Terms of Service

Last Updated: January 21, 2026

Applicable Terms

These Terms of Service apply to NoogaInsurance.com and all related websites operated by Nooga Insurance, an independent insurance agency owned by Steven Shelton. Throughout this document, the terms "we," "us," "our," "Nooga Insurance," or "the Agency" refer to Nooga Insurance and its authorized representatives. By using this website, you agree to these terms along with our Privacy Policy, which together constitute the complete agreement between you and Nooga Insurance.

Our Services

Nooga Insurance is an independent insurance agency serving Chattanooga and Hamilton County, Tennessee. We represent multiple insurance carriers and work to connect clients with appropriate insurance coverage for their needs, including home insurance, auto insurance, life insurance, and commercial insurance products.

How We Work

As an independent agency, we maintain relationships with various insurance carriers. When you request quotes through our website, we use the information you provide to identify potential coverage options from our partner carriers. Our services are provided at no direct cost to you; we receive commissions from insurance companies when policies are purchased.

Service Availability

Our insurance services are available to qualified residents within our service area. Acceptance of coverage is subject to underwriting guidelines and approval by the insurance carriers. Not all insurance products are available in all locations, and coverage availability may vary by carrier and individual circumstances.

Important Limitations

You must be of legal age to enter into a binding insurance contract to use our services. Our website and services may not be accessed by anyone legally prohibited from obtaining insurance coverage. While we strive to serve the greater Chattanooga area and surrounding communities, certain insurance products may have geographical restrictions.

Understanding Insurance Quotes

Quote Accuracy

Insurance quotes provided through our website are estimates based on the information you provide. These are preliminary quotes only and are subject to verification and approval by the insurance carriers. Final pricing and coverage terms are determined by the insurance company after they complete their underwriting process, which may include:

  • Review of your complete application
  • Verification of the information you provided
  • Motor vehicle record checks
  • Credit history review (where permitted by law)
  • Claims history verification
  • Property inspections (for home insurance)

Additional information requests

The accuracy of your quoted rates depends entirely on the completeness and accuracy of the information you provide. Inaccurate, incomplete, or misleading information may result in different final pricing or potential denial of coverage.

No Guarantee of Availability

We do not guarantee that the quotes provided represent the lowest rates available in the market or that coverage will be available at the quoted rates. Insurance companies reserve the right to modify pricing and coverage terms based on their underwriting review.

Your Responsibilities

Providing Accurate Information

You are solely responsible for ensuring that all information you provide is complete, accurate, and truthful. Providing false or misleading information may result in:

  • Denial of coverage
  • Policy cancellation
  • Claim denial
  • Potential legal consequences

Understanding Your Coverage

We provide information and assistance in obtaining insurance coverage, but you are responsible for reviewing all policy documents, understanding the terms and conditions of any insurance policy you purchase, and ensuring the coverage meets your specific needs. We encourage you to ask questions and seek clarification on any aspect of your coverage that you don't understand.

Our Role as an Independent Agency

We Are Not an Insurance Company. Nooga Insurance is an independent insurance agency, not an insurance company. We do not underwrite, issue, or provide insurance coverage. All insurance policies are issued by licensed insurance carriers, and all coverage terms, conditions, and claims are governed by the insurance company's policy documents and procedures.

No Fiduciary Relationship

Our relationship with you is that of an insurance agent and client. We do not act as your fiduciary, legal advisor, or financial advisor. While we work to help you find appropriate coverage options, the final decision regarding which policy to purchase, if any, is entirely yours.

Recommendations and Advice

Any information, recommendations, or guidance we provide is based on our professional experience and knowledge of insurance products. However, we do not guarantee specific outcomes, and you should not rely solely on our recommendations without conducting your own review of policy documents and considering your personal circumstances.

Website Usage and Restrictions

Permitted Use

This website is provided for the purpose of learning about our agency and our insurance services, requesting insurance quotes, and communicating with our agency. You may view and use the website content for personal, non-commercial purposes only.

