1. Agreement and website operator
These Terms of Service (“Terms”) apply to mikeismybroker.com, operated by Michael Doty. By accessing or using the website, you agree to these Terms. If you do not agree, do not use the website.
2. General information only
The website provides general educational information about insurance and ways to contact the Agency. It is not an insurance policy, binder, contract, guarantee, legal opinion, tax advice, investment advice, securities recommendation, medical advice, or a substitute for advice based on your circumstances.
3. Agency status and product availability
Michael Doty is an independent insurance professional, not an insurance carrier. He does not underwrite policies or decide claims. Products, carriers, eligibility, rates, discounts, benefits, service areas, and availability vary by underwriting, location, appointment, licensing, and applicable law and may change. Website access does not mean a product or service is available in every location.
Michael Doty is licensed in New York, Maine, Connecticut, Pennsylvania, Virginia, Tennessee, North Carolina, South Carolina, Georgia, Florida, Alabama, Arkansas, Kansas, Iowa, Ohio, Michigan, Indiana, Texas, Arizona, Missouri, Colorado, and Maryland. Website services are available only where he is licensed and appointed for the requested product, subject to carrier appointments and product availability. No licence number is published on this website.
4. Quotes, applications, enrollment, and coverage
A website request is not an offer of insurance and does not bind, issue, change, renew, reinstate, or cancel coverage. No coverage is effective unless and until an authorized carrier confirms it in writing and every applicable requirement is satisfied. Premium estimates and quotes may change after underwriting or verification. Carrier-issued policy and plan documents control over any website summary.
Do not cancel or replace existing coverage based only on website content, a submitted form, or an unconfirmed quote.
5. Electronic communications
The website’s quote, contact, and appointment-request forms are disabled and do not transmit or store entries. When you contact Michael Doty directly by telephone or email, you authorize a response about your request through that channel. The website does not enable automated calls, prerecorded or artificial-voice calls, automated follow-up, or a marketing text-message program.
6. Acceptable use
You may not misuse the website, attempt unauthorized access, interfere with its operation, submit malicious code, impersonate another person, abuse or bypass security controls, use automated systems to overload or scrape the website unlawfully, submit false information, infringe another person’s rights, or use website content in a misleading or unlawful manner.
7. Intellectual property
The website’s original text, design, branding, code, and media are protected by applicable intellectual-property laws. Except for ordinary personal, noncommercial use or another use permitted by law, you may not copy, reproduce, republish, modify, sell, license, frame, or misrepresent website content without written permission. Third-party names, marks, and content belong to their respective owners.
8. Third-party services
Links to Calendly, carrier, enrollment, government, and other websites are provided for convenience. We do not control those services and are not responsible for their content, availability, eligibility rules, privacy, security, or accessibility. A link does not guarantee acceptance, enrollment, coverage, price, benefits, or endorsement.
9. Accuracy and availability
We work to keep website information clear and current, but it may become incomplete or outdated, and the website may occasionally be unavailable. Contact Michael Doty and review controlling carrier or policy documents before relying on information that affects coverage or a financial decision.
10. Disclaimer of warranties
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without express or implied warranties that the website will be uninterrupted, error-free, secure, complete, current, or suitable for every purpose. Nothing in these Terms excludes a warranty that cannot lawfully be excluded.
11. Limitation of liability
To the fullest extent permitted by law, Michael Doty and his service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to use of, inability to use, or reliance on the website. Nothing in these Terms limits rights or liability that cannot lawfully be limited or excluded.
12. Disputes
The parties may pursue available remedies in a court of competent jurisdiction, subject to mandatory protections under applicable law.
13. Severability; waiver; entire agreement
If a provision of these Terms is held unenforceable, it will be limited or removed only to the minimum extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. These Terms and the Privacy Policy form the website-use agreement; carrier and policy documents separately control insurance coverage.
14. Changes
We may update these Terms when the website, services, or legal requirements change. The “Last updated” date identifies the current version. Continued use after an update constitutes acceptance only to the extent permitted by law.
15. Contact
Questions may be sent to mike@mikeismybroker.com or by calling (860) 458-4321.