The terms under which this platform is accessed and services are provided.
These terms govern access to and use of davidinsure.com and the insurance advisory services available through it. By visiting or submitting information through this platform, a user agrees to the terms on this page. DavidInsure reserves the right to modify these terms at any time, with changes taking effect upon posting.
This platform is open to U.S. residents who are at least eighteen years of age. Use for quoting or initiating a client relationship is restricted to eligible adults acting on their own behalf or with proper authority for a business entity. By using this site, users confirm they meet these requirements.
DavidInsure operates as an independent agency intermediary, facilitating insurance guidance and coverage placement across auto, home, health, Medicare, life, and commercial lines. DavidInsure is not an insurance carrier and does not underwrite or guarantee any policy. All coverage is issued by the carriers with whom policies are placed.
Users are responsible for the accuracy and completeness of all information submitted during the quoting or application process. Errors or omissions may affect coverage terms or post-claim validity. DavidInsure does not independently verify submitted data and is not responsible for outcomes resulting from inaccurate information.
All site content including text, imagery, layout, and branding is the property of DavidInsure or its licensors and is protected by applicable law. Visitors may view content for personal reference only. Reproduction or commercial use without prior written consent is prohibited.
Use of this site for any unlawful, harmful, or deceptive purpose is prohibited. This includes submitting false information, attempting unauthorized system access, scraping content, impersonating others, or facilitating fraudulent insurance activity. DavidInsure may terminate access for any violation without prior notice.
This site may link to third-party resources or carrier websites for reference purposes. Such links do not constitute an endorsement or guarantee of any external content. DavidInsure assumes no responsibility for the content, accuracy, or privacy practices of third-party sites.
Informational content on this platform is provided for general educational purposes and does not constitute legal or financial advice. The insurance industry is subject to change, and specific coverage questions should be confirmed with carrier documentation or a licensed advisor. No warranties are made regarding the fitness of site content for a particular purpose.
To the fullest extent permitted by law, DavidInsure and affiliated personnel are not liable for indirect, incidental, or consequential damages arising from use of or reliance on this site. Total liability in any case shall not exceed the amount paid by the user for services in the prior thirty days.
Users agree to indemnify and hold harmless DavidInsure, its officers, agents, and service providers from any claims, damages, or costs arising from their use of the site, violation of these terms, or submission of inaccurate information. This obligation survives any cessation of site use.
Unresolved disputes will be submitted to binding arbitration conducted on an individual basis; class arbitration is not permitted. This agreement does not prevent either party from seeking emergency injunctive relief in a court of competent jurisdiction where necessary to prevent irreparable harm.
These terms are governed by the laws of the jurisdiction in which DavidInsure is registered. Any legal action not subject to arbitration shall be brought in a court of appropriate jurisdiction within that territory. Users accessing the site from other jurisdictions are responsible for local compliance.
These terms may be revised to reflect changes in services, law, or operating practices. Updated terms will be posted here with a revised effective date. Continued use of the site after posting constitutes acceptance of the changes.
Questions or concerns regarding these terms can be submitted to david-morris@davidinsure.com, by phone at +1 (815) 629-4049, or in writing to 310 W Monroe St, Chicago IL 60606. All communications are acknowledged and handled with reasonable timeliness.