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Terms & Conditions

 

​​Effective Date: 02/26/2026


Website: ShopWithChristian.com
Operated by: Verticle Solutions, LLC, a Missouri limited liability company (“Company,” “we,” “us,” or “our”).

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1. Acceptance of Terms

By accessing or using ShopWithChristian.com (“Website”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, you must discontinue use immediately.

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2. Business Structure & Licensing

ShopWithChristian.com is operated exclusively by Verticle Solutions, LLC, a Missouri limited liability company.

The Company provides insurance consultation, shopping, and referral services. We are not an insurance carrier and do not underwrite policies.

All insurance products are subject to:

  • Carrier underwriting approval

  • Policy terms and exclusions

  • Applicable state laws and regulations

Licensing information is available upon request.

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3. Nature of Services

We provide:

  • Insurance consultation

  • Coverage comparison across distribution channels

  • Risk discussion and educational content

  • Referral services to licensed carriers or agencies

We do not guarantee:

  • Placement of coverage

  • Specific pricing

  • Underwriting approval

  • Claims outcomes

All final coverage determinations are made solely by the issuing carrier.

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4. No Coverage Is Bound Through Website

No insurance coverage may be bound, modified, canceled, or confirmed through:

  • Website submissions

  • Contact forms

  • Email

  • Voicemail

  • Social media messaging

Coverage is only effective upon written confirmation from a licensed insurance professional and/or the issuing carrier.

If you require immediate coverage or policy changes, you must obtain written confirmation.

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5. User Representations & Responsibilities

By using this Website, you represent that:

  • All information provided is accurate and complete

  • You will review all policy documents carefully

  • You understand that inaccurate information may impact underwriting or claims

You agree not to:

  • Attempt unauthorized access

  • Interfere with website security

  • Upload malicious software

  • Use the Website for unlawful purposes

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6. Compensation & Referral Disclosure

The Company may receive:

  • Commissions from insurance carriers

  • Referral fees from licensed partners

  • Other compensation related to placement of coverage

Compensation does not increase your premium unless specifically disclosed.

Company will disclose commission amounts where required by law.

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7. No Fiduciary Relationship

Use of this Website or consultation services does not create:

  • A fiduciary relationship

  • A legal partnership

  • A joint venture

We provide professional insurance services but do not act as legal counsel, tax advisor, or financial advisor.

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8. Third-Party Services (Wix & Google)

This Website is hosted through Wix and may use Google services, including Google Analytics.

By using this Website, you acknowledge that:

  • Data may be processed through Wix infrastructure

  • Website activity may be tracked using Google Analytics

  • Third-party service providers maintain their own privacy policies

We are not responsible for third-party data practices beyond our control.

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9. Intellectual Property

All content, branding, graphics, and materials on this Website are the exclusive property of the Company unless otherwise noted.

No content may be reproduced, copied, or distributed without written consent.

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10. Limitation of Liability

To the fullest extent permitted by law:

The Company shall not be liable for:

  • Indirect or consequential damages

  • Lost profits or business interruption

  • Carrier underwriting decisions

  • Claim denials

  • Errors resulting from incomplete or inaccurate user information

  • Temporary website interruptions

Total liability shall not exceed the greater of:

  • $1,000
    OR

  • The amount of direct compensation paid by you to the Company for the specific service in dispute

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11. Indemnification

You agree to indemnify and hold harmless the Company from any claims, damages, or liabilities arising from:

  • False, misunderstood, misrepresented or misleading information provided by you

  • Misuse of the Website

  • Violation of these Terms

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12. Electronic Communications

By submitting your contact information, you consent to receive communications via:

  • Email

  • Phone

  • SMS

You may opt out of marketing emails using by emailing Christian@ShopWithChristian.com.

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13. Governing Law & Venue

These Terms are governed by the laws of the State of Missouri.

Any legal action must be brought exclusively in the state or federal courts located in Missouri.

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14. Dispute Resolution

Prior to initiating litigation, both parties agree to attempt good-faith resolution through written notice and discussion.

If unresolved, disputes may proceed to mediation in Missouri before formal court action.

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15. Modifications

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

Continued use of the Website constitutes acceptance of updated Terms.

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16. Contact Information

Verticle Solutions, LLC
ShopWithChristian.com
Imperial, MO   63052
Christian@ShopWithChristian.com
314-324-6416

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