Terms & Conditions​

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Effective Date: November 11, 2025

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Welcome to the website of Koefod Agency. By accessing or using this site, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our website.

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1. Acceptance of Terms

By visiting or using our website, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use our site.

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2. Use of Website

You agree to use this website for lawful purposes only. You may not use this site in any way that could damage, disable, overburden, or impair it, or interfere with others’ use of the website.

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3. Accuracy of Information

We strive to keep all information on our website accurate and up to date, but we make no guarantees that all content will always be complete, current, or error-free.

Koefod Agency is not responsible for any inaccuracies or omissions, nor for any actions you take based on the information provided here.

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4. Quotes and Services

Any quote or information provided through this website is for informational purposes only and does not constitute a binding agreement. Actual coverage and terms are subject to the policy provisions and underwriting approval from the respective insurance carrier.

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5. Intellectual Property

All content on this website—including text, images, logos, and design—is the property of Koefod Agency or used with permission. You may not reproduce, distribute, or use any content without prior written consent.

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6. Links to Other Websites

Our website may contain links to third-party sites for your convenience. Koefod Agency is not responsible for the content, privacy practices, or reliability of any linked websites.

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7. Limitation of Liability

Koefod Agency is not liable for any direct, indirect, incidental, or consequential damages resulting from your use of (or inability to use) our website or the information it provides.

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8. Indemnification

You agree to indemnify and hold harmless Koefod Agency, its employees, and affiliates from any claims, losses, damages, or expenses arising from your use of the website or violation of these Terms.

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9. Changes to Terms

Koefod Agency reserves the right to modify or update these Terms & Conditions at any time without prior notice. Updates will be effective once posted on this page.

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10. Governing Law

These Terms are governed by the laws of the State of Montana, without regard to its conflict of law principles.

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11. Contact Us

If you have any questions about these Terms & Conditions, please contact us:

Koefod Agency
223 3rd Ave A, Havre MT 59501

406-265-6767

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See other disclosures: SMS Terms of Service and our website Privacy Policy