Terms of Service

Last Updated: February 27, 2026

Agreement to Terms

By accessing or using the website and services of Greene & Associates Insurance ("we," "us," or "our"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

About Our Services

Greene & Associates Insurance is a licensed independent insurance agency based in Lake City, Florida. We provide insurance quoting, policy placement, and customer service for personal and commercial insurance products. We represent multiple insurance carriers and work to find coverage that meets your needs.

Insurance Quotes and Coverage

No Guarantee of Coverage

Requesting a quote does not guarantee that coverage will be available or issued. All insurance applications are subject to underwriting review and approval by the insurance carrier. Quotes are estimates based on information provided and may change based on carrier underwriting.

Accuracy of Information

You agree to provide accurate, complete, and truthful information when requesting quotes or applying for insurance. Misrepresentation or omission of material facts may result in denial of claims or policy cancellation.

Policy Terms Govern

Insurance coverage is governed by the terms, conditions, and exclusions of the policy issued by the carrier. Quotes, proposals, and website content are for informational purposes only and do not constitute a contract of insurance. Always review your policy documents carefully.

Use of Website

Permitted Use

You may use our website to:

• Request insurance quotes and information
• Contact us for customer service
• Access resources and educational content
• Manage your insurance policies (if applicable)

Prohibited Use

You agree not to:

• Provide false or misleading information
• Use automated tools (bots, scrapers) to access the website
• Attempt to gain unauthorized access to our systems
• Interfere with the website's operation or security
• Use the website for illegal purposes or to violate any laws
• Reproduce, distribute, or modify website content without permission

Client Responsibilities

As a client or prospective client, you are responsible for:

• Reviewing policies: Reading and understanding your insurance policy documents
• Timely payments: Paying premiums on time to maintain coverage
• Reporting changes: Notifying us of changes that may affect your coverage (address, vehicles, business operations, etc.)
• Filing claims: Promptly reporting claims to your insurance carrier
• Policy renewals: Reviewing renewal documents and confirming coverage needs

Disclaimers and Limitations

No Legal or Tax Advice

The information on this website is for general informational purposes only and does not constitute legal, tax, or financial advice. Consult with qualified professionals for advice specific to your situation.

Website "As Is"

Our website is provided "as is" without warranties of any kind, express or implied. We do not guarantee that the website will be error-free, secure, or uninterrupted. We reserve the right to modify or discontinue the website at any time without notice.

Limitation of Liability

To the fullest extent permitted by law, Greene & Associates Insurance shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the amount of commissions earned on your policy.

Third-Party Links

Our website may contain links to third-party websites (insurance carriers, payment processors, etc.). We are not responsible for the content, privacy practices, or services of third-party sites. Use of third-party sites is at your own risk.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Greene & Associates Insurance or its licensors and is protected by copyright and trademark laws. You may not use, reproduce, or distribute our content without written permission.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that violates these Terms of Service or is harmful to our business, other users, or third parties.

Governing Law and Disputes

These Terms of Service are governed by the laws of the State of Florida, 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 located in Columbia County, Florida.

Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Service, please contact:

License Information: Greene & Associates Insurance is a licensed insurance agency in the State of Florida. We are regulated by the Florida Department of Financial Services and comply with all applicable insurance laws and regulations.