Terms & Conditions

Last Updated: 2026

This website is operated by Millicent Ethengain-Stewart on behalf of The Stewart Agency, an independent licensed insurance producer.

Platform Disclaimer

ApexCRM.ai provides marketing technology, automation tools, and lead management infrastructure used by independent licensed insurance producers. ApexCRM.ai is not an insurance carrier, broker, or insurance agency and does not sell, solicit, or negotiate insurance products.

Insurance Products

Insurance products may only be offered in states where the producer is properly licensed. Product availability, underwriting approval, and policy issuance are determined solely by the issuing insurance carrier.

No Guarantee of Coverage

Submitting information through this website does not guarantee eligibility, policy approval, or coverage.

Communication Consent

By submitting your information through this website, you consent to receive marketing text messages from Millicent Ethengain-Stewart regarding insurance products and services. For information on how your data is collected, used, and protected, please review our Privacy Policy.

Message and data rates may apply. Message frequency may vary. Consent is not required as a condition of purchase.

You must be 18 years of age or older to use this SMS service.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any message received.

Limitation of Liability

This website and its contents are provided for informational and lead inquiry purposes only. Neither [Agent Name] nor ApexCRM.ai shall be liable for any damages arising from the use of this website.

Carriers are not liable for delayed or undelivered messages.

Governing Law

These terms shall be governed by the laws of the state in which the licensed producer resides.

Contact

For questions regarding these Terms & Conditions, please contact:Millicent Ethengain-Stewart at [email protected]