Terms of Service Agreement for Christopher Davis – Insurance broker and website (www.chrisdavisinsurance.com)
Effective Date: 11-07-2024
Welcome to chrisdavisinsurance.com. This website is operated by Christopher Davis (“we,” “us,” “our”). By accessing or using our website, services, or telephone sales options, you agree to comply with and be bound by the following Terms of Service (“Terms”). Please read these Terms carefully before using our services.
1. Acceptance of Terms
By accessing or using our website and services, you acknowledge that you have read, understood, and agreed to these Terms, including our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.
2. Service Description
Christopher Davis is an insurance brokerage that provides insurance products via telephone sales. We offer insurance quotes, consultations, and policies by phone, allowing clients to purchase insurance from licensed agents in a convenient, remote manner.
3. Eligibility
To use our services, you must be at least 18 years old and reside in a state where we are licensed to operate. You may be required to provide identification and documentation to verify your eligibility.
4. Disclaimer of Financial and Insurance Advice
While our agents provide information about insurance products and services, this information is intended for general informational purposes only. It does not constitute financial or insurance advice. We recommend consulting a licensed professional or financial advisor for specific advice tailored to your unique needs and circumstances.
5. Telephone Sales and Consent to Contact
By submitting your information through our website or contacting us, you agree to allow our licensed insurance agents to contact you via phone, email, or text message to discuss available insurance products. If you do not wish to receive future calls or messages, please notify us directly or reply “STOP” to any text message.
6. Insurance Quotes and Pricing
Insurance quotes are provided based on the information you provide and are not guaranteed. The final price of any insurance policy may vary depending on the underwriting requirements of the insurance carrier. We are not responsible for inaccuracies in quotes due to incomplete or incorrect information provided by you.
7. Application Process
Once you have agreed to purchase a policy, our agents will guide you through the application process. Policies are subject to approval by the insurance carrier, and coverage is not guaranteed until an official policy has been issued by the insurer.
8. No Guarantee of Coverage
Insurance coverage is not guaranteed by [Insurance Broker Company Name] until the insurance carrier issues a policy. We are not liable for any damages or losses resulting from delays or denials in coverage from the insurance carrier.
9. Cancellations and Refunds
Policies are subject to cancellation terms as specified by the insurance carrier. We do not directly issue refunds; all refunds are handled by the issuing insurance carrier. If you wish to cancel a policy, please contact the insurance carrier directly or speak with our agents for guidance.
10. License and Jurisdiction
[Insurance Broker Company Name] operates as a licensed insurance broker in the states listed on our website. Insurance services are offered only in states where we are licensed. By using our website, you agree that any services rendered will be in compliance with applicable state laws.
11. User Responsibility
As a user of our website, you agree to:
Provide accurate and complete information to obtain an insurance quote or policy.
Use our services responsibly and refrain from any illegal or unauthorized activities.
Be solely responsible for decisions regarding the purchase of insurance products.
12. Limitation of Liability
To the fullest extent permitted by law, Christopher Davis – Insurance Broker and chrisdavisinsurance.com and its affiliates, employees, and agents will not be liable for any damages arising from your use of our website or services, including but not limited to loss of income, incidental or consequential damages, or third-party claims.
13. Indemnification
You agree to indemnify, defend, and hold harmless Christopher Davis – Insurance Broker and chrisdavisinsurance.com, its officers, directors, employees, and agents from any claims, losses, liabilities, expenses, or damages arising from your use of our website or violation of these Terms.
14. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be posted on this page, and the date at the top will be updated. Your continued use of our website or services following any modifications indicates acceptance of the revised Terms.
15. Governing Law
These Terms are governed by the laws of Nevada, without regard to conflict of laws principles. Any disputes arising from these Terms will be resolved exclusively in the state and federal courts located in Nevada.
16. Contact Information
For questions or concerns about these Terms, please contact us:
Christopher Davis – Insurance Broker and chrisdavisinsurance.com
(Home Office)
341 Oakford Street, Las Vegas, NV 89110
chris@chrisdavisinsurance.com
702-800-2158
(Commercial Office)
Christopher Davis – Insurance Broker
3531 E Russell Road STE C, Las Vegas, NV 89120
By using our website or telephone sales services, you acknowledge that you have read, understood, and agreed to these Terms of Service. Thank you for choosing Christopher Davis – Insurance Broker and chrisdavisinsurance.com to help protect what matters most.