TERMS OF USE

Terms of Use

  1. General Terms
    This Terms of Use Agreement (“Agreement”) governs your access to and use of the website and insurance quote engine available at JEFFBOGANINSURANCE.COM (the “Website”). By accessing or using the Website, you (“User” or “You”) acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree with any of the terms of this Agreement, you are instructed to discontinue use of the Website immediately. For any inquiries, please contact us at 239-261-6533.

  2. Privacy Policy
    Our Privacy Policy (available here) describes:

  • The types of information we collect from users,

  • The ways in which such information may be shared and used, and

  • The safeguards in place to protect your information.

This Privacy Policy is incorporated into this Agreement by reference. By utilizing the Website, you consent to the collection, use, and sharing of information as outlined in our Privacy Policy. Please be aware that Internet communications may not always be completely secure.

  1. User Representations and Warranties
    By using the Website, you represent and warrant that:

  • You have the legal capacity and requisite age to enter into this Agreement.

  • You will provide accurate, complete, and current information when using the Website.

  • You will not impersonate any individual or entity.

  • You are at least 13 years of age, as the Website is not designed for use by individuals under the age of 13.

  • If you are between the ages of 13 and 18, you confirm that your parent or guardian has reviewed and agreed to this Agreement.

  1. Acknowledgment of Services and Fees
    Unless you are an insurance broker, agent, or other insurance professional (“Service Provider”), or if you purchase a service through the Website, there are no charges for using the Website. Service Providers may be required to pay fees to be matched with users, but we are not involved in any transactions between users and Service Providers. You acknowledge and agree that we bear no responsibility for any agreements made between you and Service Providers, including but not limited to any associated fees, claims, losses, or damages.

  2. Intellectual Property Rights
    The content on the Website, including text, graphics, logos, images, and other materials, is protected by copyright, trademark, and other intellectual property laws. All rights to the Website and its content are reserved by us. You may use the content on the Website solely for personal, non-commercial purposes, provided that no content is modified and all legal notices remain intact. Unauthorized reproduction, distribution, or use of the content is prohibited without prior written consent.

  3. Restrictions on Use
    You agree not to:

  • Rent, lease, sell, or sublicense the Website or its content.

  • Copy, decompile, reverse-engineer, disassemble, or create derivative works based on the Website or any part thereof.

  • Exploit or interfere with the Website in any manner that could disrupt its functionality or affect its performance.

Any actions prohibited by law or the terms of agreements with licensors are permitted only to the extent necessary to comply with applicable legal obligations.

  1. Availability and Accessibility
    The Website is operated from the United States and may not be accessible in all jurisdictions. We make no representation that the Website is available or permissible in your location. You are responsible for ensuring compliance with any local laws or regulations that may apply. We may limit access to the Website where required by law.

  2. Third-Party Services
    We provide a platform that allows you to obtain quotes, estimates, and information from third-party service providers. However, we do not guarantee the availability, accuracy, or suitability of these services. We do not verify or validate the qualifications, licensing, or other credentials of third-party providers. It is your responsibility to conduct due diligence before engaging with third-party providers. We are not liable for any loss, damages, or claims arising from your use of such third-party services.

  3. Communications
    By submitting your contact information on the Website, you consent to receive communications from us and our associated insurance providers regarding:

  • Insurance-related inquiries or quote requests,

  • Updates or issues related to our services, and

  • Offers, promotions, or other information that may be of interest to you.

Such communications may be made via email, phone, or text message, and may involve automated systems. Standard message and data rates may apply. You may withdraw your consent to receive these communications at any time by following the opt-out instructions provided.

  1. Disclaimer of Warranties
    The Website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all express or implied warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. You acknowledge and agree that your use of the Website is at your own risk.

  2. Limitation of Liability
    We shall not be liable for any indirect, consequential, special, incidental, or punitive damages arising out of or in connection with your use of the Website, including but not limited to loss of profits, even if we were advised of the possibility of such damages. Our liability, in the aggregate, is limited to the amount you paid to use the Website. This limitation of liability may not apply in all jurisdictions.

  3. Amendments to This Agreement
    We reserve the right to amend or modify this Agreement at any time by posting the revised terms on the Website. Continued use of the Website after such modifications shall constitute your acceptance of the updated terms.

  4. U.S. Government Use Restrictions
    The Website and its content are provided with “Restricted Rights” for use by the United States Government. Use, duplication, or disclosure of the Website’s content by the U.S. Government is subject to restrictions as specified in applicable laws and regulations.

  5. Governing Law and Jurisdiction
    This Agreement shall be governed by the laws of the state of Florida, without regard to its conflict of law principles. Any disputes arising from or related to this Agreement shall be resolved in the state or federal courts located in Collier County, Florida.

  6. Miscellaneous Provisions
    If any provision of this Agreement is found to be invalid or unenforceable, it will be enforced to the maximum extent permitted by law. This Agreement may only be modified in writing. Failure to enforce any provision of this Agreement does not constitute a waiver of our right to enforce that provision in the future. Any legal actions arising from this Agreement must be filed within one year from the date the cause of action arose. The prevailing party in any legal proceeding may be entitled to reasonable attorneys' fees.

***Copyright and Image Usage

The images displayed on this Website are for illustrative purposes only. We do not claim ownership of any images unless explicitly stated. All images are the property of their respective copyright owners. While we strive to ensure that images are used in accordance with copyright laws, if you believe that any image has been used without proper authorization, please contact us at 239-261-6533, and we will address your concerns promptly.

You are permitted to use the Website’s content only for personal, non-commercial purposes. Any unauthorized commercial use or reproduction of these images is prohibited.

Logo of Bogan Insurance Agency with a stylized red hurricane symbol in the center, encircled by the agency's name.