Last updated: 12/10/2024
Welcome to Burke Insurance Services (“we,” “our,” “us”). By using our website [burkeinsuranceservices.com] (the “Site”), or engaging with our insurance products and services, you agree to comply with and be bound by these Terms and Conditions (“Terms”). Please read them carefully. If you do not agree to these Terms, please refrain from using our Site and services.
1. Acceptance of Terms
By accessing our Site or purchasing any of our services, you agree to these Terms, along with our Privacy Policy. We reserve the right to modify these Terms at any time without prior notice. Continued use of our Site and services constitutes acceptance of the revised Terms.
2. Insurance Products and Services
We offer a variety of insurance products, including but not limited to:
- Dental & Vision Insurance
- Life Insurance
- Health Insurance
- Employee Benefits
- Small Business Health Plans
All insurance policies are subject to the specific terms and conditions outlined in the policy documents provided to you at the time of purchase. In the event of any conflict between these Terms and the terms in your insurance policy, the insurance policy will prevail.
3. Use of the Site
- Eligibility: By using our Site, you represent that you are at least 18 years of age and legally capable of entering into binding agreements.
- Content: All materials, content, and information provided on our Site are for informational purposes only. We do not guarantee the accuracy or completeness of the content, and it should not be used as a substitute for professional advice.
- Prohibited Activities: You agree not to:
- Use the Site for any unlawful purposes.
- Attempt to disrupt or interfere with the Site’s functionality.
- Use automated systems to collect data from the Site.
4. Quotations and Applications
- Quotes: The insurance quotes provided via our Site or through our agents are estimates based on the information you provide. Final premiums may vary after underwriting review and further assessment.
- Applications: By submitting an application for insurance, you agree to provide accurate, complete, and up-to-date information. Inaccurate information may lead to the denial of coverage, increased premiums, or policy cancellation.
5. Premiums and Payments
- Payment Terms: Premiums must be paid according to the schedule outlined in your policy. Failure to pay premiums may result in the termination of your insurance coverage.
- Refunds: Refunds, if applicable, will be processed as per the cancellation and refund terms of your individual insurance policy. You should review the specific policy documents for refund details.
6. Policy Cancellations
- Cancellation by You: You may cancel your policy at any time by following the cancellation procedures outlined in your policy documents. Please note that cancellation fees or penalties may apply.
- Cancellation by Us: We reserve the right to cancel or refuse to renew your policy for reasons outlined in your insurance policy or applicable law, such as non-payment of premiums or misrepresentation.
7. Third-Party Links
Our Site may contain links to third-party websites or services. These links are provided for your convenience, and we are not responsible for the content, privacy practices, or policies of third-party websites. Accessing these links is at your own risk.
8. Limitation of Liability
- Disclaimer: We strive to provide accurate and timely information; however, we make no guarantees that the Site will be error-free, uninterrupted, or free from viruses.
- Liability: In no event will Burke Insurance Services or its affiliates, employees, or agents be liable for any indirect, incidental, special, or consequential damages arising from the use of our Site or services, even if advised of the possibility of such damages.
- Maximum Liability: Our maximum liability in relation to any claim arising from your use of our services will not exceed the total premiums you have paid to us for the applicable insurance policy.
9. Indemnification
You agree to indemnify, defend, and hold harmless Burke Insurance Services, its employees, agents, and affiliates from any claims, liabilities, damages, or expenses (including legal fees) arising from your use of the Site, violation of these Terms, or breach of your insurance policy.
10. Intellectual Property
- Ownership: All content, trademarks, logos, and intellectual property on the Site are the property of Burke Insurance Services or our licensors. You may not use, reproduce, or distribute any content from the Site without our express written permission.
- Limited License: We grant you a limited, non-exclusive, and revocable license to access and use the Site for your personal, non-commercial use.
11. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising out of these Terms or your use of our services will be resolved through binding arbitration in California, except for matters that may be resolved in small claims court.
12. Termination
We reserve the right to terminate or restrict your access to the Site or services for any reason, without notice, at our sole discretion.
13. Contact Information
If you have any questions or concerns regarding these Terms, please contact us at:
Burke Insurance Services
Phone: 916-261-0014
Email: paulburkeinsuranceagency@gmail.com