Terms & Conditions

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Effective Date: 01/01/2026

Welcome to https://tenoldagency.com (“Website”), operated by Jacob Tenold Agency (“Agency,” “we,” “our,” or “us”).

By accessing or using this Website, you agree to these Terms & Conditions.

1. Business Information

Jacob Tenold Agency
1530 Greenview Dr SW, Suite 203
Rochester, MN 55902
Phone: 507-529-5371
Email: office@tenoldagency.com

Services offered in Minnesota, Wisconsin, and Iowa.

2. No Guarantee of Coverage

Information provided on this Website is for informational purposes only and does not constitute a binder of insurance coverage.

Coverage is not bound, altered, modified, added, reduced, suspended, or cancelled unless:

  1. A properly completed application or change request is submitted;

  2. The issuing insurance carrier approves the request; and

  3. Written confirmation is issued by the carrier.

No coverage change is effective until confirmed in writing by the issuing insurance carrier.

3. Electronic Communications and Binding Restrictions

Insurance coverage cannot be bound, altered, changed, added, reduced, suspended, or cancelled through text message (SMS), email, voicemail, or other electronic communication.

Requests submitted electronically are not effective unless and until:

  1. Confirmed in writing by our agency; and

  2. Approved and processed by the applicable insurance carrier.

Most policy changes require properly completed and signed documentation submitted directly to the carrier.

Nothing herein prevents a licensed agent with express carrier authority from issuing an oral binder in a live conversation where permitted under Minnesota law; however, no binder or change is effective unless documented and confirmed in accordance with carrier requirements and confirmed in writing.

Do not assume coverage has been modified until written confirmation is received from the issuing insurance carrier.

4. Electronic Communications Consent and Risk Acknowledgment

By using this Website or communicating electronically with Jacob Tenold Agency, you consent to receive communications electronically where permitted by law.

Electronic communications are not guaranteed to be secure, timely, or error-free. Transmission of data over the internet or cellular networks carries inherent risks, including interception, delay, or unauthorized access. We are not responsible for damages arising from such risks beyond those required by applicable law.

5. Quotes and Applications

All quotes are estimates based on information provided and are subject to underwriting approval by the issuing insurance carrier.

You agree that all information submitted is accurate and complete. Misrepresentation may result in rescission, denial of coverage, or denial of claims by the carrier.

6. SMS Communications

By checking the SMS consent checkbox on Website forms, you agree to receive text messages from Jacob Tenold Agency regarding:

  • Appointment reminders

  • Policy updates

  • Billing notifications

  • Claims correspondence

  • Underwriting requirements

  • Marketing communications (with consent)

Message frequency varies and may range from 0–8 messages per month. Frequency may increase during active claims or servicing activity.

Message & data rates may apply.

Reply STOP to opt out.
Reply HELP for assistance or call 507-529-5371.

Mobile carriers are not liable for delayed or undelivered messages.

You represent that you are the authorized user of the mobile number provided or have permission from the authorized user to enroll that number in SMS communications.

Consent to receive SMS messages is not required as a condition of purchasing insurance.

7. Third-Party Lead Sources

We may receive consumer inquiries from reputable third-party lead vendors who represent that they have obtained prior express written consent (PWC). We rely on vendor representations regarding consent. Any misrepresentation of consent by a vendor is the responsibility of that vendor.

We do not use randomly generated numbers, scraped data, or unsolicited bulk messaging lists.

8. Payment Processing

All payments are processed directly with the issuing insurance carrier.

9. No Professional Advice

Information provided on this Website or in general communications does not constitute legal, tax, or financial advice.

Insurance coverage is governed exclusively by the terms, conditions, exclusions, and endorsements of the issued insurance policy. In the event of any discrepancy, the policy controls.

10. Limitation of Liability

To the fullest extent permitted under applicable Minnesota law, Jacob Tenold Agency, its owners, officers, employees, agents, affiliates, representatives, successors, and assigns shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, enhanced, or statutory damages, including but not limited to lost profits, lost revenue, loss of data, loss of goodwill, business interruption, or procurement of substitute services, arising out of or relating to:

  • Access to, use of, or inability to use this Website

  • Reliance on information provided on this Website

  • Errors, omissions, inaccuracies, or outdated content

  • Delays, transmission failures, misdeliveries, or interruptions in electronic communications (including SMS, email, voicemail, or online submissions)

  • Failure of requested coverage changes not confirmed in writing by the issuing insurance carrier

  • Underwriting, pricing, eligibility, coverage, cancellation, non-renewal, reinstatement, or claims decisions made by any insurance carrier

  • Acts, errors, omissions, outages, or failures of third-party vendors, telecommunications providers, lead vendors, technology platforms, or insurance carriers

  • Cyber incidents, malware, unauthorized access, or events beyond our reasonable control

This limitation applies regardless of legal theory (contract, tort, negligence, strict liability, statutory, or otherwise), even if advised of the possibility of such damages.

Nothing herein limits liability for fraud, intentional misconduct, or obligations that cannot be limited under applicable law, nor does it waive statutory duties imposed upon licensed insurance producers.

Some jurisdictions may not allow certain limitations of liability, so portions of this limitation may not apply where prohibited by law.

11. Force Majeure

We are not liable for delay or failure in performance resulting from causes beyond our reasonable control, including but not limited to natural disasters, cyber incidents, telecommunications failures, governmental actions, labor disputes, third-party service interruptions, or insurance carrier system outages.

12. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Jacob Tenold Agency, its owners, officers, employees, agents, affiliates, representatives, successors, and assigns from and against any and all claims, demands, investigations, regulatory actions, causes of action, liabilities, damages, losses, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

  • False, incomplete, inaccurate, misleading, or fraudulent information submitted by you

  • Violation of these Terms & Conditions

  • Misuse of the Website or communication systems

  • Violation of applicable law

  • Disputes arising from coverage requests not confirmed by the issuing carrier

  • Claims alleging unauthorized communications where consent was provided directly or via third-party lead vendor

  • Unauthorized use of your account, device, phone number, or email

  • Acts, omissions, negligence, or misconduct by you

This obligation survives termination of Website use and applies whether claims are brought by you, carriers, vendors, regulators, telecommunications providers, or third parties.

Nothing herein requires indemnification for fraud or intentional misconduct by Jacob Tenold Agency.

13. Governing Law and Venue

These Terms & Conditions shall be governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

Any dispute arising from these Terms shall be brought exclusively in Minnesota state or federal courts, and you consent to personal jurisdiction and venue therein.

Nothing herein modifies governing law provisions contained within any issued insurance policy.

14. Mandatory Pre-Suit Mediation

Before initiating litigation, the parties agree to participate in good-faith mediation conducted in Minnesota. Mediation is a condition precedent to filing suit.

15. Contractual Limitations Period

Any claim arising out of or relating to your use of this Website or these Terms must be commenced within one (1) year after the cause of action accrues, unless a longer period is required by applicable law.

16. Severability

If any provision is held unenforceable, the remaining provisions remain in full force and effect.

17. Changes to Terms

We reserve the right to modify these Terms at any time. Updates will be posted with a revised effective date.