Terms of Services

Welcome to Bob Burnett Agency. By accessing or using our website and services, you agree to comply with and be bound by these Terms of Services. Please read these terms carefully before using our platform. If you do not agree with any part of these terms, you should not use our services.

Acceptance of Terms. By creating an account, requesting a quote, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Services and our Privacy Policy. These terms apply to all visitors, users, and others who access or use our services. We reserve the right to modify these terms at any time, and your continued use of our services after such changes constitutes your acceptance of the modified terms.

Eligibility and Account Registration. You must be at least eighteen years of age and a resident of the United States to use our services. By registering for an account, you represent and warrant that all information you provide is accurate, current, and complete. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to refuse service, terminate accounts, or remove or edit content in our sole discretion.

Use of Services. Our website and services are provided for the purpose of obtaining home insurance quotes, managing your insurance policies, and accessing related information and support. You agree to use our services only for lawful purposes and in accordance with these terms. You may not use our services in any manner that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use of our services. You may not attempt to gain unauthorized access to any portion of our website, other accounts, computer systems, or networks connected to our services through hacking, password mining, or any other means.

Quotes and Insurance Policies. The quotes provided through our website are estimates based on the information you supply and are not binding offers or guarantees of coverage. Final policy terms, conditions, and pricing are subject to underwriting approval by the insurance carrier. You acknowledge that obtaining a quote does not obligate you to purchase a policy, nor does it obligate us or any insurance carrier to provide coverage. All insurance policies are subject to the terms and conditions set forth in the policy documents issued by the carrier. You are responsible for reviewing your policy carefully and contacting us if you have questions or concerns.

Accuracy of Information. You agree to provide accurate, truthful, and complete information when requesting quotes, completing applications, or communicating with us. Providing false or misleading information may result in denial of coverage, cancellation of your policy, or denial of claims. You are responsible for updating your information promptly if your circumstances change, as this may affect your coverage and premium.

Intellectual Property. All content on our website, including text, graphics, logos, images, software, and other materials, is the property of Bob Burnett Agency or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use our content without our prior written permission. Any unauthorized use of our content may violate copyright, trademark, and other laws and may result in legal action.

Third Party Links and Services. Our website may contain links to third party websites or services that are not owned or controlled by Bob Burnett Agency. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third party websites or services.

Limitation of Liability. To the fullest extent permitted by law, Bob Burnett Agency and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your access to or use of or inability to access or use our services. Our total liability to you for any claims arising out of or related to these terms or our services shall not exceed the amount you paid to us in the twelve months preceding the claim.

Indemnification. You agree to defend, indemnify, and hold harmless Bob Burnett Agency and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of our services, your violation of these terms, or your violation of any rights of another party.

Dispute Resolution and Arbitration. Any dispute, claim, or controversy arising out of or relating to these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree that any arbitration shall be conducted on an individual basis and not as a class action or representative action. The arbitration shall take place in the state where our principal office is located. You agree to waive any right to a jury trial.

Termination. We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including if you breach these terms. Upon termination, your right to use our services will immediately cease. All provisions of these terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law. These terms shall be governed by and construed in accordance with the laws of the state in which our principal office is located, without regard to its conflict of law provisions. You agree to submit to the personal jurisdiction of the courts located in that state for the purpose of litigating any disputes not subject to arbitration.

Contact Us. If you have any questions or concerns about these Terms of Services, please contact us at [email protected]. We are here to help and will respond to your inquiry as soon as possible.