Prohibited Activities

You agree not to:

Use our website for any unlawful purpose

  • Provide false, inaccurate, or misleading information
  • Attempt to gain unauthorized access to any part of our website or systems
  • Use automated systems (robots, scrapers, etc.) to access our website without permission
  • Copy, reproduce, distribute, or create derivative works from our website content without authorization
  • Interfere with or disrupt our website or servers
  • Transmit viruses, malware, or other harmful code
  • Impersonate any person or entity
  • Harvest or collect information about other users
  • Use our website to send spam or unsolicited communications


Communications and Consent

Contact Authorization

By providing your contact information (phone number, email address, mailing address) and requesting a quote or information through our website, you authorize Nooga Insurance and our partner insurance carriers to contact you regarding insurance products and services through:

  • Phone calls (including calls using automated dialing systems)
  • Text messages (SMS)
  • Email messages
  • Mail correspondence
  • Other electronic communications


This authorization applies even if your phone number is registered on the National Do Not Call Registry or any state Do Not Call list.


Text Messaging Terms

If you opt in to receive text messages from us:

  • Message and data rates may apply based on your mobile carrier's plan
  • Message frequency varies based on your interactions with us
  • You can opt out at any time by texting "STOP" to the number from which you received messages
  • For help, text "HELP" or contact us directly
  • Carriers are not liable for delayed or undelivered messages


Withdrawing Consent

You may withdraw your consent to receive communications at any time by:

  • Following the unsubscribe instructions in emails
  • Texting "STOP" in response to text messages
  • Calling our office to request removal from contact lists
  • Sending a written request to our office


Withdrawing consent for marketing communications will not affect any insurance coverage you have with us or our partner carriers.

Intellectual Property

All content on this website, including text, graphics, logos, images, videos, and software, is the property of Nooga Insurance or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, copy, reproduce, or distribute any content from this website without our express written permission.

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our website, you acknowledge that you have read and understood our Privacy Policy and consent to our data practices as described therein.


Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the content, privacy practices, or terms of service of any third-party websites. Your use of third-party websites is at your own risk and subject to their terms and policies.


Disclaimers and Warranties

Service "As Is"

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • The accuracy, completeness, or timeliness of information on our website
  • The uninterrupted or error-free operation of our website
  • The correction of defects or errors
  • Freedom from viruses or harmful components
  • The results that may be obtained from using our website or services
  • The accuracy or reliability of any information obtained through our website


No Guarantee of Results

We do not guarantee that you will receive insurance coverage, specific pricing, or any particular outcome from using our services. All insurance applications are subject to carrier approval and underwriting.


Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:


Exclusion of Damages

NOOGA INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits or revenue
  • Loss of data or information
  • Loss of business opportunity
  • Cost of substitute goods or services
  • Personal injury or property damage
  • Denial of coverage or claims by insurance carriers


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


Maximum Liability

Our total liability for any claims arising from or related to your use of our website or services shall not exceed the total amount of commissions we received from insurance policies you purchased through our agency in the twelve months preceding the claim, or $500, whichever is less.


Exceptions

Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. You may have additional rights under your state's laws.


Indemnification

You agree to defend, indemnify, and hold harmless Nooga Insurance, its owner, employees, agents, and representatives from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney fees) arising from or related to:

  • Your use of our website or services
  • Your violation of these Terms of Service
  • Your violation of any rights of another person or entity
  • Any information you provide through our website
  • Your breach of any representation or warranty in these terms


Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our website after changes are posted constitutes your acceptance of the modified terms. We encourage you to review these terms periodically.

Material changes to these terms will be indicated by updating the "Last Updated" date at the top of this page.


Governing Law and Dispute Resolution

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions.


Jurisdiction and Venue

Any legal action or proceeding arising from or related to these terms or your use of our website shall be brought exclusively in the state or federal courts located in Hamilton County, Tennessee. You consent to the personal jurisdiction of these courts and waive any objection to venue in these courts.


Informal Resolution

Before filing any legal claim, you agree to first contact us to attempt to resolve the dispute informally. We will make good faith efforts to resolve disputes through negotiation.


General Provisions

Entire Agreement

These Terms of Service, together with our Privacy Policy and any additional terms provided for specific services, constitute the entire agreement between you and Nooga Insurance regarding your use of our website and services.


Severability

If any provision of these terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.


Waiver

Our failure to enforce any right or provision of these terms shall not be deemed a waiver of such right or provision.


Assignment

You may not assign or transfer your rights or obligations under these terms without our prior written consent. We may assign our rights and obligations without restriction.


Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, or governmental actions.


Contact Information

If you have questions about these Terms of Service, please contact us:

Omega One Insurance Group
Nooga Insurance
2625 Ralph Buckner Blvd
Cleveland, TN 37311
Email: Contact through website
Phone: [Your phone number]
Website: NoogaInsurance.com


Acknowledgment: By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.