Terms & Conditions

1. Acceptance of Terms

By using this website, submitting forms, or requesting insurance quotes, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. These terms apply to all visitors, users, and others who access or use the website.

2. Description of Services

This website provides information about the insurance products and services offered by Darlene Baxter Insurance Agency. Through our website, you may:

• Request insurance quotes for auto, home, fire, life, and specialty coverage
• Submit contact inquiries to our agency
• Learn about insurance products and coverage options
• Access our agency contact information and office hours

3. Quotes Are Not Binding

4. User Responsibilities

When using our website and submitting information, you agree to:

• Provide accurate, current, and complete information on all forms
• Not submit information on behalf of another person without their authorization
• Not use false or misleading information when requesting quotes
• Promptly notify us if any information you have provided changes or is inaccurate

Providing false or misleading information may result in denial of coverage or cancellation of an insurance policy.

5. Eligibility

You must be at least 18 years of age to submit forms or request insurance quotes through this website. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into binding agreements.

6. Intellectual Property

All content on this website, including text, images, logos, design elements, and software, is the property of Darlene Baxter Insurance Agency or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

7. Acceptable Use

You agree not to use this website to:

• Submit spam, automated, or bot-generated form submissions
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the operation of the website
• Scrape, crawl, or harvest content or data from the website for commercial purposes
• Transmit any malicious code, viruses, or harmful content
• Impersonate any person or entity or misrepresent your affiliation

8. Disclaimers

9. Limitation of Liability

To the fullest extent permitted by applicable law, Darlene Baxter Insurance Agency, its owner, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, including but not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of this website shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Darlene Baxter Insurance Agency, its owner, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of this website, your violation of these Terms & Conditions, or your violation of any rights of a third party.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from or related to these terms or your use of this website shall be resolved in the state or federal courts located in Contra Costa County, California.

12. Electronic Communications

By providing your email address and submitting a form through this website, you consent to receive electronic communications from us, including quote confirmations, reference numbers, follow-up communications regarding your inquiry, and other transactional messages related to the services you requested. You may withdraw your consent to receive electronic communications at any time by contacting us using the information in the Contact Us section below. Withdrawal of consent will not affect the validity of any communications sent prior to your withdrawal.

13. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, acts of government, internet or telecommunications failures, power outages, equipment or transmission failures, insurance carrier system outages, cyberattacks, or other events of similar nature.

14. Severability

If any provision of these Terms & Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Darlene Baxter Insurance Agency regarding your use of this website and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, between you and the agency relating to the subject matter herein.

16. Changes to These Terms

We reserve the right to update or modify these Terms & Conditions at any time. When we make changes, we will update the “Last Updated” date at the top of this page. Continued use of the website after any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

17. Contact Us

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