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Terms of Use

This outline explains terms of use for the Duncan & Associates Insurance Brokers web sites. The Terms and Conditions of Use Agreement (“Terms of Use”) constitutes a binding agreement between you and Duncan & Associates Insurance Brokers. Your access to and use of the Sites is subject to these Terms of Use and all applicable laws. You should read the entire Terms of Use and Privacy Policy for complete details. By accessing this web site or any of the web sites owned or controlled by Duncan & Associates Insurance Brokers(each a “Site” and collectively the “Sites”) you agree to be bound by these Terms of Use. Any content or information you submit to Duncan & Associates Insurance Brokers, through the Duncan & Associates Insurance Brokers blog, newsletter, or testimonial surveys via emails, or otherwise, becomes the property of Duncan & Associates Insurance Brokers. If you do not acknowledge and agree to these Terms of Use, then do not enter your information, do not use our Sites, and do not rely upon discussion points or any information discussed within our sites. These Terms of Use may be changed by us from time to time without notice to you, and the latest version will be posted on this Site.

All rights are reserved. No part of the Site and no Content may be copied, reproduced, republished, uses, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, Web site or other medium for publication or distribution or for any commercial enterprise, without the Duncan & Associates Insurance Brokers express prior written consent. This includes, but is not limited to: All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork, information, and computer code (collectively, “Content”),audio files, including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Site is owned, controlled or licensed by or to Duncan & Associates Insurance Brokers and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws. Any and all violations will be dealt with to the fullest extent of international copyright law.

It is our intention to provide educational information about general insurance matters. The content found on this web site should not be relied upon to make decisions about insurance.  Duncan & Associates Insurance Brokers assumes no responsibility and shall have no liability, consequential or otherwise. You should seek the advice of a competent licensed insurance agent  or other advisor who is familiar with insurance rules and laws, conditions and terms and exclusions of coverage that are applicable to the state in which you live or reside, or may travel to.

The author or guest writers assume no responsibility for errors and omissions of content found on this web site or any affiliated third party site that is linked, associated, or adjoined to this site. The reader assumes all responsibility as Insurance laws and regulations can change, or the interpretation of said laws, regulations, terms and conditions of policy language can be overturned, suspended, or made invalid; In addition insurance companies may change policy language, coverage options, terms and conditions and exclusions. You should take time to thoroughly examine your insurance policies to become familiar with the terms and conditions and exclusions. The reader assumes all risk in matters discussed within these forums.

Duncan & Associates Insurance Brokers is a licensed insurance agency operating in a number of states within the Unites States of America.

By submitting any quote request, you authorize Duncan & Associates Insurance Brokers, its agents and representatives to complete insurance quotes for you in the states in which we are licensed to sell insurance. With an insurance quote request, insurance companies will determine pricing and eligibility based on various reports that will be obtained including, but not limited to, motor vehicle reports, accident reports, and a consumer report or credit score from a consumer reporting agency. (Also known as a credit bureau) Requesting a quote through this online quote request system, or by telephone, or by email, or by any means gives Duncan & Associates Insurance Brokers or their representative’s permission and any 3rd party marketing organization or agent or company recipient to run the necessary reports to determine your insurance rates and eligibility for coverage.

All information you submit will be used by third parties to evaluate your insurability and rates and we trust our third party providers to protect your information. In the event there is a security breach and some of your information is stolen or inadvertently disclosed then we will investigate further dealings with that third party service provider, provide you with the information we learn, and you will only look to the third party for any damages or loss you suffer.

By requesting an insurance quote you understand you are extending an express invitation for insurance agents to contact you by any means provided on your quote request, including your phone numbers and email addresses. If you choose to purchase a policy from a particular agent, any further communications with that agent are not covered under these Terms of Use.

Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services. We request or expect each such third-party to take industry protective security measures.  Any breach of said security is the sole responsibility of that third party company, you agree to hold Duncan & Associates Insurance Brokers harmless from all related loss and cost and Duncan & Associates Insurance Brokers is not responsible for any acts intentional or otherwise from any third party company.