Terms & Conditions

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The Renfrew Group Insurance Brokerage
Last Updated: 12/02/2025

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These Terms &/ Conditions (“Terms”) govern your use of The Renfrew Group Insurance Brok/erage’s website, services, and communications. By accessing our website or requesting services, you agree to these Terms. If you do not agree, please discontinue use.

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1. Services Provided

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The Renfrew Group Insurance Brokerage (“we,” “us,” “our”) is an independent insurance brokerage offering:

• Insurance quotes

• Policy placement with licensed carriers

• Insurance advice and customer support

We work with multiple insurance carriers; however, we do not guarantee that coverage from every carrier will be available to every customer.

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2. No Guarantee of Coverage

Submitting information or requesting a quote does not bind coverage. Insurance policies are issued only after:

• Application review

• Underwriting approval

• Payment of required premiums

We are not liable for losses arising from delays or denials by insurance carriers.

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3. Accuracy of Information

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You agree to provide truthful, complete, and accurate information when requesting quotes or services. Providing false or incomplete information may result in:

• Quote inaccuracies

• Declined coverage

• Policy cancellations

You are responsible for reviewing all applications and policy documents to ensure accuracy.

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4. Website Use & Content

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All content on our website—including text, graphics, and materials—is owned by The Renfrew Group or licensed to us. You may not:

• Copy, distribute, or reproduce content without permission

• Misuse the website or interfere with its functionality

• Use the site for fraudulent or unlawful purposes

Information provided on the site is offered for general informational purposes and is not a guarantee of coverage, pricing, or carrier availability.

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5. Third-Party Links

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Our site may include links to third-party websites or insurance carriers. We are not responsible for:

• Their content

• Their policies or practices

• Any transactions conducted with them

You access third-party sites at your own risk.

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6. Privacy & Data Usage

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Your use of our services is also governed by our Privacy Policy. By using our website or submitting information for a quote, you consent to the collection and use of data as described in that policy.

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7. Communications Consent

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By submitting your contact information, you agree that we may contact you via:

• Phone

• Email

• SMS/text

• Automated messages (where legally permitted)

You may opt out at any time.

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8. Disclaimer of Warranties

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All services and information are provided “as is” and “as available.”
We do not guarantee:

• The accuracy of quotes

• Uninterrupted website access

• That the site is error-free

Insurance rates and eligibility are determined solely by the carriers.

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9. Limitation of Liability

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To the fullest extent permitted by law, The Renfrew Group is not liable for:

• Indirect, incidental, or consequential damages

• Loss of profits, business, or data

• Delays in coverage or carrier decisions

• Errors resulting from third-party systems or technology

Your sole remedy is to discontinue use of our website and services.

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10. Indemnification

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You agree to indemnify and hold harmless The Renfrew Group, its employees, agents, and partners from any claims, losses, or damages arising from:

• Your use of the website

• Misuse of services

• Submission of inaccurate or unlawful information

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11. Intellectual Property

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All trademarks, logos, and service marks displayed on the website are the property of The Renfrew Group or their respective owners. Unauthorized use is prohibited.

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12. Governing Law

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These Terms are governed by the laws of the state in which The Renfrew Group operates, without regard to conflict-of-law principles. Any disputes shall be resolved in state or federal courts located in that jurisdiction.

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13. Changes to Terms

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We may update these Terms at any time. Changes become effective when posted on our website. Continued use of our site or services indicates acceptance of the updated Terms.

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14. Contact Information

For questions about these Terms & Conditions, please contact:

The Renfrew Group Insurance Brokerage
26261 Evergreen Road, Suite 260 Southfield, MI 48076
info@therenfrewgroup.com
(248) 593-2841 Office