Terms and Conditions

1. Acceptance of Terms

By accessing or using the Durkee Advanced Planning, LLC, d/b/a Durkee Insurance website (“Website”), you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use this Website.

2. Changes to Terms

We reserve the right to modify or update these Terms at any time. Updates will be posted on this page. Continued use of the Website after any changes signifies your acceptance of those changes.

3. Use of the Website

You agree to use this Website only for lawful purposes in compliance with all applicable laws. Unauthorized use or access may give rise to a claim for damages and/or be a criminal offense.

4. Intellectual Property

All content, trademarks, logos, and graphics are the intellectual property of Durkee Advanced Planning, LLC, d/b/a Durkee Insurance or its licensors. You may not reproduce, copy, or redistribute any materials without written consent.

5. Disclaimer

The Website provides general information only and does not constitute legal, financial, or medical advice. You assume full responsibility for any reliance on such information.

6. Insurance Quotes and Information Not Binding

Any insurance quotes, rate estimates, coverage descriptions, or other information provided on this Website are for general informational purposes only and do not constitute an offer, binder, or contract of insurance. Coverage is not in effect, bound, or guaranteed until confirmed in writing by the applicable insurance carrier and any required premium payment has been received. Final eligibility, rates, and coverage terms are determined solely by the insurance carrier underwriting the policy.

7. Limitation of Liability

Durkee Insurance shall not be liable for any direct or indirect damages arising from your use of this Website, including but not limited to loss of data, profits, or business opportunities.

8. Third-Party Links

We may include links to external sites for your convenience. These sites operate independently and are not under our control. We are not responsible for their content or privacy practices.

9. Termination

Durkee Insurance may suspend or terminate access to the Website at any time without notice for conduct that we believe violates these Terms or is harmful to other users or our business.

10. Compliance with Laws

You are solely responsible for complying with all local, state, and federal laws applicable to your use of this Website, including insurance advertising and solicitation regulations.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws principles. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the state and federal courts located in Virginia.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed, and the remaining provisions shall continue in full force and effect.

13. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your information.

14. Accessibility Statement

Durkee Insurance is committed to providing a digitally accessible experience to all users. If you encounter accessibility barriers, please contact us for assistance.

15. Contact Us

If you have any questions about these Terms and Conditions, you may contact us through our Website or at the mailing address provided therein.