TERMS & CONDITIONS
Last Updated: October 5, 2026
Welcome to www.mycbcagent.com (the "Site"), operated by Carpenter Agency ("Carpenter Agency," "we," "us," or "our"). These Terms & Conditions govern your use of the Site and any text messages you agree to receive from us. By using the Site, you agree to these terms. If you do not agree, please do not use the Site.
About Our Services
Carpenter Agency is an independent insurance agency. We work with multiple insurance companies to help you compare options. We are not the insurer, and we do not issue policies or make final decisions on coverage, pricing, or claims. Those decisions belong to the insurance company.
Quotes are estimates based on the information you provide and the insurance company's guidelines at the time. They are not a promise of coverage or price. Coverage is not in effect until the insurance company confirms it in writing. Submitting a form, sending a message, or leaving a voicemail does not bind, change, or cancel any policy.
Information on the Site
The content on the Site is for general information only. It does not describe every coverage, limit, or exclusion, and it is not legal, tax, or financial advice. Your actual coverage is governed by the terms of your policy. Please talk with a licensed agent about your specific situation.
Use of the Site
You agree to use the Site only for lawful purposes. You agree not to submit false information, interfere with the Site's operation or security, attempt to gain unauthorized access to any part of the Site, or use the Site to send spam or harmful code.
Intellectual Property
The text, graphics, logos, and other content on the Site belong to Carpenter Agency or its licensors and are protected by copyright and trademark law. Insurance company names and logos belong to their respective owners. You may not copy, reproduce, or distribute Site content without our written permission.
Third-Party Links
The Site includes links to other websites, including insurance company and social media sites. We do not control those sites and are not responsible for their content, terms, or privacy practices.
Messaging Terms & Conditions
You agree to receive informational messages from Patrick Carpenter Agency. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at Marsha@mycbcagent.com. You can opt out at any time by replying STOP.
Consent to receive text messages is not a condition of any purchase. After you reply STOP, you will receive one final message confirming your opt-out, and we will send no further messages unless you opt in again. Mobile carriers are not liable for delayed or undelivered messages. For details on how we handle your information, please see our Privacy Policy.
Disclaimer of Warranties
The Site is provided "as is" and "as available." We do our best to keep information accurate and current, but we make no warranties of any kind about the Site's content, availability, or accuracy, to the fullest extent permitted by law.
Limitation of Liability
To the fullest extent permitted by law, Carpenter Agency and its owners, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site.
Indemnification
You agree to hold harmless Carpenter Agency and its owners, employees, and agents from any claims or losses arising from your misuse of the Site or your violation of these terms.
Governing Law
These terms are governed by the laws of the State of Tennessee. Any dispute related to the Site will be handled in the state or federal courts located in Rutherford County, Tennessee.
Changes to These Terms
We may update these Terms & Conditions from time to time. Changes take effect when posted on this page. Your continued use of the Site means you accept the updated terms.
Contact Us
Carpenter Agency
567 Cason Ln STE F
Murfreesboro, TN 37128
Phone: (615) 896-8484
Welcome to www.mycbcagent.com (the "Site"), operated by Carpenter Agency ("Carpenter Agency," "we," "us," or "our"). These Terms & Conditions govern your use of the Site and any text messages you agree to receive from us. By using the Site, you agree to these terms. If you do not agree, please do not use the Site.
About Our Services
Carpenter Agency is an independent insurance agency. We work with multiple insurance companies to help you compare options. We are not the insurer, and we do not issue policies or make final decisions on coverage, pricing, or claims. Those decisions belong to the insurance company.
Quotes are estimates based on the information you provide and the insurance company's guidelines at the time. They are not a promise of coverage or price. Coverage is not in effect until the insurance company confirms it in writing. Submitting a form, sending a message, or leaving a voicemail does not bind, change, or cancel any policy.
Information on the Site
The content on the Site is for general information only. It does not describe every coverage, limit, or exclusion, and it is not legal, tax, or financial advice. Your actual coverage is governed by the terms of your policy. Please talk with a licensed agent about your specific situation.
Use of the Site
You agree to use the Site only for lawful purposes. You agree not to submit false information, interfere with the Site's operation or security, attempt to gain unauthorized access to any part of the Site, or use the Site to send spam or harmful code.
Intellectual Property
The text, graphics, logos, and other content on the Site belong to Carpenter Agency or its licensors and are protected by copyright and trademark law. Insurance company names and logos belong to their respective owners. You may not copy, reproduce, or distribute Site content without our written permission.
Third-Party Links
The Site includes links to other websites, including insurance company and social media sites. We do not control those sites and are not responsible for their content, terms, or privacy practices.
Messaging Terms & Conditions
You agree to receive informational messages from Patrick Carpenter Agency. Message frequency varies. Message and data rates may apply. For help, reply HELP or email us at Marsha@mycbcagent.com. You can opt out at any time by replying STOP.
Consent to receive text messages is not a condition of any purchase. After you reply STOP, you will receive one final message confirming your opt-out, and we will send no further messages unless you opt in again. Mobile carriers are not liable for delayed or undelivered messages. For details on how we handle your information, please see our Privacy Policy.
Disclaimer of Warranties
The Site is provided "as is" and "as available." We do our best to keep information accurate and current, but we make no warranties of any kind about the Site's content, availability, or accuracy, to the fullest extent permitted by law.
Limitation of Liability
To the fullest extent permitted by law, Carpenter Agency and its owners, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site.
Indemnification
You agree to hold harmless Carpenter Agency and its owners, employees, and agents from any claims or losses arising from your misuse of the Site or your violation of these terms.
Governing Law
These terms are governed by the laws of the State of Tennessee. Any dispute related to the Site will be handled in the state or federal courts located in Rutherford County, Tennessee.
Changes to These Terms
We may update these Terms & Conditions from time to time. Changes take effect when posted on this page. Your continued use of the Site means you accept the updated terms.
Contact Us
Carpenter Agency
567 Cason Ln STE F
Murfreesboro, TN 37128
Phone: (615) 896-8484