Disclaimers

Last Updated: January 1, 2026

TERMS OF SERVICE

Welcome to ChristianCo Inc. dba Pilothouse Insurance website. By accessing or using our website and services, you agree to be bound by the following terms and conditions. If you do not agree to these terms, please do not use our website or services provided.

1. Services Provided

ChristianCo Inc dba Pilothouse Insurance is an independent insurance agency. We provide platform-based tools and personalized consulting to help users obtain insurance quotes from third-party insurance carriers. We are not an insurance carrier. All insurance coverage is subject to the terms and conditions of the specific insurance policy issued by the carrier.

2. Accuracy of Quotes

Any quote generated through our website or provided by our agents is an estimate based on the information you provide and preliminary data from third-party sources.

• Final premiums are determined solely by the insurance carrier after a full underwriting process.

• Quotes may change based on verified driving records, claims history, or credit-based insurance scores.

3. User Responsibilities

By using this site, you represent that you are at least 18 years of age and that all information provided is truthful and complete. If you are under the age of 18, you may only use this site with the involvement and consent of a parent or legal guardian. ChristianCo Inc dba Pilothouse Insurance does not knowingly collect personal information from minor children, and any quote request submitted by a minor must be authorized by a parent of legal guardian who will serve as the primary policyholder or co-signer. Providing false information may result in the voiding of insurance quotes or policies.

4. Consent to Electronic Communications and Signatures

By submitting your contact information or using our services, you provide your express consent to conduct business electronically with ChristianCo Inc dba Pilothouse Insurance; its agents and staff.

• Email Communication: You agree to receive all quotes, policy documents, disclosures, and legal notices via the email address provided. You acknowledge that electronic delivery satisfies any legal requirement that such communications be "in writing."

• SMS Messaging: You consent to receive recurring automated and manual text messages. You may opt-out at any time by replying "STOP."

• Electronic Signatures: You agree that your electronic signature (e.g., clicking "Continue" or "I Agree") is the legal equivalent of your manual signature.

5. Third-Party Links and Carriers

This website contains links to third-party websites. ChristianCo Inc dba Pilothouse Insurance does not control and is not responsible for the content, privacy policies, or practices of any third-party insurance carriers or systems.

6. Limitation of Liability

To the fullest extent permitted by law, ChristianCo Inc dba Pilothouse Insurance shall not be liable for any damages resulting from errors in the information provided on this site, your inability to access this site, or the acts of any third-party insurance carrier or systems accessed through this website.

7. Intellectual Property

All content on this website is the property of ChristianCo Inc dba Pilothouse Insurance and is protected by copyright laws. You may not reproduce any content without our express written permission.

8. Governing Law

These terms are governed by the laws of the State of South Carolina, without regard to its conflict of law principles.

9. Geographic Scope and Licensing

ChristianCo Inc dba Pilothouse Insurance is a licensed insurance agency authorized to solicit and sell insurance products only in the jurisdictions where we hold a valid license.

• Licensed States: We are licensed in AL, FL, GA, IL, IN, KY, MD, MI, MO, NE, NC, OH, PA, SC, TN, TX, VA, WI.

• Intent of Use: This website is intended solely for residents of the states where we are licensed. Accessing this site from a location where we are not licensed does not constitute a solicitation.

10. Quotes vs. Binders vs. Policies

• Quotes: A quote is an estimate and does not constitute an offer of insurance or a guarantee of coverage.

• Binders: No insurance coverage is "bound" (active) until you receive a formal written Binder or Confirmation of Insurance from a licensed agent at ChristianCo Inc dba Pilothouse Insurance. Submitting a Form, application or payment via this website does not initiate coverage.

• Policies: The actual insurance policy issued by the carrier takes precedence over any quote or summary provided on this website or presented by an agent of ChristianCo Inc dba Pilothouse Insurance.

11. Payment Policies and Disclaimers

• No Automatic Coverage: Submitting a payment through this site, or a payment authorization form sent directly to our staff, does not automatically initiate insurance coverage, bind a new policy, or reinstate a cancelled or lapsed policy.

• Reinstatement: If your policy has been cancelled for non-payment, submitting a payment through this site, or a payment authorization form sent directly to our staff. does not guarantee reinstatement. Reinstatement is subject to the sole approval of the insurance carrier.

• Processing Times: We do not guarantee specific processing times for payments. Payments submitted through this site, or a payment authorization form sent directly to our staff, are processed manually or via third-party gateways and may not be applied to your policy by the carrier before a specific due date or cancellation deadline.

• Direct Carrier Payments: For immediate processing to prevent a lapse, we strongly recommend paying the insurance carrier directly via their official website.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. The "Last Updated" date at the top will indicate when the latest changes were made. Your continued use of the site constitutes your acceptance of the new terms.

PRIVACY POLICY

At ChristianCo Inc dba Pilothouse Insurance, we value the trust you place in us. This Privacy Policy explains how we collect, use, and protect your non-public personal information (NPI) when you request a quote or use our services.

1. Information We Collect

To provide accurate insurance quotes, we collect information from the following sources:

• Directly from You: Information you provide on forms and applications, such as your name, address, social security number, and contact details.

• Consumer Reporting Agencies: We may request reports from third parties, including driving records (MVRs), claims history (CLUE reports), and credit-based insurance scores.

• Website Usage: Technical data such as IP addresses and cookies to improve your user experience.

2. How We Use Your Information

We use your information strictly for insurance-related purposes:

• Submitting applications to our partner insurance carriers to obtain quotes.

• Servicing your policies and processing renewals.

• Communicating with you via Phone, Email, or SMS/Text Messaging regarding your quotes or policies.

3. Information Sharing and Disclosure

We do not sell your personal information to third-party marketers. We only share your information with:

• Insurance Carriers: To perform the specific task of underwriting and rating your policy.

• Service Providers: Entities that help us transmit data or send communications (e.g., our agency management system, data collection systems, or SMS gateway).

• Legal Requirements: When required by law, such as responding to a subpoena or regulatory inquiry.

4. Fair Credit Reporting Act (FCRA) Notice

In connection with your new or renewal quote or application for insurance, insurance carriers may use a credit-based insurance score. This score is developed by a third-party consumer reporting agency. You have the right to request the name of the agency and to contact them directly to ensure the information in your report is accurate.

5. SMS and Mobile Communication

If you have consented to receive text messages:

• Opt-Out: You may reply "STOP" to any message to unsubscribe immediately.

• Data Privacy: Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator operation data and consent; this information will not be shared with any third parties.

6. Data Security

We maintain physical, electronic, and procedural safeguards to protect your personal information. We restrict access to your NPI to employees who need that information to provide products or services to you.

7. Changes to This Policy

We may update this Privacy Policy periodically. The "Last Updated" date at the top will indicate when the latest changes were made.