Terms and Conditions

Effective Date:

April 5, 2025

Welcome to EarnestBanksLicenseInsuranceAgent.com, the official website of Earnest Banks, a licensed and contracted insurance agent of

Corporate Business Initiative (CBI). By accessing or using this Site, you agree to comply with the following Terms and Conditions (“Terms”).

1. Acceptance of Terms & Updates

By using this website, you agree to these Terms and our Privacy Policy. This agreement may be updated from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

2. Use of the Site

This website is provided for informational purposes and the promotion of insurance-related services offered by Earnest Banks. You agree to use the Site only for lawful, personal, and non-commercial purposes. Unauthorized commercial use, data scraping, or copying of site content is strictly prohibited.

3. Intellectual Property & Ownership

All content—including text, graphics, logos, icons, images, and software—is the property of Earnest Banks or used under license from

Corporate Business Initiative (CBI). You may not modify, copy, distribute, reproduce, republish, or display any content without prior written consent, except for personal, non-commercial use.

4. Trademarks

The names, logos, and branding associated with Earnest Banks and CBI are either owned or licensed. Use of these trademarks without written permission is prohibited. This includes use in advertising, web addresses, or search engine marketing.

5. Third-Party Links

The Site may contain links to third-party websites or platforms. These links are provided for convenience only and do not imply endorsement. We are not responsible for the content, accuracy, or privacy practices of third-party websites.

6. Downloads & Technical Security

While we strive to provide safe content, we do not guarantee that any files or documents available for download will be free of viruses, malware, or harmful components. You are responsible for using proper antivirus protection.

7. Disclaimer of Warranties

This Site is provided "as is" without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or that defects will be corrected.

8. Limitation of Liability

To the fullest extent permitted by law, Earnest Banks and CBI are not liable for any indirect, incidental, or consequential damages arising from your use of the Site. In no case shall our liability exceed $100 USD.

9. Indemnification

You agree to indemnify and hold harmless Earnest Banks, Corporate Business Initiative, and their respective affiliates from any claims, damages, losses, or expenses (including attorney fees) resulting from your violation of these Terms or misuse of the Site.

10. User Submissions

Any feedback, suggestions, or ideas submitted via this Site become the property of Earnest Banks without compensation or obligation of confidentiality. Please do not submit proprietary or sensitive information unless requested.

11. Account & Password Security

If you create an account or submit sensitive data through the Site, you are responsible for maintaining the confidentiality of your login information and for all activities that occur under your account.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Texas. Any disputes shall be resolved in the courts located in

Travis County, Texas.