Terms & Conditions
1. Acceptance of Terms
By accessing or using the website at johndouglasinsurance.com, submitting an inquiry, completing an opt-in form, or communicating with John Douglas Insurance & Financial Services (“Agency,” “we,” “us,” or “our”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website or services.
2. Services Description
John Douglas Insurance & Financial Services is an independent insurance agency licensed in Florida and Georgia. We provide insurance consultation, quoting, enrollment assistance, and ongoing policy service for health, Medicare, life, property, and casualty insurance products. We are appointed with multiple carriers including Florida Blue and operate as a We Insure affiliate for property and casualty products.
We do not guarantee specific rates, policy approvals, or coverage outcomes. All insurance products are subject to carrier underwriting and approval.
3. SMS / Text Messaging Terms
By submitting your phone number via our opt-in form at johndouglasinsurance.com/opt or verbally consenting during a call with an agent, you agree to receive SMS/text messages from John Douglas Insurance related to:
- Insurance plan options and enrollment information
- Appointment reminders and follow-up communications
- Open enrollment and renewal period notifications
- Policy updates and coverage information
Message frequency varies. Message and data rates may apply. To opt out at any time, reply STOP to any message. To request help, reply HELP. For assistance, contact us through johndouglasinsurance.com. Opting out of SMS communications does not affect any existing insurance coverage.
4. No Insurance Advice Guarantee
Information provided on our website or through general communications is for informational purposes only and does not constitute a binding insurance quote, coverage confirmation, or legal advice. Coverage terms are governed solely by the issued policy documents from the applicable insurance carrier.
5. Accuracy of Information
You agree to provide accurate, complete, and current information when submitting forms, requesting quotes, or enrolling in insurance coverage. Providing false or misleading information may result in policy cancellation, claims denial, or legal liability.
6. Intellectual Property
All content on johndouglasinsurance.com, including text, graphics, logos, and materials, is the property of John Douglas Insurance & Financial Services and may not be reproduced, distributed, or used without prior written permission.
7. Third-Party Carriers and Links
Our agency works with third-party insurance carriers and may link to their websites or portals. We are not responsible for the content, accuracy, or practices of third-party carriers or websites. Carrier products and pricing are subject to change without notice.
8. Limitation of Liability
To the fullest extent permitted by law, John Douglas Insurance & Financial Services shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website, services, or communications. Our total liability for any claim shall not exceed the amount of fees, if any, paid by you to our agency in the preceding twelve months.
9. Indemnification
You agree to indemnify and hold harmless John Douglas Insurance & Financial Services, its agents, employees, and affiliates from any claims, losses, or damages arising from your use of our services, violation of these Terms, or provision of inaccurate information.
10. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law provisions. Any disputes shall be resolved in Bay County, Florida.
11. Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Updated terms will be posted on our website with a revised effective date. Continued use of our services constitutes acceptance of the revised terms.
12. Contact
John Douglas Insurance & Financial Services
Panama City, Florida
Website: johndouglasinsurance.com