Terms and Conditions
Welcome to David Allen Phillips, Jr (Insurance Agent). By using our services, you agree to the following Terms of Service, which outline the legal agreement between you and David Phillips Insurance. Please read these terms carefully.
1. Acceptance of Terms
By accessing or using our services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.
2. Services Provided
David Phillips Insurance offers various insurance products, including but not limited to life insurance, health insurance, and disability coverage. All products are subject to underwriting approval and applicable state and federal regulations.
3. Eligibility
Our services are available to individuals and businesses that are legally capable of entering into binding contracts. By using our services, you confirm that you meet these eligibility requirements.
4. Quotes and Applications
All quotes provided are estimates based on the information you supply and are not guarantees of coverage or pricing. Your application for insurance is subject to approval by the relevant insurance provider and may require additional information or underwriting. Submission of an application does not guarantee coverage.
5. Policy Changes and Renewals
Policy changes, renewals, and cancellations are subject to the terms and conditions of the specific insurance policy issued by the insurance provider. It is your responsibility to review your policy documents for specific details regarding your coverage.
6. Payment Terms
Premium payments must be made in accordance with the payment schedule specified by your policy. Failure to make timely payments may result in cancellation of your coverage or additional fees.
7. Disclaimer of Warranties
David Phillips Insurance strives to provide accurate and up-to-date information but does not guarantee the completeness, accuracy, or availability of any insurance product. Services are provided "as is" and "as available" without warranties of any kind, either express or implied.
8. Limitation of Liability
To the maximum extent permitted by law, David Phillips Insurance and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or any insurance product purchased through us.
9. Third-Party Providers
Some services and products are provided through third-party insurance carriers. We are not responsible for the terms, privacy policies, or actions of those third parties. It is your responsibility to review the terms of the third-party provider.
10. User Responsibilities
As a user of our services, you agree to:
Provide accurate, complete, and current information for insurance quotes and applications. Notify us promptly of any changes to your personal or financial information that may affect your policy review. All policy documents and terms to ensure your coverage meets your needs.
11. Changes to These Terms
We may update these Terms of Service at any time. Any changes will be posted on our website and communicated to you as needed. Continued use of our services after changes have been made indicates your acceptance of the new terms.
12. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the state in which David Phillips Insurance is based, without regard to conflict of law principles.
13. Contact Information
If you have any questions regarding these Terms of Service or our services, please contact us:
David Allen Phillips, Jr.
Email: [email protected]
Phone: (704) 668-2146
