Terms of Service

Terms and Conditions: Biera Agency dba Beira Agency

Effective Date: January 29, 2026

1. Introduction

These Terms & Conditions ("Terms") govern your access to and use of the website and services provided by Biera (doing business as Beira Agency, "we," "us," or "our"). By accessing www.beira-agency.com, www.beiraagency.com, www.beira.agency (the "Website"), or using our insurance and consulting services, you agree to be bound by these Terms.

2. SMS and Mobile Messaging

By providing your phone number and opting in to receive messages, you agree to the following:

  • Consent: You authorize Beira Agency to send text messages (SMS/MMS) to the mobile number provided. This includes service updates, appointment reminders, and responses to your inquiries.

  • Frequency: Message frequency varies based on your interaction with our services.

  • Rates: Message and data rates may apply.

  • Opt-Out: You can cancel the SMS service at any time. Just text "STOP" to our number. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed.

  • Help: If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at hello@beira.agency.

3. Use of the Website

You may use the Website for lawful purposes only. You agree not to:

  • Transmit viruses, worms, or any destructive code.

  • Interfere with the proper functioning or security (Voice Integrity/STIR/SHAKEN) of our communication networks.

  • Attempt unauthorized access to our systems or collect user data without express consent.

4. Disclaimer of Warranties

The Website and Services are provided "as is" and "as available." Beira Agency does not warrant that the Services will be uninterrupted, error-free, or free of viruses. We provide insurance-related information, but final coverage is determined solely by the insurance carriers.

5. Limitation of Liability

To the maximum extent permitted by law, Biera (dba Beira Agency) shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of the Website or Services, even if we have been advised of the possibility of such damages.

6. Indemnification

You agree to indemnify and hold harmless Beira Agency and its affiliates from any claims, losses, or costs (including attorneys' fees) arising from your violation of these Terms or your use of the Services.

7. HIPAA and Privacy

Your use of our services is also governed by our Privacy Policy, which includes our commitment to HIPAA compliance and the protection of your Protected Health Information (PHI).

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

9. Contact Information

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

  • Legal Name: Biera dba Beira Agency

  • Phone: +1 (806) 670-0580

  • Email: hello@beira.agency

10. Severability & Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. These Terms constitute the entire agreement between you and Beira Agency regarding the subject matter herein.

Last Updated: January 29, 2026