Terms & Conditons
Terms and Conditions of Use
This document outlines the Terms and Conditions relating to your use of davisphillips.com (“Website”) and provides additional information about Davis Insurance Agency, Inc. dba DP Insurance Solutions, and their affiliates and subsidiaries (collectively known as “Davis Insurance”).
Changes to this document
The content of this site and of these Terms and Conditions are subject to change without prior notice. We reserve the right, in our sole discretion, to change, add or modify any portion of these terms and conditions at any time by posting new Terms and Conditions on the Website. Your continued use of the Website after such changes are posted will constitute your agreement to such changes.
Your consent
These Terms and Conditions are applicable to your use of this site regardless of how you accessed it. If you do not wish to be bound by these Terms and Conditions or changes to theses Terms and Conditions, please discontinue using and accessing this site immediately. These Terms and Conditions apply to your use of this site and do not change or alter any other contract or agreement between you and Davis Insurance.
Privacy Policy
Our Privacy Policy describes our use and protection of nonpublic personal information ("customer information") and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Policy.
Modifications to the Website
We reserve the right, for any reason, in our sole discretion, to terminate, suspend or change any aspect of the Website including but not limited to content, features, or hours of availability. We may impose limits on certain features of the Website or restrict your access to part or all of the Website without notice or penalty.
Your use of this Website
You will not use this Website to engage in any illegal activity. You will not use this Website to engage in conduct which is defamatory, libelous, threatening or harassing, or that infringes on a third party's intellectual property or other proprietary rights.
You will not upload, post, transmit, distribute or otherwise publish through the Website any materials which: (a) are unlawful, threatening, harassing, libelous, defamatory, pornographic or profane; (b) restrict or inhibit any other user from using or enjoying the Website; (c) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability; or (d) contain a virus or other harmful component, advertising of any kind, or false of misleading indications or origin or statements of fact.
You agree that any information you provide through this site will be truthful and accurate. We reserve the right to require a customer change their Customer ID if deemed inappropriate at our sole discretion and judgment.
Emails to Davis Insurance addresses
Our email system is a private email system intended only for purposes authorized by us. You are not authorized to send unsolicited commercial email messages to any email addresses at @davisphillips.com, @dpinsurancesolutions.com, @davisinsagency.com, @davisdifference.com or @davisinsuranceonline.com. We reserve the right to take actions as may be necessary to prevent misuse of its email system by unauthorized parties.
Secured areas and passwords
Some portions of this Website are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.
If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. We will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, immediately contact us loyd@davisdifference.com. We will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.
Intellectual Property Rights
The Davis-Phillips “DP” logo, the terms "Davis-Phillips Insurance Solutions", "DP Insurance Solutions," and the phrases "Experience the DP Difference”, as well as all logos and graphics using the Davis Insurance name are the intellectual property of and/or federally registered trademarks/servicemarks owned by Davis Insurance and its affiliated organizations. We may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of Davis Insurance and are protected by copyright or other intellectual property laws.
Davis Insurance reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.
You are not authorized to use any portion of this Website or any other Davis Insurance intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this Website's content or frame this Website within any other site.
Links to and from other sites
For your convenience, we may provide links to other Internet sites that we do not maintain. You should not interpret any link to/from other sites as indicating that we sponsor or endorse the sites or their materials or that the sites are affiliated with us in any manner. We are not responsible for anything contained on such sites and we make no warranties or representations about the contents, products or services offered on such sites. We are not responsible for and make no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this Website.
Availability of products and services
Davis Insurance does business in certain states in the United States of America, including Texas, Arkansas, Louisiana, Oklahoma, New Mexico, Arizona, Colorado, and Florida. Our headquarters is located in Lufkin, TX.
Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services and we reserve the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements. The portions of this site related to such products and services provide additional information about terms, conditions, representations, agreements, eligibility and availability.
Insurance quotes and coverages
At this time, on-line quotes may not be available for all states, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Davis Insurance, please contact an agent.
All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Davis Insurance. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state. For additional information, please contact an agent.
Online claims submissions
If you are a Davis Insurance customer, you may elect to report an insurance claim online where available. Your submission does not commit us to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. We reserve the right to request additional information prior to reaching a decision on the claim. A claim representative will be communicating with you regarding your claim. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your agent.
DISCLAIMER OF WARRANTIES
ANY INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS ON THIS SITE ARE PROVIDED "AS IS" “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DAVIS INSURANCE DOES NOT WARRANT THAT THE SITE OR THE FUNCTIONS, FEATURES OR CONTENT CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. ANY RISK ARISING OUT OF USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS REMAINS ENTIRELY WITH YOU. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY DAMAGES WHATSOEVER ARISING OUT OF THE USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO CERTAIN USERS. IN SUCH JURISDICTIONS, THE COMPANY'S WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW.
LIMITATION OF LIABILITY
IN NO EVENT SHALL DAVIS INSURANCE OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR INABILITY TO USE, THE WEBSITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO EVEN IF DAVIS INSURANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO CERTAIN USERS. IN SUCH JURISDICTIONS, THE COMPANY'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnification
You agree to defend, indemnify and hold Davis Insurance, and its officers, directors, employees, agents, licensees, successors and assigns harmless from and against any and all claims, losses, damages, liabilities, costs and expenses (including reasonable attorneys’ fees) incurred or suffered by them in connection with any claim arising out of or related to: (a) your use of the Website; (b) your breach or violation of these Terms and Conditions; (c) your dispute with another user; or (d) the unauthorized access to any password-protected area of the Website or third-party website using your password. Davis Insurance reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle or otherwise dispose of any matter without the prior written consent of Davis Insurance.
Applicable law, severability, and waivers
These Terms and Conditions shall be governed by and interpreted according to the laws of the State of Texas without respect to any conflict of laws provisions. Any controversy involving Davis Insurance arising from or in any way related to these Terms and Conditions or your use of the Website shall be heard in the appropriate State or Federal court in Angelina County, Texas and you irrevocably consent to the jurisdiction of such courts. If any portion of these Terms and Conditions is deemed unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.
The failure by either you or Davis Insurance to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. You agree that any cause of action arising out of or related to the Website or these Terms and Conditions must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred. This agreement comprises the entire agreement between you and Davis Insurance, and supersedes all prior agreements between the parties regarding the subject matter contained herein. All provisions in these Terms and Conditions regarding representations and warranties, indemnification, disclaimers, and limitation of liability shall survive the termination of these Terms and Conditions.
Termination
These Terms and Conditions constitute a binding agreement between you and Davis Insurance until terminated by you or Davis Insurance, which Davis Insurance may do at any time, without notice, in its sole discretion. If you become dissatisfied with the Website, your only recourse is to immediately discontinue use of the Website.
State Licensing Information
Davis Insurance Agency, Inc. dba DP Insurance Solutions is a corporation organized under the laws of the State of Texas and licensed in Texas (#1816), Arkansas (#280577), Louisiana (#318866), Oklahoma (#14419), Florida (#L044681), Arizona (#908710), and Colorado (#312139).
Contact information
If you have any questions about these Terms of Use, the practices of this website, or your dealings with this website, you may contact us at:
7304 SW 34th St (#4)
Amarillo, TX 79121
Email: loyd@davisdifference.com
Telephone: 806-322-1681
