Terms of Use


Welcome to our website. These Terms of Use outline the rules and regulations for your interaction with our website. By accessing this site, you agree to comply with and be bound by these terms. Do not continue to use the website if you do not accept all of the terms and conditions outlined here.


You agree to receive informational messages (customer care, account notifications, and marketing) from Winderl Kaminsky Insurance. Message frequency will vary. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can cancel SMS service at any time. Just reply STOP. Once you reply STOP to us, we will send a message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program, you can reply with the word HELP for more assistance, or you can get help directly at joan@wkohio.com. If you have any questions regarding privacy, please read our privacy policy here


1. Intellectual Property Rights

Unless otherwise stated, we and/or our licensors own all intellectual property rights for the material on this website. You are granted a limited license only for the purpose of viewing the material for personal use, subject to the restrictions set in these terms.


2. Restrictions

You are specifically restricted from the following activities:

  • Republishing website material in any media.
  • Selling, sublicensing, or otherwise commercializing website content.
  • Publicly performing or displaying any website material.
  • Using the website in any way that may damage it.
  • Using the website in a manner that impacts user access or experience.
  • Violating any applicable laws or regulations through use of the website.
  • Causing harm to the website, its users, or any business entity.
  • Engaging in data mining, data harvesting, data extraction, or similar activities on or in relation to the website.


3. Your Content

“Your Content” refers to any audio, video, text, images, or other material you choose to upload or display on this website.

By displaying Your Content, you grant us a non-exclusive, worldwide, irrevocable, royalty-free, sublicensable license to use, reproduce, adapt, publish, translate, and distribute it in any and all media.

You are solely responsible for ensuring that:

  • You own or have the right to use the content you submit.
  • Your content does not infringe on any third-party rights.

We reserve the right to remove any of Your Content from the website at any time and for any reason, without notice.


4. No Warranties

This website is provided “as is”, with all faults. We make no express or implied representations or warranties regarding the website or its content. Nothing on the site shall be construed as legal, financial, or professional advice.


5. Limitation of Liability

To the fullest extent permitted by law, we and our officers, directors, and employees shall not be liable for any damages or losses arising out of or related to your use of this website, whether in contract, tort, or otherwise.


6. Variation of Terms

We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website following any changes means you accept and agree to the revised Terms. You are encouraged to review this page regularly.


7. Governing Law & Jurisdiction

These Terms are governed by the laws of the jurisdiction in which we operate. You agree to submit to the non-exclusive jurisdiction of the state and federal courts located in our jurisdiction for the resolution of any disputes.



SMS Terms & Conditions

You agree to receive informational messages (customer care, account notifications, and marketing) from Winderl Kaminsky Insurance. Message frequency will vary. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages. You can cancel SMS service at any time. Just reply STOP. Once you reply STOP to us, we will send a message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program, you can reply with the word HELP for more assistance, or you can get help directly at joan@wkohio.com. If you have any questions regarding privacy, please read our privacy policy here