Terms of Service

Last Updated: March 5, 2026

Welcome to the Thomas Risk Solutions website ("Site"). By accessing or using this Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use this Site.

1. About Thomas Risk Solutions

Thomas Risk Solutions is an independent insurance agency operated by Richard Thomas, licensed in multiple states. Thomas Risk Solutions operates as an independent agency affiliated with The Jordan Insurance Agency. This Site provides general information about insurance products and services and is not intended to constitute professional advice or an offer to sell insurance.

2. Use of This Site

You agree to use this Site only for lawful purposes and in a manner that does not infringe on the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. You may not use this Site to transmit any unsolicited or unauthorized advertising, promotional materials, or spam.

3. No Insurance Advice

The content on this Site is provided for general informational purposes only and does not constitute insurance, financial, legal, or professional advice. Insurance products, coverage, and availability vary by state, carrier, and individual circumstances. You should consult directly with a licensed insurance professional before making any insurance-related decisions. Contact Richard Thomas at (980) 288-8587 or [email protected] for personalized guidance.

4. Communications and Consent

By submitting your information through any form on this Site, you expressly consent to receive communications from Thomas Risk Solutions, including but not limited to phone calls, text messages (SMS/MMS), and emails regarding insurance products, services, and related information. Message and data rates may apply. You may opt out of text messages at any time by replying STOP to any message received. You may opt out of emails by clicking the unsubscribe link in any email. Consent to receive communications is not a condition of purchasing any product or service.

5. Text Messaging (SMS/MMS) Terms

By providing your phone number and consenting to receive text messages, you agree to the following:

• You may receive recurring text messages from Thomas Risk Solutions related to insurance quotes, policy information, appointment reminders, and general communications.
• Message frequency varies based on your interactions and inquiries.
• Message and data rates may apply depending on your mobile carrier and plan.
• To opt out, reply STOP at any time. You will receive a confirmation message and no further texts will be sent.
• For help, reply HELP or contact us at (980) 288-8587 or [email protected].
• Carriers are not liable for delayed or undelivered messages.
• Your consent to receive text messages is not required as a condition of purchasing any goods or services.

6. Third-Party Links

This Site may contain links to third-party websites, including insurance carrier sites, scheduling platforms, and community resources. These links are provided for convenience only. Thomas Risk Solutions does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access third-party sites at your own risk.

7. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Thomas Risk Solutions or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written consent.

8. Disclaimer of Warranties

This Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. Thomas Risk Solutions does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. To the fullest extent permitted by law, Thomas Risk Solutions disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Thomas Risk Solutions, its owner, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site, whether based on warranty, contract, tort, or any other legal theory.

10. Indemnification

You agree to indemnify and hold harmless Thomas Risk Solutions, its owner, affiliates, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of this Site or violation of these Terms.

11. Changes to These Terms

Thomas Risk Solutions reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Governing Law

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

13. Contact Information

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