Terms & Conditions
Terms & Conditions
Effective Date: June 28, 2026
Welcome to SalonSpaInsure.com, operated by Provident Financial Group, LLC (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with these Terms, please do not use this website.
Website Purpose
SalonSpaInsure.com provides information about commercial insurance products and services for salons, spas, barber shops, medical spas, estheticians, nail salons, and other beauty-related businesses.
Information provided on this website is for general informational purposes only and should not be considered legal, financial, or insurance advice.
No Insurance Coverage Is Created
Submitting a quote request, completing a contact form, emailing us, or speaking with one of our representatives does not create an insurance policy or bind insurance coverage.
Insurance coverage becomes effective only after:
- An application has been approved (when required)
- Coverage has been accepted by the insurance carrier
- Any required premium has been paid
- A binder or policy has been issued by the insurance company
Do not assume you have insurance coverage until you receive written confirmation from the insurance carrier or an authorized representative.
Quotes Are Estimates
Insurance quotes provided through our website or by our representatives are estimates based on the information available at the time of the quote.
Final premiums, eligibility, coverage terms, deductibles, exclusions, and conditions are determined by the insurance company during underwriting.
Accuracy of Information
You agree to provide accurate, complete, and truthful information when requesting insurance quotes or communicating with us.
Providing inaccurate or incomplete information may affect:
- Quote accuracy
- Eligibility
- Coverage availability
- Premium calculations
- Policy issuance
Website Content
All content on this website, including but not limited to:
- Text
- Graphics
- Logos
- Images
- Icons
- Videos
- Design
- Layout
- Software
is the property of Provident Financial Group or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.
You may not copy, reproduce, distribute, modify, or republish website content without our prior written permission.
Intellectual Property
“SalonSpaInsure.com,” “Provident Financial Group,” our logos, branding, and other trademarks displayed on this website are the property of their respective owners.
Unauthorized use is prohibited.
Third-Party Insurance Companies
Provident Financial Group is an independent insurance agency.
We work with multiple insurance companies to provide coverage options.
Insurance policies are issued by the individual insurance carriers, and policy terms, conditions, exclusions, and endorsements are determined by those carriers.
We do not guarantee acceptance, pricing, or coverage availability from any specific insurance company.
No Professional Advice
The information contained on this website should not be considered legal, accounting, tax, financial, or professional advice.
You should consult appropriate licensed professionals regarding your specific business needs.
Insurance coverage decisions should always be based on the actual policy language issued by the insurance carrier.
Limitation of Liability
To the fullest extent permitted by law, Provident Financial Group shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to:
- Use of this website
- Reliance on website information
- Website interruptions
- Technical errors
- Inaccuracies
- Delays
- Loss of data
Our total liability, if any, shall be limited to the extent permitted under applicable law.
Third-Party Websites
This website may contain links to third-party websites.
We are not responsible for the content, privacy practices, accuracy, or availability of websites that we do not own or control.
Accessing third-party websites is at your own risk.
Electronic Communications
By submitting information through this website, you consent to receive communications related to your inquiry or requested services by phone, email, or text message, where permitted by law.
You may opt out of marketing communications at any time. Transactional or service-related communications may still be sent as necessary to respond to your request or service your account.
Privacy
Your use of this website is also governed by our Privacy Policy.
Please review our Privacy Policy to understand how we collect, use, and protect your information.
Availability of Website
We strive to keep this website available at all times.
However, we do not guarantee uninterrupted access and reserve the right to modify, suspend, or discontinue any part of the website without prior notice.
Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State in which Provident Financial Group is principally licensed to conduct business, without regard to conflict of law principles.
Any legal dispute arising from these Terms shall be subject to the jurisdiction of the appropriate state or federal courts, unless otherwise required by applicable law.
Changes to These Terms
We reserve the right to update or modify these Terms & Conditions at any time.
Changes become effective upon posting to this page.
Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.
Contact Us
If you have questions regarding these Terms & Conditions, please contact us.
Provident Financial Group
SalonSpaInsure.com
Phone: 866-964-6660
Please use the Contact Us page on our website for additional ways to reach our team.
Entire Agreement
These Terms & Conditions, together with our Privacy Policy and any other policies posted on this website, constitute the entire agreement between you and Provident Financial Group regarding your use of this website.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.