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Terms and Conditions

Last updated: 10/5/2026

Acceptance of Terms

By accessing and using the Tiffee Insurance Agency website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Services

Tiffee Insurance Agency provides insurance brokerage services, including but not limited to:

  • Insurance quotes and comparisons
  • Policy application assistance
  • Claims support and guidance
  • Insurance consultation and advice
  • Policy management services

License and Authorization

Tiffee Insurance Agency is a licensed insurance agency in the state of Colorado. Kyle Tiffee is a licensed insurance agent authorized to sell insurance products on behalf of multiple approved carriers.

Quote Accuracy

Insurance quotes provided are estimates based on the information you provide. Final rates and coverage may vary based on:

  • Complete underwriting review
  • Credit checks and driving records
  • Property inspections
  • Verification of provided information

All insurance policies are subject to the terms and conditions of the insurance carrier's policy documents.

Payment and Billing

Insurance premiums are due according to the payment schedule outlined in your policy documents. Payment methods and terms are:

  • Automatic bank draft (ACH)
  • Credit/debit card payments
  • Online payment portal
  • Phone payments through customer service

Cancellation Policy

You may cancel your insurance policy at any time by contacting our office. Cancellation terms, including any refunds or fees, are governed by the specific insurance carrier's policy terms and state regulations.

Limitation of Liability

Tiffee Insurance Agency's liability is limited to the scope of services provided as an insurance intermediary. We are not liable for claims denials, coverage gaps, or other decisions made by insurance carriers. Our role is to facilitate the insurance process and provide guidance based on available information.

Privacy and Confidentiality

We maintain strict confidentiality of your personal and financial information in accordance with our Privacy Policy and applicable state and federal regulations, including the Gramm-Leach-Bliley Act.

SMS Communications

Description of SMS Use Case

Tiffee Insurance Agency uses SMS for conversational purposes with current and prospective clients. We use SMS to set appointments, relay information about insurance policies, and provide updates or reminders about billing. The average user receives between 1–2 messages per month, though frequency may vary based on your interactions with our services.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from Tiffee Insurance Agency. Upon opting out, you will receive a one-time confirmation message, and no further SMS messages will be sent unless you re-subscribe. You may also contact us at (303) 465-3400 or [email protected] to request removal from SMS communications. Reply HELP at any time for assistance.

Message and Data Rate Disclosure

Message and data rates may apply to any SMS messages sent or received in connection with our services. Message frequency may vary. Please contact your mobile carrier for details regarding your messaging plan and any applicable charges.

Carrier Liability Disclaimer

Tiffee Insurance Agency and mobile carriers are not liable for delayed or undelivered messages. Carriers are not responsible for the content, accuracy, or availability of information transmitted via SMS. Delivery of messages is subject to effective transmission by your mobile carrier and network availability.

Age Restriction

You must be at least 18 years of age to opt in to SMS communications from Tiffee Insurance Agency. By opting in, you confirm that you are 18 years of age or older. If we become aware that a person under the age of 18 has opted in to receive SMS messages, we will promptly remove their information from our messaging list.

Modifications

Tiffee Insurance Agency may revise these terms of service at any time without notice. By using this website, you are agreeing to be bound by the then current version of these Terms and Conditions.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the applicable state where services are provided. Any disputes arising under these terms shall be subject to the jurisdiction of the appropriate state courts.

Contact Information

For questions regarding these Terms and Conditions, please contact:

Tiffee Insurance Agency

5400 Ward Road, Building 3, Arvada, CO 80002

Phone: (303) 465-3400

Email: [email protected]

Licensed in Colorado