Terms & Conditions

Effective Date: January 1, 2026

Website: https://evolutioninsure.com

Agreement to Terms
These Terms and Conditions (“Terms”) govern your use of www.evolutioninsure.com (the “Website”), operated by Evolution Insurance (“we,” “us,” or “our”). By accessing or using the Website, submitting a form, using our chat feature, or opting in to text messages, you agree to these Terms. If you do not agree, please do not use the Website.

About Our Services
Evolution Insurance is an independent insurance agency. We help individuals and businesses obtain insurance quotes and coverage through our partner insurance carriers. We are not an insurance company, and coverage is provided and underwritten by the carriers we work with.

No Coverage Until Bound
Submitting a quote request, contacting us through the Website, chatting with us, or exchanging text messages does not create, bind, change, or cancel any insurance coverage. Coverage is not in effect until it has been confirmed in writing by Evolution Insurance or the issuing carrier. Never assume a policy change or new policy is active based solely on a website submission, chat, or text message.

Quotes and Information
Quotes are estimates based on the information you provide and the carriers’ underwriting guidelines at the time of the quote. Final premiums, eligibility, and coverage terms are determined by the insurance carrier and may differ from an initial quote. You agree to provide accurate, complete, and truthful information. Inaccurate or incomplete information may affect your quote, your eligibility, or the validity of a policy.

Content on the Website is provided for general informational purposes only and is not legal, tax, or financial advice. Coverage descriptions are summaries; the actual policy documents control the terms, conditions, limits, and exclusions of any coverage.

SMS / Text Messaging Terms
By providing your mobile phone number and opting in, you agree to receive text messages from Evolution Insurance related to quote requests, policy information, appointment reminders, and customer service. Consent to receive text messages is not a condition of purchasing any product or service.

Message frequency: Message frequency varies.
Costs: Message and data rates may apply.
Opt out: Reply STOP at any time to stop receiving messages. You will receive one confirmation message, and no further messages will be sent unless you opt in again.
Help: Reply HELP for assistance, or call (615) 922-9228.
Carriers: Mobile carriers are not liable for delayed or undelivered messages.
Privacy: Your information is handled as described in our Privacy Policy. Mobile information and text messaging opt-in data will not be shared with third parties or affiliates for marketing or promotional purposes.

Website Chat
Our chat feature is provided for general questions and assistance. Information shared through chat may be stored and reviewed as described in our Privacy Policy. Chat responses are not a binding offer of coverage and do not replace your policy documents. Please do not share sensitive information such as Social Security numbers or payment details through chat.

Acceptable Use
You agree not to:

Use the Website for any unlawful or fraudulent purpose
Submit false information or information about another person without their authorization
Attempt to gain unauthorized access to the Website, its servers, or related systems
Interfere with the Website’s operation, including by introducing viruses or other harmful code
Use automated tools to scrape, copy, or collect content from the Website

Intellectual Property
All content on the Website, including text, graphics, logos, and design, is owned by or licensed to Evolution Insurance and is protected by applicable intellectual property laws. You may view and print content for personal, non-commercial use only. You may not copy, reproduce, or distribute Website content without our written permission. Carrier names and logos belong to their respective owners.

Third-Party Links
The Website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the content, policies, or practices of those sites, and your use of them is at your own risk.

Disclaimer of Warranties
The Website is provided “as is” and “as available.” We do not guarantee that the Website will be uninterrupted, error-free, or free of harmful components, or that all content is complete or current. To the fullest extent permitted by law, we disclaim all warranties, express or implied.

Limitation of Liability
To the fullest extent permitted by law, Evolution Insurance will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Website, including reliance on any information provided through the Website, chat, or text messages. Nothing in these Terms limits any rights or obligations that exist under an insurance policy or under applicable insurance law.

Governing Law
These Terms are governed by the laws of the State of Tennessee, without regard to its conflict of law principles. Any dispute arising from these Terms or your use of the Website will be handled in the state or federal courts located in Tennessee.

Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after changes are posted means you accept the updated Terms.

Privacy
Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

Contact Us
If you have questions about these Terms, please contact us:
Phone: (615) 922-9228