Terms of Service

These terms of service ("Terms") govern your use of the website insuranceservice365.com, operated by Direct Insurance Services ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms.

Informational Purposes

The content on this website is provided for general informational purposes only. Nothing on this site constitutes a binding insurance offer, contract, or guarantee of coverage. All information about insurance products, coverage types, and pricing is provided as a general overview and may not reflect the specific terms available to your business.

Insurance Quotes and Estimates

Any premium estimates, coverage descriptions, or pricing information displayed on this website are approximate and provided for illustrative purposes. Actual premiums, coverage terms, and availability are determined by the insurance carrier through their underwriting process and may differ from any estimates shown on this site.

Submitting a callback request or quote form does not bind coverage or create an insurance policy. Coverage is only effective when a policy is formally issued by an insurance carrier.

Our Role as Licensed Insurance Agents

Direct Insurance Services operates as a licensed insurance agency. We are licensed insurance agents, not an insurance company. We act as intermediaries between you and insurance carriers, helping you find appropriate coverage for your business needs. All insurance policies are issued by the respective insurance carriers, not by Direct Insurance Services.

Coverage availability, terms, conditions, and pricing are subject to each carrier's underwriting guidelines and approval.

User Responsibilities

By using this website and our services, you agree to:

• Provide accurate, complete, and truthful information when submitting forms or communicating with our team
• Notify us of any changes to the information you have provided
• Review all policy documents, terms, and conditions carefully before binding coverage
• Use this website only for lawful purposes related to obtaining insurance information and services

Providing inaccurate or misleading information may result in denial of coverage, policy cancellation, or claim denial by the insurance carrier.

Limitation of Liability

To the fullest extent permitted by law, Direct Insurance Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. This includes, but is not limited to, damages resulting from errors or omissions in content, loss of data, or interruption of service.

We do not guarantee that the website will be available at all times or that it will be free of errors or security vulnerabilities. We are not responsible for any decisions you make based solely on information found on this website without consulting directly with our team.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Direct Insurance Services or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites and external quote platforms. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Visiting third-party links is at your own risk.

Modifications to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the website shall be resolved in the courts of the State of Colorado.

Contact Us

If you have questions about these Terms, contact us at:

Direct Insurance Services
Email: bob@frielgoodmortgage.com
Website: insuranceservice365.com