accurate email, phone and physical address info based on the site
  • Tone & completeness: Maintained a professional and clean structure suitable for an insurance provider.