Effective Date: 01/01/2025

1. Introduction

This website is operated by Barnett & Daughters Insurance. The terms “we,” “us,” and “our” refer to Barnett & Daughters Insurance. By accessing our website, you agree to comply with these Terms and Conditions (“Terms”) and our Privacy Policy. If you do not agree, please do not use our website.

2. Use of the Website

You agree to use our website for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the website. You must not misuse the website by introducing viruses, trojans, worms, or other material that is malicious or technologically harmful.

3. Eligibility

By using our website, you represent that you are at least the age of majority in your state or province of residence and are legally capable of entering into a binding contract.

4. Account Information

If you create an account on our website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password.

5. Products and Services

All products and services offered through our website are subject to availability and may be withdrawn at any time. We reserve the right to refuse service to anyone for any reason at any time.

6. Pricing and Payments

Prices for our products and services are subject to change without notice. We reserve the right to modify or discontinue a product or service without notice at any time.

7. Third-Party Links

Our website may contain links to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy of these websites and do not warrant and will not have any liability or responsibility for any third-party materials or websites.

8. User Content

You are responsible for any content you post on our website. By posting content, you grant us the right to use, reproduce, modify, and distribute it. You agree not to post content that is unlawful, offensive, or infringes on the rights of others.

9. Privacy Policy

Your submission of personal information through the website is governed by our Privacy Policy. Please review our Privacy Policy to understand our practices.

10. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Barnett & Daughters Insurance or its content suppliers and is protected by international copyright laws.

11. Disclaimer of Warranties

Our website and all information, products, and services included on or otherwise made available to you through our website are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied.

12. Limitation of Liability

In no event shall Barnett & Daughters Insurance be liable for any direct, indirect, incidental, punitive, or consequential damages arising out of your use of our website.

13. Indemnification

You agree to indemnify, defend, and hold harmless Barnett & Daughters Insurance and our affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from any claim or demand.

14. Severability

If any provision of these Terms is determined to be unlawful, void, or unenforceable, the remaining provisions shall remain enforceable.

15. Termination

We reserve the right to terminate your use of the website for violating any of the prohibited uses.

16. Governing Law

These Terms and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of the State of Florida.

17. Changes to Terms and Conditions

We reserve the right to update, change, or replace any part of these Terms by posting updates and changes to our website. It is your responsibility to check our website periodically for changes.

18. Contact Information

Questions about the Terms and Conditions should be sent to us at:

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