Terms of Service

Effective Date: [08/29/2025]
Website: https://InsureWithJoshua.com
Company: Joshua Douglas Insurance Services LLC (“Company,” “we,” “us,” or “our”)

1) Acceptance of These Terms

By accessing or using the Website, you agree to these Terms of Service (“Terms”) and our Privacy Policy (incorporated by reference). If you do not agree, do not use the Website.

2) Who We Are & Licensing

Joshua Douglas is a licensed independent insurance agent. Availability of products and services varies by respective insurers and jurisdictions. Nothing on the Website constitutes an offer or binder of insurance. Coverage can not be bound or changed via the Website, email, voicemail, chat, or form submissions; coverage is effective only when confirmed in writing by a licensed agent of the applicable insurer.

Licensing & States of Operation: We currently conduct business in Florida. Services on the Website are directed only to residents of that state.

3) No Offer, No Professional Advice, & General Information Only

Content on the Website is for general informational and marketing purposes. It is not legal, tax, investment, or professional advice, nor an offer to sell insurance. Policy terms, conditions, limits, exclusions, underwriting rules, and rates are determined solely by the issuing insurer. Quotes are non-binding estimates and are subject to change or withdrawal by insurers at any time until coverage is bound.

4) Eligibility & Accounts

You must be at least 18 and capable of forming a binding contract to use interactive features. You are responsible for safeguarding your credentials and for all activities under your account. Notify us immediately of any suspected unauthorized use.

5) Acceptable Use

You agree not to: (a) violate laws or third-party rights; (b) attempt to gain unauthorized access to systems or data; (c) introduce malware or interfere with the Website; (d) scrape or harvest data except as allowed by robots.txt; or (e) use the Website for competitive intelligence, reverse engineering, or to develop a competing service.

6) Electronic Communications & E-Sign Consent

You consent to receive communications electronically (including emails, portal notices, and e-signatures) and agree that such communications satisfy any legal requirement that they be in writing. You may withdraw consent by contacting us, but doing so may limit your ability to use certain features.

7) SMS/Text Messaging Terms (Marketing & Service Alerts)

If you opt in, you consent to receive texts from us (A2P/10DLC), including marketing and service messages. Message frequency varies. Message and data rates may apply. To opt out at any time, reply STOP; for help, reply HELP. Consent is not a condition of purchasing goods or services. We maintain consent logs and honor revocations promptly. We may use third-party messaging providers; delivery is not guaranteed and depends on your carrier/network.

8) Third-Party Services & Links

The Website may link to third-party sites or integrate third-party services (e.g., quote engines, payment processors, forms). We do not control and are not responsible for third-party content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.

9) Intellectual Property

The Website and its content, including text, designs, logos, and graphics, are owned by us or our licensors and protected by law. You may make personal, non-commercial use of the Website. Any reproduction, distribution, modification, or derivative use requires our prior written consent.

10) User Content

If you submit content (e.g., forms, reviews, feedback), you represent you own or have rights to it and that it is accurate, lawful, and non-infringing. You grant us a nonexclusive, worldwide license to use, reproduce, and display your submitted content for Website operation, marketing (as permitted by law), and service delivery.

11) Privacy & Data Security

We use commercially reasonable technical and organizational measures designed to protect personal information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security of your information. You are responsible for securing your devices, networks, and credentials.

12) Hold Harmless: Unauthorized Access, Data Incidents & Malfunctions

To the maximum extent permitted by law, you agree to release, defend, indemnify, and hold harmless the Company, its owners, employees, and agents from and against all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:
(a) your use or misuse of the Website;
(b) your violation of these Terms or of law;
(c) your content or submissions;
(d) any unauthorized access to or use of the Website, your account, or our systems by a third party that is not caused solely by our gross negligence or willful misconduct; and
(e) service interruptions, bugs, or malfunctions of the Website or third-party services we use.
This Section does not require you to indemnify us for our sole gross negligence or willful misconduct.

13) Disclaimers

THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. INFORMATION ON THE WEBSITE MAY BE OUT OF DATE OR INCOMPLETE. INSURANCE AVAILABILITY, RATES, AND TERMS ARE SUBJECT TO INSURER RULES AND UNDERWRITING.

14) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE, OR SYSTEM FAILURE, EVEN IF ADVISED OF THE POSSIBILITY.
IN NO EVENT WILL OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS EXCEED THE GREATER OF (A) USD $100, OR (B) THE AMOUNTS YOU PAID US (IF ANY) IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY. Some jurisdictions do not allow certain limitations; in those cases, the limitations apply to the maximum extent permitted.

15) Insurance-Specific Disclosures

(a) No Binding via Website: Coverage cannot be bound, added, altered, or changed via the Website or electronic communications unless and until confirmed in writing by a licensed agent.
(b) Insurer Controls: All policies are issued by third-party insurers; policy language controls over any Website summaries.
(c) State Restrictions: Products may be unavailable, withdrawn, or changed without notice and are offered only in states where we and the insurer are properly licensed/appointed.
(d) Claims & Emergencies: Do not use the Website to report emergencies. For claims or urgent matters, call your carrier and/or the appropriate emergency services.

16) Copyright/DMCA Notice

We respect intellectual property rights. If you believe content on the Website infringes your copyright, send a notice with the information required by 17 U.S.C. §512(c)(3) to our designated agent:
DMCA Agent: Joshua Douglas
Email: Sales@InsureWithJoshua.com
We may remove content and terminate repeat infringers.

17) Dispute Resolution; Arbitration; Class-Action Waiver

PLEASE READ CAREFULLY: You and we agree to resolve any dispute or claim arising out of or relating to these Terms or the Website by binding, individual arbitration under the Federal Arbitration Act (FAA). Either party may bring an individual action in small-claims court. Class and representative actions are not permitted.

Rules & Venue: Arbitration will be administered by either the American Arbitration Association (AAA) or JAMS (Judicial Arbitration and Mediation Services), both nationally recognized arbitration providers, under their applicable consumer rules. The seat of arbitration is Polk County, Florida (or remote at the arbitrator’s discretion).
Opt-Out: You may opt out of arbitration by emailing Sales@InsureWithJoshua.com within 30 days of your first use of the Website with your name, contact information, and a clear statement opting out.
This Section survives termination.

18) Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, and the Federal Arbitration Act for arbitration issues.

19) Changes to the Website or Terms

We may modify the Website or these Terms at any time. If we make material changes, we will update the Effective Date and may provide additional notice. Your continued use after changes become effective constitutes acceptance.

20) Termination

We may suspend or terminate access to some or all of the Website at any time for any reason. Sections that by their nature should survive (including 11–19) survive termination.

21) Miscellaneous

These Terms are the entire agreement between you and us regarding the Website and supersede prior agreements. If any provision is unenforceable, the remainder remains in effect. No waiver is effective unless in writing. You may not assign these Terms without our consent.

22) Contact Us

Joshua Douglas Insurance Services LLC
Email: Sales@InsureWithJoshua.com
Phone: (863) 216-7511