Terms & Conditions

Acceptance of Terms

Your access to and use of this website is subject to the following terms and conditions and all applicable laws. By accessing and using this site, you accept these terms and conditions without limitation or qualification. If you do not agree to these terms, you should not use this website.

Intellectual Property

Unless otherwise stated, the contents of this site, including but not limited to the text, images, graphics, and their arrangement, are the property of Physician's Disability Insurance Agency LLC. All trademarks used or referred to on this website are the property of their respective owners.

This site and its content may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without prior written consent, except that you may download, display, and print one copy of the materials on a single computer solely for your personal, non-commercial use, provided that you do not modify the material and keep intact all copyright, trademark, and other proprietary notices.

No Insurance Binding

No insurance coverage can be bound, altered, or purchased through this website. Coverage is available only after applications are completed, underwritten, and approved by an insurance carrier and the premium for that policy is paid. The information provided on this site is for general informational purposes only and does not constitute an insurance policy, binder, or contract of any kind.

Informational Purposes Only

The information provided on this site is free of charge and for informational purposes only. It does not create a professional services relationship between you and Physician's Disability Insurance Agency LLC. While we strive to keep the information current and accurate, we make no representations or warranties of any kind about the completeness, accuracy, reliability, or suitability of the information.

Nothing on this website should be construed as professional insurance, financial, legal, or tax advice. You should consult with qualified professionals regarding your specific situation before making any decisions about insurance coverage.

Third-Party Links

Links on this site may lead to services or sites not operated by Physician's Disability Insurance Agency LLC. No judgment or warranty is made with respect to such other services or sites, and we take no responsibility for them. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on linked sites is at your own risk.

SMS and Communications

By submitting a form on this website and consenting to receive communications, you agree to receive phone calls, emails, and text messages from Disability Insurance Agency related to your coverage request. Message frequency varies per user. Message and data rates may apply. Text HELP for help. Text STOP to unsubscribe at any time. Carriers are not liable for delayed or undelivered messages.

Disclaimer of Warranties

This site and its contents are provided "as is" and Physician's Disability Insurance Agency LLC makes no representation or warranty of any kind with respect to this site or any site accessible through it. We expressly disclaim all express and implied warranties including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Limitation of Liability

In no event will Physician's Disability Insurance Agency LLC be liable to any party for any direct, indirect, incidental, special, exemplary, consequential, or other damages, including but not limited to lost profits, business interruption, or loss of data, without regard to the form of action and whether in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with this site, any content on or accessed through this site, or any linked site or service.

Governing Law

You agree that these terms of use and any legal action or proceeding relating to this site shall be governed by the laws of the State of California without reference to its choice of law rules. Any dispute arising from your use of this website shall be subject to the exclusive jurisdiction of the courts located in Orange County, California.

User Submissions

You are responsible for complying with the laws of the jurisdiction from which you access this site. Unless expressly stated otherwise, any information submitted by you through this site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective when posted on this page. Your continued use of the website following any changes constitutes acceptance of the revised terms.

Contact

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

Disability Insurance Agency
31878 Del Obispo St. Suite 118-434
San Juan Capistrano, CA 92675
Phone: (800) 518-1190
Email: contact@disabilityinsurance.io