Terms of Service

Last updated: March 17, 2026

These Terms of Service ("Terms") govern your access to and use of the website and services provided by Nelson & Associates Inc ("Nelson & Associates," "we," "us," or "our") at nelsonandassociatesinc.com.

Business address: 941 Hillwind Rd NE Ste 206, Fridley, MN 55432

Acceptance of Terms

By accessing or using our website, submitting information through our forms, or contacting us, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Services

Nelson & Associates is an independent insurance agency licensed to sell American Family Insurance products. We provide:

Insurance quote requests and information
Insurance policy consultation and support
Customer service and claims assistance
Appointment scheduling and communication

Important: No coverage is bound online. All quotes are prepared by licensed agents, and coverage must be confirmed and bound through direct communication with a licensed agent.

Use of Website

Permitted Use

You may use our website to:

Request insurance quotes
Learn about insurance products and services
Contact us for customer service
Schedule appointments

Prohibited Use

You agree not to:

Use the website for any unlawful purpose
Submit false, misleading, or fraudulent information
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the website or services
Use automated systems to access the website without permission
Reproduce, duplicate, or copy content without authorization

Information You Provide

You are responsible for the accuracy and completeness of information you provide to us. Providing false or misleading information may result in:

Denial of coverage or claims
Termination of services
Legal consequences

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Nelson & Associates or its licensors and is protected by copyright, trademark, and other intellectual property laws.

Third-Party Services

Our website may integrate with third-party services (e.g., Google Analytics, Google Tag Manager, and other third-party providers). Your use of these services is subject to their respective terms and privacy policies.

Advertising and Marketing Communications

Marketing Consent

By submitting a quote request, you consent to receive marketing via:

Email
Phone calls
SMS/text (requires separate SMS checkbox consent)
Direct mail

Advertising Data Usage

Your information may be used for:

Creating custom advertising audiences (Meta, Google)
Measuring campaign performance
Optimizing ad delivery
Retargeting with relevant offers

Third-Party Advertising Partners

Meta Platforms, Inc. - Facebook/Instagram advertising
Google LLC - Google Ads and search advertising

Partners receive hashed (encrypted) contact information as described in our Privacy Policy.

Opt-Out Rights

Opt out anytime via:

Call (763) 250-5528
Meta Ad Preferences: facebook.com/adpreferences
Google Ads Settings: adssettings.google.com
Unsubscribe link in emails

Note: Opting out of targeted ads does not stop all marketing unless explicitly requested.

Disclaimers

No Warranty

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Insurance Information

Information on this website is for general informational purposes only and does not constitute insurance advice, a binding offer, or a guarantee of coverage. Insurance terms, conditions, and availability vary by state and individual circumstances.

Limitation of Liability

To the maximum extent permitted by law, Nelson & Associates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our website or services.

Indemnification

You agree to indemnify and hold harmless Nelson & Associates, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of or relating to your use of our website or services, violation of these Terms, or violation of any rights of another.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will update the "Last updated" date when we make changes. Your continued use of our website after changes are posted constitutes acceptance of the modified Terms.

Termination

We reserve the right to suspend or terminate your access to our website or services at any time, with or without cause or notice, for any reason, including violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Minnesota.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and Nelson & Associates regarding your use of our website and services.

SMS Terms and Conditions

Nelson & Associates, Inc.

Nelson & Associates, Inc. is a licensed American Family Insurance agency. When you opt in via our website, you may receive SMS messages about insurance quotes, appointments, policy updates, and promotional offers based on your consent selections.

To cancel, text STOP to (763) 402-8220. You will receive one confirmation then no further messages. For help, reply HELP or contact: team@nelsonandassociatesinc.com | (763) 402-8220

Carriers are not liable for delayed messages. Message and data rates may apply. Message frequency varies.

Contact Us

If you have questions about these Terms, please contact us:
Email: team@nelsonandassociatesinc.com
Phone: (763) 250-5528
Mail: 941 Hillwind Rd NE Ste 206, Fridley, MN 55432