Terms of Service
Effective Date: December 1, 2025
Welcome to Withers Crest Insurance. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully before using our services.
Acceptance of Terms
By accessing our website at witherscrest.com or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
Description of Services
Withers Crest Insurance provides insurance brokerage and advisory services, including but not limited to health insurance, life insurance, disability insurance, Medicare, long-term care insurance, and high-risk insurance solutions. We act as an intermediary between you and insurance carriers to help you find coverage that meets your needs.
No Insurance Contract
Information provided on this website is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any insurance product. No insurance contract or policy is created through the use of this website. All insurance coverage is subject to the terms, conditions, and exclusions of the actual policy issued by the insurance carrier.
Accuracy of Information
You agree to provide accurate, current, and complete information when requesting quotes, applying for coverage, or communicating with us. Providing false or misleading information may result in denial of coverage, cancellation of policies, or other consequences.
User Responsibilities
When using our website and services, you agree to:
- Use the website only for lawful purposes
- Not attempt to gain unauthorized access to our systems
- Not interfere with the proper functioning of the website
- Not upload or transmit viruses or malicious code
- Not use the website to harass, abuse, or harm others
- Comply with all applicable laws and regulations
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Withers Crest Insurance or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.
Disclaimer of Warranties
This website and its content are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, reliability, or completeness of any information on this website.
Limitation of Liability
To the fullest extent permitted by law, Withers Crest Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or our services. Our total liability for any claim shall not exceed the amount you paid to us for the services giving rise to the claim.
Indemnification
You agree to indemnify, defend, and hold harmless Withers Crest Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the website, your violation of these Terms of Service, or your violation of any rights of another party.
Third-Party Links
Our website may contain links to third-party websites for your convenience. We do not endorse or control these external sites and are not responsible for their content or privacy practices. Your use of third-party websites is at your own risk.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in Horry County, South Carolina.
Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the new terms.
Severability
If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Information
If you have any questions about these Terms of Service, please contact us:
Withers Crest Insurance
4214 Mayfair Street, Suite E
Myrtle Beach, SC 29577
Phone: 843.712.2208