Welcome to DMR Insurance. By accessing our website at dmrinsurance.com or using our services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not access our website or use our services. These Terms and Conditions constitute a legally binding agreement between you and DMR Insurance. Please read them carefully before using our services.
To use our services, you must be at least 18 years of age, be a legal resident of the United States, have the legal capacity to enter into a binding contract, provide accurate and complete information when requested, and comply with all applicable laws and regulations. When you create an account with us, you agree to provide accurate, current, and complete information, maintain and promptly update your account information, keep your password secure and confidential, accept responsibility for all activities under your account, and notify us immediately of any unauthorized use of your account.
The quotes we provide are estimates based on the information you submit. Final premium amounts may vary depending on underwriting review, property inspection, and verification of information. A quote does not constitute an offer or guarantee of coverage. Insurance policies are subject to approval by our underwriting team and partner insurance carriers. We reserve the right to decline coverage or modify terms based on risk assessment and eligibility criteria.
As a policyholder, you are responsible for providing truthful and accurate information during the application process, paying premiums on time to maintain coverage, notifying us of changes to your property or circumstances that may affect coverage, complying with all policy terms and conditions, and reporting claims promptly and cooperating with the claims process.
All content on our website, including text, graphics, logos, images, software, and design elements, is the property of DMR Insurance or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, or distribute our content without permission, modify or create derivative works from our materials, use our trademarks or branding without authorization, remove copyright or proprietary notices from our content, or reverse engineer or decompile any software on our website.
You agree not to engage in any of the following activities: violating any applicable laws or regulations, providing false or misleading information, impersonating another person or entity, attempting to gain unauthorized access to our systems, transmitting viruses, malware, or harmful code, interfering with the proper functioning of our website, scraping or harvesting data from our website, using our services for fraudulent purposes, or harassing, threatening, or abusing our staff or other users.
Insurance premiums and other fees must be paid according to the terms specified in your policy documents. Payment methods may include credit card, debit card, electronic funds transfer, or other approved methods. Failure to pay premiums on time may result in policy cancellation or lapse of coverage. You are responsible for any fees associated with failed or returned payments. Cancellation of your policy may leave you without insurance coverage. Always ensure your premiums are paid on time to maintain continuous protection.
You may cancel your insurance policy at any time by contacting us in writing. Cancellation will be effective on the date specified in your notice or as required by law. You may be entitled to a pro-rata refund of unearned premiums, subject to state regulations and policy terms. We reserve the right to cancel your policy for reasons including, but not limited to, non-payment of premiums, material misrepresentation or fraud, substantial increase in risk, failure to comply with policy terms, or loss of eligibility for coverage.
To the fullest extent permitted by law, DMR Insurance and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, loss of profits, revenue, data, or business opportunities, damages resulting from errors, omissions, or inaccuracies in our website content, interruptions or delays in service, or actions or omissions of third-party insurance carriers. Our total liability to you for any claim arising from the use of our services shall not exceed the amount of premiums you have paid to us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless DMR Insurance and its affiliates from any claims, damages, losses, liabilities, and expenses, including legal fees, arising from your violation of these Terms and Conditions, your use or misuse of our services, your violation of any law or regulation, your violation of the rights of any third party, or any false or misleading information you provide.
Any disputes arising from these Terms and Conditions or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in class actions or class arbitrations. Arbitration shall take place in Golden, Colorado, and shall be governed by the laws of the State of Colorado, excluding its conflict of law provisions.
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. Any legal action or proceeding arising under these terms shall be brought exclusively in the courts located in Golden, Colorado.
We reserve the right to modify or update these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes your acceptance of the revised terms. We encourage you to review these Terms and Conditions periodically to stay informed of any updates.
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
These Terms and Conditions, together with our Privacy Policy and any insurance policy documents, constitute the entire agreement between you and DMR Insurance regarding the use of our services and supersede all prior agreements and understandings.
If you have questions or concerns about these Terms and Conditions, please contact us at DMR Insurance, 350 Indiana St, Ste. 550, Golden, CO 80401. You can also reach us by email at [email protected] or by phone at +1 (720) 893-4662.