Terms and Conditions

The following Terms of Use cover your use of this website (the “Site”) operated by D’Andre Insurance Group (“D’Andre Insurance Group”).

By using the Site, you agree to these terms (the "Agreement").

PLEASE READ THIS AGREEMENT CAREFULLY. IF YOU DO NOT WISH TO BE BOUND BY THIS AGREEMENT, DO NOT INDICATE YOUR ACCEPTANCE, AND DO NOT USE THE SITE.

THIS AGREEMENT WAS LAST MODIFIED ON: March 21, 2018.

TERMS OF USE

Product Pricing and Availability

Information, including product pricing and availability, may be changed or updated without notice. D’Andre Insurance Group and its subsidiaries reserve the right to refuse service, terminate accounts, and/or cancel orders in its sole discretion, including, without limitation, if D’Andre Insurance Group believes that customer conduct violates applicable law or is harmful to the interests of D’Andre Insurance Group and its subsidiaries.

Sales Tax

D’Andre Insurance Group charges sales tax for merchandise ordered on the Site based on the applicable state sales tax rate and the location to which the order is being shipped.

Return Policy

Given the nature of insurance procurement, research, and consultative engagements, which D'Andre Insurance Group provides, there is no return policy. For insurance policy cancellation, please contact your insurance agent at D'Andre Insurance Group companies. The sale of all materials available on the site are final, and refunds are not available.

Intellectual Property

All text, graphics, information, content, and other material displayed on or that can be downloaded from the Site are protected by copyrights, trademarks, service marks, or other proprietary rights which are either owned by D’Andre Insurance Group, or owned by other parties.  You shall not delete or alter any copyright, trademark or other proprietary rights notices from such materials or any other materials available on the Site.  No right, title or interest in or to the Site or any content available on the Site is transferred to you, and all rights not expressly granted herein are reserved by D’Andre Insurance Group.  You may not copy, reproduce or otherwise use any such materials except as permitted under this Agreement or with the prior written permission of D’Andre Insurance Group.

Materials purchased from the Site are for your personal use only and may not be distributed to third-parties or publicly displayed.

Digital Millennium Copyright Act Policy (Copyright Infringement Notice)

It is the policy of D’Andre Insurance Group to respond expeditiously to claims of intellectual property infringement.  D’Andre Insurance Group will promptly process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act ("DMCA") and other applicable intellectual property laws.  Upon receipt of notices complying or substantially complying with the DMCA, when it is under its control, D’Andre Insurance Group will act expeditiously to remove or disable access to any material claimed to be infringing or claimed to be the subject of infringing activity and will act expeditiously to remove or disable access to any reference or link to material or activity that is claimed to be infringing.  D’Andre Insurance Group will terminate access for repeat infringers.

If you believe that a copyrighted work has been copied and is accessible on our site in a way that constitutes copyright infringement, you may notify us by providing our registered copyright agent with the following information:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • a description of the copyrighted work that you claim has been infringed;
  • a description of where the material that you claim is infringing is located on the site;
  • your address, telephone number, and e-mail address;
  • a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  • a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Notices of claimed infringement should be directed to [email protected] When D’Andre Insurance Group removes or disables access to any material claimed to be infringing, D’Andre Insurance Group may attempt to contact the user who has posted such material in order to give that user an opportunity to respond to the notification.  Any and all counter notifications submitted by the user will be furnished to the complaining party.  D’Andre Insurance Group will give the complaining party an opportunity to seek judicial relief in accordance with the DMCA before D’Andre Insurance Group replaces or restores access to any material as a result of any counter notification.

DISCLAIMER OF WARRANTY

YOU UNDERSTAND AND AGREE THAT THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU EXPRESSLY AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK.

TO THE FULLEST EXTENT PERMISSIBLE UNDER THE APPLICABLE LAW, D’ANDRE INSURANCE GROUP AND ITS AFFILIATES DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF TITLE, OR IMPLIED WARRANTIES OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, NEITHER D’ANDRE INSURANCE GROUP NOR ANY OF ITS AFFILIATES, NOR ANY OF THEIR OFFICERS, DIRECTORS, LICENSORS, EMPLOYEES OR REPRESENTATIVES REPRESENT OR WARRANT (i) THAT THE SITE, INCLUDING CONTENT THEREON, WILL MEET YOUR REQUIREMENTS OR BE ACCURATE, COMPLETE, RELIABLE, OR ERROR FREE; OR (ii) THAT THE SITE WILL ALWAYS BE AVAILABLE OR WILL BE UNINTERRUPTED, ACCESSIBLE, TIMELY, OR SECURE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS, WHICH VARY FROM JURISDICTION TO JURISDICTION.

LIMITATION OF LIABILITY

IN NO EVENT SHALL D’ANDRE INSURANCE GROUP, OR ANY OF ITS AFFILIATES, OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, INFORMATION PROVIDERS OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES (REGARDLESS OF THE FORM OF ACTION) ARISING OUT OF USE OF THE SITE BY ANY PERSON. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS OR EXCLUSIONS SO THEY MAY NOT APPLY TO YOU.

CHANGES TO THIS AGREEMENT

D’Andre Insurance Group may modify the terms and conditions contained in this Agreement at any time.

NOTICE OF MATERIAL CHANGES TO THIS AGREEMENT WILL BE POSTED ON THIS SITE BEFORE THEY BECOME EFFECTIVE. YOU ARE RESPONSIBLE FOR REVIEWING ANY APPLICABLE CHANGES.

WHENEVER THIS AGREEMENT IS MODIFIED, THE DATE OF THE MODIFICATION WILL APPEAR IN THE FIRST SECTION OF THIS AGREEMENT, ABOVE.

YOU AGREE THAT YOUR CONTINUED USE OF THE SITE FOLLOWING ANY CHANGES TO THIS AGREEMENT AND AFTER THE CHANGES TAKE EFFECT WILL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES.

IF YOU DO NOT AGREE TO ANY CHANGE TO THIS AGREEMENT, DO NOT CONTINUE TO USE THE SITE AFTER THE EFFECTIVE DATE OF SUCH CHANGE.

MISCELLANEOUS PROVISIONS

Void Where Prohibited

Although the information on this Site is accessible worldwide, not all products or services discussed in the Site are available to all persons or in all geographic locations or jurisdictions. D’Andre Insurance Group reserves the right to limit the provision of its products or services to any person, geographic area, or jurisdiction it so desires and to limit the quantities of any products or services that it provides. Any offer for any product or service made in the materials on this Site is void where prohibited.

Applicable Law; Jurisdiction and Venue

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of laws, and you hereby consent to the exclusive jurisdiction of the state and federal courts sitting in the Southern District of Florida.

Entire Agreement

This Agreement constitutes the complete agreement and understanding between the parties with respect to the subject matter hereof, and supersedes all prior agreements and understandings between the parties.

Severability

If any provision of this Agreement shall be deemed unlawful, invalid, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining terms.

No Waiver

D’Andre Insurance Group’s failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of D’Andre Insurance Group’s right to subsequently enforce such provisions or any other provisions of this Agreement. No waiver of any provision of this Agreement shall be effective unless in writing.