Terms of Service

1. Agreement to Terms

By engaging Horner Insurance & Financial Services LLC ("we," "us," or "our") for the provision of digital marketing services ("Services"), you, the client ("Client," "you"), agree to be bound by these Terms of Service. These terms, together with a formal Service Agreement or Scope of Work, constitute the entire agreement between the parties.

2. Provision of Services

Horner Insurance & Financial Services LLC agrees to provide the digital marketing services as detailed in the mutually agreed-upon Service Agreement. This may include, but is not limited to, Search Engine Optimization (SEO), Pay-Per-Click (PPC) advertising management, social media marketing, and content marketing.

Service timelines are estimates and may be affected by factors beyond our control, including third-party platform changes or delays in receiving necessary assets or information from the Client.

3. Payment Terms

The Client agrees to pay Horner Insurance & Financial Services LLC for the Services rendered according to the payment schedule outlined in the Service Agreement. This typically involves a recurring monthly retainer fee, payable in advance of each service period. Any additional costs, such as advertising spend on platforms like Google Ads or Facebook Ads, are the sole responsibility of the Client and are payable directly to the respective platform.

Late payments may result in a suspension of Services and may incur late fees as specified in the Service Agreement.

4. Client Responsibilities

The Client agrees to cooperate with Horner Insurance & Financial Services LLC and provide, in a timely manner, all necessary information, assets, and access required for us to perform the Services. This includes access to website backends, analytics accounts, advertising accounts, and any branding materials or content needed for campaign execution. The Client is responsible for the accuracy and legality of all materials provided to us.

5. Intellectual Property

Upon full payment for the Services, the Client shall own the rights to the final, delivered creative work and campaign assets created by Horner Insurance & Financial Services LLC specifically for the Client. However, Horner Insurance & Financial Services LLC retains the rights to all of its pre-existing materials, strategies, methodologies, software, and know-how used in the provision of the Services. We also retain the right to showcase the work in our portfolio in a manner that respects client confidentiality.

6. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or sensitive information disclosed during the term of the agreement. This includes business strategies, financial information, and Campaign Data, as further detailed in our Privacy Policy.

7. Limitation of Liability

Horner Insurance & Financial Services LLC will perform the Services with professional skill and care. However, we do not guarantee specific results, such as search engine rankings, lead volume, or revenue increases. Our liability for any claim arising from our Services is limited to the total fees paid by the Client to us in the preceding three (3) months.

8. Termination

Either party may terminate the Service Agreement with written notice, typically thirty (30) days, as specified in the agreement. Upon termination, the Client is responsible for all fees incurred up to the effective termination date. Horner Insurance & Financial Services LLC will assist in an orderly transition of account management.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which Horner Insurance & Financial Services LLC is registered, without regard to its conflict of law provisions.