Policies
Terms of Use
The terms that apply when you use the Calder & Birch website.
Last updated: November 10, 2026
1. Accepting these terms
By using this website you agree to these terms. If you don't agree, please don't use the site.
2. Who we are, and what we aren't
This website is operated by Calder and Birch LLC ("Calder & Birch", "we", "us"), a marketing agency serving independent and captive insurance agencies throughout the United States. We work remotely with agencies in every state and don't have an office open to the public.
We are not an insurance agency, broker or producer, we don't sell insurance, and nothing on this website is compliance, regulatory or insurance advice. Information here is general and for informational purposes only. This website and our services are intended for businesses located in the United States.
3. No guarantee of results
Marketing outcomes depend on many factors, including your market, line of business, competition, carrier appetite and sales process. Any examples, figures, sample reports or calculator estimates on this site are illustrative and don't guarantee future results.
4. Market availability and audits
Submitting the Market Availability Check form is a request for information. It doesn't create a contract, reserve a territory or oblige either of us to enter an agreement. Availability is confirmed in writing and may change until an agreement is signed.
5. Client engagements
Our marketing services are provided under a separate written services agreement. When we handle your customers' or prospects' personal information, our Data Processing Agreement also applies. If these terms conflict with a signed services agreement or the Data Processing Agreement, those agreements control.
6. Calls and text messages
If you give consent on our form, you agree that we may call and text you at the number you provide about your request and our services, including with automated technology. Consent isn't a condition of any purchase. Message and data rates may apply. Reply STOP to any text to opt out, or email us. Our Privacy Policy explains how we record and honor your consent.
7. Insurance marketing rules
Insurance agencies and producers remain responsible for complying with the rules that apply to their own advertising and outreach in each state where they do business, including state Department of Insurance advertising rules, carrier requirements, TCPA consent rules for calls and texts and, for Medicare, CMS marketing and communications rules. We build marketing with these rules in mind, but final approval and compliance rest with your agency.
8. Intellectual property
The content, design and branding of this website are owned by or licensed to Calder and Birch LLC. You may not copy, reproduce or distribute them without written permission.
9. Third-party links and services
This site may link to third-party websites and uses third-party services, such as Formspree and Google Analytics. We don't control them and aren't responsible for their content or how they handle information.
10. Disclaimer and limitation of liability
This website is provided "as is", without warranties of any kind. To the fullest extent permitted, Calder and Birch LLC isn't liable for any indirect, incidental or consequential loss arising from your use of the site or reliance on its content.
11. Jurisdiction
These terms are governed by U.S. federal statutes and regulations and by the statutes and regulations of the state in which Calder and Birch LLC is organized. This applies wherever in the United States you use the website or our services.
12. Changes and contact
We may update these terms from time to time. The "last updated" date above shows when they last changed. Questions? Email outreach@