Terms and conditions of use

Acceptance of Terms

Welcome to Drew Garret Insurance. By accessing or using our website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

We reserve the right to modify these terms at any time. Your continued use of the website following any changes constitutes acceptance of those changes. It is your responsibility to review these terms periodically.

Use of Services

Our services are intended to help you obtain insurance quotes, purchase insurance policies, and manage your insurance needs. You agree to use our services only for lawful purposes and in accordance with these terms.

You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into binding agreements.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Insurance Quotes and Applications

The insurance quotes provided through our website are estimates based on the information you provide. Actual premiums and coverage terms are determined by the insurance carriers and may differ from the quoted amounts.

You agree to provide accurate, complete, and current information when requesting quotes or applying for insurance policies. Providing false or misleading information may result in denial of coverage or cancellation of your policy.

Submitting an application through our website does not guarantee that you will be approved for insurance coverage. Final approval is subject to underwriting review by the insurance carrier.

Fees and Payments

Drew Garret Insurance may earn commissions from insurance carriers for policies purchased through our services. These commissions do not affect the premiums you pay, which are set by the insurance carriers.

You are responsible for paying all premiums and fees associated with your insurance policies. Failure to pay premiums may result in cancellation of your coverage.

All payments must be made through the methods specified by the insurance carrier or Drew Garret Insurance. We are not responsible for any delays or errors in payment processing caused by third-party payment processors.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Drew Garret Insurance or our licensors and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on our website without our prior written consent. You may use our website for personal, non-commercial purposes only.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the operation of our website or the accuracy of information provided.

We do not warrant that our website will be uninterrupted, error-free, or free from viruses or other harmful components. Your use of our website is at your own risk.

Drew Garret Insurance is an insurance agency and not an insurance carrier. We do not underwrite insurance policies or handle claims. All coverage decisions and claims are handled by the respective insurance carriers.

Limitation of Liability

To the fullest extent permitted by law, Drew Garret Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or inability to use our services.

Our total liability to you for any claims arising from your use of our services shall not exceed the total amount of commissions we have earned from your insurance policies in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Drew Garret Insurance, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services, your violation of these terms, or your violation of any rights of another party.

Termination

We reserve the right to terminate or suspend your account and access to our services at any time, without prior notice or liability, for any reason, including if we believe you have violated these terms.

Upon termination, your right to use our services will immediately cease. Sections of these terms that by their nature should survive termination shall survive, including intellectual property provisions, warranty disclaimers, and limitations of liability.

Dispute Resolution and Arbitration

Any dispute arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to a jury trial or to participate in a class action lawsuit.

Arbitration will take place in Los Angeles, California, unless otherwise agreed by the parties. The arbitrator's decision will be final and binding.

Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Contact Information

If you have questions about these Terms of Service, please contact us at:

Drew Garret Insurance
811 W. 7th St
Los Angeles, CA 90017
Email: [email protected]
Phone: +1 (213) 802-2010