Terms of Use

  1. General
    This Terms of Use Agreement (“Agreement”) governs your access and use of the website and insurance quote engine located at www.bogeyinsurance.com (collectively, the “Website”). By accessing, browsing, and using this Website, you (“you” or “User”) agree that you have read, understood, and accept this Agreement. Please read it carefully and contact us at service@bogeyinsurance.com if you have any questions. If you do not agree with any part of this Agreement, you may opt out by closing the Website.

  2. Privacy
    Our privacy policy, (Privacy Policy found here), outlines:

  • The information we collect from you when you visit and use our Website,

  • How we share it, and

  • How we use it.

It forms a part of this Agreement and is hereby incorporated by reference. By using the Website, you consent to our Privacy Policy and the collection, use, and sharing of information as described therein. Additionally, you acknowledge that Internet transmissions are never completely private or secure.

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Bogey Insurance Agency. This includes SMS messages for appointment scheduling, appointment reminders, post-visit instructions, lab notifications, and billing notifications. Message frequency varies. Message and data rates may apply. See privacy policy at https://www.bogeyinsurance.com/privacy-policy. Message HELP for help. Reply STOP to any message to opt out.

Representations about the User
You understand that providing incorrect or incomplete information may affect the value of the Website to you. By using this Website, you represent that:

  • You have the legal authority and are of sufficient age to enter into this Agreement.

  • You will not impersonate or misrepresent yourself as another individual or entity.

  • The information you provide will be current, true, accurate, supportable, and complete.

  • You are at least 13 years old, as the Website is not designed for children under 13, and we do not intentionally collect personal information from children through our Website.

  • If you are between 13 and 18 years of age, you must review this Agreement with a parent or guardian to ensure both of you understand and agree to it.

    User Acknowledgements
    Unless you are an insurance broker, insurance agent, or other insurance professional (“Service Provider”), or if you purchase a specific service through the Website, we do not charge a fee for using the Website. Service Providers may pay fees to be matched with users of the Website. However, we are not involved with or responsible for any fee arrangements you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. Except where prohibited by law, we will not be liable for any losses, costs, damages, or claims in connection with your use of a Service Provider’s products or services, including any fees charged by a Service Provider.

    Intellectual Property
    The content of this Website is protected by law, including but not limited to United States copyright law, trademark law, and applicable international treaties. We reserve all rights to the Website. If you provide comments, suggestions, ratings, or other feedback (“Feedback”) regarding the Website or your experience, you agree that we may use this Feedback for any purpose without restriction or obligation. You are permitted to use the information provided on or via the Website solely for your personal, non-commercial use, provided that none of the content is modified, and any legal notices are retained. You may not mirror, copy, reproduce, distribute, or use the content of this Website without our express prior written consent.

    Restrictions on Use
    You may not rent, lease, lend, sell, redistribute, reproduce, or sublicense the Website. You may not copy, decompile, reverse-engineer, disassemble, or create derivative works of the Website or any part of it. If these restrictions are prohibited by law or by an agreement with one of our licensors, then such activities are permitted only as necessary to comply with such law or license(s). You may not exploit or interfere with the Website in any unauthorized or unlawful way, including burdening its network infrastructure.

    Limitations on Availability
    The Website is operated from the United States and may not be available in all languages or countries. We make no representation that the Website is available or permitted in any particular location. Use of the Website is void where prohibited. You use the Website at your own initiative and are responsible for complying with applicable laws. We may also impose limits on access to the Website as required by law.

    Third-Party Offerings
    We provide a tool to help you obtain estimates, quotes, and information from third-party product and service providers. We are not responsible for the availability of these Service Providers or their offerings. We do not guarantee the quotes, fees, terms, rates, coverage, or services provided by Service Providers. We do not verify or validate the qualifications or licensing of Service Providers. It is your responsibility to investigate any Service Providers before engaging with them. You acknowledge and agree that Service Providers are solely responsible for their products or services and that we will not be liable for any losses, costs, damages, or claims arising from your use of their services. We always recommend consulting with qualified professionals before making insurance decisions.

    Communications Regarding Your Insurance Needs
    By providing your email address, phone number, or both on the Website, you authorize us and our associated insurance providers to contact you via email, phone, or text about:

  • Your insurance needs or quote requests,

  • Any issues regarding our services, and/or

  • Information or offers you may be interested in, including responses to quotes you’ve requested.

We may contact you using automated systems, including prerecorded voice messages or text messages. Message and data rates may apply. Your consent is not a condition of purchase, and you may contact us directly at 239-790-4447 for more information.

You can withdraw your consent to be contacted at any time by following these steps:

  • To stop receiving emails, unsubscribe using the link in any email.

  • To stop receiving text messages, text STOP to the phone number we used to contact you.

If your phone number changes, you agree to notify us so we can update our records.

By clicking “I Accept” to provide your email address, you consent to receive commercial emails from us or our partners.

Disclaimer of Warranty
The Website and its content are provided on an “as is” and “as available” basis. All warranties, whether express or implied, are disclaimed to the fullest extent permitted by law, including:

  • Implied warranties of merchantability,

  • Fitness for a particular purpose, and

  • Accuracy or non-infringement.

You use the Website and its services at your own risk.

Limitation of Liability
We are not liable for any indirect, consequential, special, incidental, or punitive damages, including lost profits, arising from your use of the Website, even if we have been advised of the possibility of such damages. Our aggregate liability for any claims will be limited to the amount you paid for use of the Website. Some jurisdictions do not allow limitations on damages, so these restrictions may not apply to you.

Modifications
We may modify this Agreement at any time by posting a new version on the Website or notifying you of the changes. By continuing to use the Website, you agree to be bound by the revised Agreement.

U.S. Government Restricted Rights
The content of this Website is provided with “Restricted Rights.” Use, duplication, or disclosure by the United States Government is subject to restrictions as set forth in applicable laws and regulations.

Governing Law and Choice of Forum
This Agreement is governed by the laws of the state of Florida, without regard to conflict of law principles. Any dispute related to this Agreement shall be resolved in the state or federal courts located in Collier County, Florida.

Miscellaneous
If any provision of this Agreement is found to be invalid, it will be enforced to the fullest extent allowed by law. This Agreement may not be modified except in writing. Failure to enforce any provision of this Agreement does not waive our right to do so in the future. Any legal claims must be brought within one (1) year from the date the cause of action arises. Reasonable attorney’s fees may be awarded to the prevailing party in litigation. The section headings are for convenience only and do not affect the meaning of the provisions.