TERMS AND CONDITIONS
Mark Davis Financial Group, Inc. DBA Davis Life Group
Effective Date: January 4, 2025
Welcome to the website of Mark Davis Financial Group, Inc. DBA Davis Life Group (“Davis Life Group,” “we,” “us,” or “our”). By accessing, browsing, or using our website (“Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”).
If you do not agree with these Terms, you must not use this Site.
1. ACCEPTANCE OF TERMS
By accessing or using this Site, you represent that you are at least 18 years of age and that you have the legal capacity to enter into these Terms. These Terms apply to all visitors, users, and others who access or use our Site. We reserve the right to amend these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on the Site. Your continued use of the Site signifies your acceptance of any amended Terms.
2. NO PROFESSIONAL ADVICE
All content provided on this Site is for informational and educational purposes only. This Site does not replace personalized professional advice or services, including but not limited to legal, financial, or insurance advice. Any decisions you make based on information found on this Site are your sole responsibility. We recommend consulting with appropriate professionals before making any decisions regarding insurance, financial planning, or legal matters.
3. INSURANCE PRODUCTS AND SERVICES
No Guarantee of Coverage: Any descriptions or information regarding insurance products on this Site are not intended to guarantee that you will qualify for coverage or that a specific policy will meet your needs. Underwriting Requirements: Insurance coverage and availability are subject to underwriting approval and other eligibility criteria. Policy Terms: Actual policy terms, conditions, limits, and exclusions may differ from what is described on this Site. In the event of a discrepancy, the specific policy language will govern.
4. INTELLECTUAL PROPERTY
Ownership: All content on this Site, including text, images, graphics, logos, designs, downloadable files, and other materials (“Content”), is owned by or licensed to Davis Life Group and is protected by applicable intellectual property laws. Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this Site and its Content for your personal, non-commercial use only. Restrictions: You may not copy, distribute, modify, transmit, reuse, repost, or otherwise exploit the Content for public or commercial purposes without our express written permission.
5. USER CONDUCT
You agree not to use the Site in any way that could damage, disable, overburden, or impair any Davis Life Group server or the networks connected to any Davis Life Group server. You agree not to attempt to gain unauthorized access to any portion of the Site or any other systems or networks connected to the Site through hacking or any other means. You agree not to use the Site or any Content for any unlawful purpose or any purpose prohibited by these Terms.
6. PRIVACY
Use of the Site is also governed by our [Privacy Policy],
which is incorporated into these Terms by reference. We encourage you to review
our Privacy Policy for information on how we collect, use, and disclose
personal information.
7. DISCLAIMER OF WARRANTIES
As-Is Basis: This Site and all Content are provided on an “AS IS” and “AS AVAILABLE” basis. No Warranties: Davis Life Group makes no representations or warranties of any kind, express or implied, regarding the Site, its Content, or any services or products provided through the Site. No Guarantee of Accuracy: While we strive to ensure the accuracy of information on this Site, we do not warrant that it is complete, reliable, or current. No Endorsements: Reference to any products, services, processes, or other information by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by Davis Life Group.
8. LIMITATION OF LIABILITY
Indirect Damages: In no event will Davis Life Group be liable for any indirect, special, incidental, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in any way connected with the use of this Site. Maximum Liability: To the fullest extent permitted by law, Davis Life Group’s total liability for any claims arising out of or relating to these Terms or your use of the Site shall be limited to the amount you paid, if any, for accessing the Site or one hundred dollars (USD $100), whichever is greater. Jurisdictional Limitations: Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Some of the above limitations may not apply to you.
9. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Davis Life
Group and its officers, directors, employees, agents, and affiliates from and
against any and all claims, liabilities, losses, damages, expenses, and costs
(including reasonable attorneys’ fees) arising out of or related to your use or
misuse of the Site, your breach of these Terms, or your violation of any law or
the rights of a third party.
10. THIRD-PARTY LINKS
The Site may contain links to external websites or resources not owned or controlled by Davis Life Group. We are not responsible for the content, privacy policies, or practices of any third-party sites. We provide these links only for your convenience, and the inclusion of any link does not imply endorsement by Davis Life Group.
11. GOVERNING LAW AND MANDATORY ARBITRATION
Governing Law: These Terms and any disputes arising out of or relating to these Terms or your use of the Site shall be governed by and construed in accordance with the laws of the State in which Davis Life Group primarily conducts business, without regard to conflict-of-law principles. Mandatory Arbitration: Scope: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (collectively, “Disputes”) shall be resolved exclusively through final and binding arbitration, rather than in court. Rules: The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Location: The arbitration shall take place in the county where Davis Life Group primarily conducts business, unless otherwise agreed by the parties. Costs and Attorney Fees: Each party shall be responsible for its own costs, expenses, and attorneys’ fees incurred in connection with the arbitration. However, if the arbitrator determines that a claim or defense was frivolous or filed for an improper purpose, the party responsible for such frivolous claim or defense shall be liable for the other party’s reasonable attorneys’ fees and costs. Waiver of Class Actions and Jury Trial: You and Davis Life Group agree to waive any rights to a jury trial and to participate in class actions or class-wide arbitration.
12. TERMINATION
We reserve the right, in our sole discretion, to terminate
or suspend your access to the Site, at any time and without prior notice, if we
believe you have violated these Terms or any applicable law.
13. SEVERABILITY
If any provision of these Terms is held by a court of
competent jurisdiction to be invalid, unenforceable, or illegal, such provision
shall be severed, and the remaining provisions shall continue in full force and
effect.
14. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy and any
additional terms to which you agree when using particular elements of the Site,
constitute the entire agreement between you and Davis Life Group regarding the
Site and supersede all prior or contemporaneous communications, whether
electronic, oral, or written, between you and Davis Life Group with respect to
the Site.
15. CONTACT US
If you have any questions or concerns about these Terms,
please contact us by email at:
Mark Davis Financial Group, Inc. DBA Davis Life Group
Email:
By using this Site, you acknowledge that you have read and
understood these Terms and agree to be bound by them.