Terms and Conditions

1. Acceptance of Terms

Wolfe Insurance Specialists is owned by Douglas Wolfe. By accessing or using the website https://www.wolfeinsurancespecialists.com (the "Website") operated by Wolfe Insurance Specialists ("we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our Website or services.

2. Services Description

Wolfe Insurance Specialists provides insurance brokerage services, including but not limited to dental insurance, health insurance, and related insurance products. We act as an intermediary between you and insurance carriers to help you find suitable insurance coverage.

Important: We are insurance brokers/agents, not insurance carriers. The actual insurance policies are issued by third-party insurance companies and are subject to their terms, conditions, and underwriting requirements.

3. User Responsibilities

By using our services, you agree to:

• Provide accurate, current, and complete information when requested
• Maintain the confidentiality of any account information
• Notify us immediately of any unauthorized use of your information
• Use our Website and services only for lawful purposes
• Not attempt to interfere with or compromise the Website's security

4. SMS/Text Messaging Terms

5. Insurance Disclaimers

• Not Insurance Advice: Information provided on this Website is for general informational purposes only and should not be considered as professional insurance advice.
• No Guarantee of Coverage: Quotes and estimates provided are subject to change and do not guarantee coverage or rates. Final terms are determined by the insurance carrier.
• Policy Terms: All insurance coverage is subject to the terms, conditions, limitations, and exclusions of the actual policy issued.
• Review Your Policy: You are responsible for reviewing and understanding your insurance policy documents.

6. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Wolfe Insurance Specialists or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Wolfe Insurance Specialists shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use our services
• Any unauthorized access to your personal information
• Any interruption or cessation of our services
• Any errors or omissions in our content

8. Indemnification

You agree to indemnify, defend, and hold harmless Wolfe Insurance Specialists, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our Website or services or your violation of these Terms.

9. Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of third-party sites. We encourage you to review the terms and privacy policies of any third-party websites you visit.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Broward County, Florida.

11. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes constitutes acceptance of the new Terms.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us: