Terms and Conditions

1. About Our Website

The Roger L. Daniel Insurance website is provided for general informational, educational, and service-related purposes. Our website may include information about insurance products, agency services, educational events, Medicare, Marketplace coverage, home and property insurance, auto insurance, business insurance, and other lines of insurance.

Website content is not intended to be a complete description of any insurance policy, coverage, plan, benefit, limitation, exclusion, premium, or eligibility rule.

2. No Guarantee of Coverage, Pricing, or Eligibility

Information submitted through this website does not guarantee that coverage will be available, approved, issued, renewed, or offered at a particular price.

Any quote, estimate, premium, benefit summary, or coverage discussion is subject to verification by the applicable insurance carrier. Final terms are determined by the carrier, policy documents, underwriting rules, enrollment requirements, and applicable law.

Do not cancel, replace, or change any current insurance coverage based only on information found on this website. Please speak with a licensed agent and review the official policy or plan documents first.

3. Website Forms and Submissions

Our website may allow you to submit forms, request appointments, register for events, request insurance information, or contact our agency.

When you submit information through this website, you agree that the information you provide is accurate to the best of your knowledge. You also understand that submitting a form does not automatically create an insurance policy, bind coverage, enroll you in a plan, or guarantee a response within a specific timeframe.

• Coverage is not bound through a general website form.
• Medicare enrollment is not completed through a general contact form.
• Marketplace enrollment is not completed through a general contact form.
• An appointment request is not confirmed until our agency confirms it.
• A seminar registration may be subject to seating limits, location rules, or event changes.

4. Medicare and Health Insurance Information

Medicare, Marketplace, and health insurance information on this website is provided for general educational and service-related purposes. It should not be treated as a complete explanation of every rule, option, plan, benefit, cost, or enrollment requirement.

Medicare and Marketplace rules may change. Plan availability, benefits, premiums, formularies, provider networks, service areas, and eligibility rules may vary by year, county, carrier, and individual situation.

For Medicare-related communications, additional rules may apply, including rules related to Permission to Contact, Scope of Appointment, enrollment periods, marketing communications, and plan-specific discussions.

5. Educational Events and Seminars

Our website may include information about educational seminars, community events, Medicare 101 sessions, or other agency events.

Event information may change, including date, time, location, speaker, available seating, topic, or format. We may update, cancel, reschedule, or modify events as needed.

Educational events are intended to provide general information. They are not a guarantee of eligibility, coverage, pricing, enrollment, or plan availability.

6. No Legal, Tax, Medical, or Financial Advice

Website content is not legal, tax, medical, or financial advice. You should speak with the appropriate professional for advice about your specific legal, tax, medical, or financial situation.

Our agency provides insurance-related information and service within the scope of our licensing, appointments, carrier relationships, and applicable rules.

7. Third-Party Websites and Tools

Our website may link to third-party websites, including insurance carriers, government agencies, scheduling tools, payment portals, social media platforms, analytics tools, maps, or other online resources.

We do not control third-party websites and are not responsible for their content, security, privacy practices, terms of use, or availability.

When you leave our website, you should review the terms and privacy policies of the third-party site before submitting personal information or completing a transaction.

8. Privacy

Your use of this website is also subject to our Privacy Policy. The Privacy Policy explains how we collect, use, protect, and share information submitted through our website and related online forms.

By using this website, you acknowledge that you have had the opportunity to review our Privacy Policy.

9. Intellectual Property

Unless otherwise noted, the content on this website belongs to Roger L. Daniel Insurance or is used with permission. This may include text, page layouts, graphics, images, logos, icons, educational materials, forms, downloadable resources, and other website content.

You may use website content for your own personal, non-commercial reference. You may not copy, reproduce, distribute, modify, sell, or use our content for commercial purposes without written permission.

10. Acceptable Use

You agree not to misuse this website. Prohibited use includes, but is not limited to:

• Submitting false, misleading, or fraudulent information
• Attempting to access systems, accounts, or data without authorization
• Interfering with the website’s security, function, or availability
• Using the website to transmit harmful code, spam, or malicious content
• Copying website content for unauthorized commercial use
• Using the website in a way that violates applicable law or regulation

11. Website Availability and Accuracy

We make reasonable efforts to keep website information accurate and current, but we do not guarantee that all information will always be complete, accurate, timely, or error-free.

Website content may be updated, removed, or changed at any time without notice. We do not guarantee that the website will always be available, uninterrupted, secure, or free from errors.

12. Limitation of Liability

To the fullest extent permitted by law, Roger L. Daniel Insurance is not responsible for damages arising from your use of, or inability to use, this website.

This includes damages related to website errors, interruptions, outdated information, third-party links, form submission issues, technical failures, unauthorized access, or reliance on general website information.

13. Indemnification

You agree to hold harmless Roger L. Daniel Insurance, its owners, employees, agents, representatives, and service providers from claims, damages, losses, liabilities, costs, or expenses arising from your misuse of this website, your violation of these Terms and Conditions, or your submission of false or misleading information.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. When we update them, we will change the “Last Updated” date at the top of this page.

Continued use of this website after changes are posted means you accept the updated Terms and Conditions.

15. Governing Law

These Terms and Conditions are intended to be governed by the laws of the State of Montana, without regard to conflict of law principles, unless another law applies.

Any disputes related to this website should be handled in an appropriate court or forum with jurisdiction over the matter.