TERMS & CONDITIONS

Effective Date: September 1, 2025

Welcome to the website of The Davis Agency, owned and operated by Bruce Davis, a licensed Medicare Insurance Specialist. By using this website, you agree to the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using this website ("Site"), you agree to be bound by these Terms and Conditions, and our Privacy Policy. If you do not agree, please do not use the Site.

2. Who We Are

This Site is operated by Bruce Davis, doing business as The Davis Agency (“we,” “us,” or “our”), a U.S.-based insurance broker specializing in Medicare insurance services. The Site is intended for use by individuals located in the United States.

3. Purpose of the Website

The purpose of this Site is to:

Provide information about Medicare insurance services;

Enable users to contact Bruce Davis for consultations;

Allow users to submit their contact information;

Allow users to schedule appointments via an integrated calendar system.

Use of this Site does not create an agent-client relationship unless and until a formal agreement is executed.

4. No Guarantee of Coverage or Results

This Site provides general information only. The Davis Agency does not guarantee that you will qualify for any specific insurance product or coverage. All insurance applications are subject to underwriting, eligibility requirements, and approval by the respective insurance carrier.

5. User Responsibilities

By using this Site, you agree that you will:

Provide accurate and truthful information when submitting forms;

Use this Site only for lawful purposes;

Not attempt to gain unauthorized access to any part of the Site or its systems;

Not transmit any harmful code or viruses.

6. Intellectual Property

All content on this Site—including text, graphics, logos, and images—is the property of Bruce Davis or is used with permission. You may not copy, distribute, modify, or reproduce any part of the Site without express written consent.

7. Links to Third-Party Sites

This Site may contain links to third-party websites (e.g., calendaring or insurance carrier platforms). These sites are not under our control, and we are not responsible for the content or practices of those websites. Use them at your own risk.

8. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any content or services provided through the Site.

9. Limitation of Liability

To the fullest extent permitted by law, The Davis Agency and Bruce Davis shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Site.

10. Privacy

Your use of this Site is also governed by our Privacy Policy, which outlines how your personal information is collected, used, and protected.

11. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site after changes have been posted constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the State in which The Davis Agency operates (insert appropriate state, e.g., "Texas" or "California"). Any disputes arising shall be subject to the exclusive jurisdiction of the courts in that state.

13. Contact Information

If you have any questions or concerns about these Terms, you may contact us at:

The Davis Agency

Attn: Bruce Davis
7510 Fairfield Dr, Fairfield, PA 16415
Email: [email protected]
Phone: (814) 622-4078

13. SMS Opt-out

You can cancel the SMS service at any time. Simply text "STOP" or "OUT" to the short code. Upon sending "STOP" or "OUT," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected].

Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

For privacy-related inquiries, please refer to our Privacy Policy

By using this Site, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.