Agreement to Terms
These Terms of Service ("Terms") govern your access to and use of the Blue Bell Direct website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access or use our services.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our services after any changes constitutes acceptance of the modified Terms.
Insurance Agency Disclaimer
Blue Bell Direct is a licensed insurance agency. We are not an insurance carrier or insurer. Our role is to help you find insurance coverage that meets your needs by connecting you with licensed insurance carriers.
Important points to understand:
- We provide guidance and assistance in finding insurance coverage
- All insurance policies are issued by the respective insurance carriers, not by Blue Bell Direct
- Coverage options, availability, rates, and terms are determined by the insurance carriers
- Coverage may vary by state, carrier, and individual circumstances
- We do not guarantee coverage approval or specific rates
Any quotes or estimates provided are for informational purposes only and are subject to verification, underwriting, and approval by the insurance carrier.
Service Description
Blue Bell Direct provides insurance-related services including:
- Connecting consumers with insurance coverage options
- Providing information and guidance on insurance products
- Assisting with insurance applications and enrollment
- Answering questions about insurance coverage
Our services are provided by licensed insurance professionals. We work with multiple insurance carriers to help you find coverage that fits your needs and budget.
User Responsibilities
By using our services, you agree to:
- Provide accurate, complete, and current information
- Update your information as necessary to keep it accurate
- Use our services only for lawful purposes
- Not misrepresent your identity or information
- Not interfere with or disrupt our services or servers
- Comply with all applicable laws and regulations
Providing false or misleading information may result in denial of coverage, policy cancellation, or other consequences.
No Guarantee of Coverage
While we strive to help you find suitable insurance coverage, we cannot guarantee:
- That you will qualify for any particular coverage or rate
- That coverage will be approved by the insurance carrier
- Specific premium amounts or coverage terms
- Availability of specific insurance products in your area
All insurance coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy. Please review your policy documents carefully.
Information Accuracy
We make every effort to provide accurate and up-to-date information about insurance products and services. However:
- Information is provided for general informational purposes only
- Product features, rates, and availability may change without notice
- Information may not reflect all available options
- You should verify all information with the insurance carrier
We are not responsible for errors or omissions in the information provided, or for any decisions made based on this information.
Limitation of Liability
To the fullest extent permitted by law, Blue Bell Direct and its officers, directors, employees, agents, and affiliates shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Any loss of profits, revenue, data, or use
- Any damages arising from your use of or inability to use our services
- Any decisions made based on information provided through our services
- Actions or omissions of insurance carriers or other third parties
Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.
Indemnification
You agree to indemnify, defend, and hold harmless Blue Bell Direct and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of any rights of another party
- Any information you provide to us
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Blue Bell Direct or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from our website without our prior written consent.
Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Your use of third-party websites is at your own risk.
Termination
We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use our services will immediately cease.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state in which Blue Bell Direct is licensed to operate, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved in the courts of that state.
Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Blue Bell Direct regarding your use of our services. These Terms supersede any prior agreements or understandings, whether written or oral.
Contact Information
If you have questions or concerns about these Terms of Service, please contact us:
Blue Bell Direct
Email: info@bluebelldirect.co