Terms & Conditions

Effective date: August 24, 2026

These terms govern your use of derekmaddoxagency.com (the "Site") and your interactions with Derek Maddox Agency ("we," "us," or "our"). By using the Site, you agree to them.

Informational purposes only

The content on this Site is provided for general information about our services. It is not insurance advice for your specific situation, and nothing on the Site is an offer of insurance, a binder of coverage, or a guarantee that coverage will be issued. Insurance can only be bound by an issued policy from an insurance carrier, and all applications are subject to that carrier's underwriting and approval. Premiums, features, and availability vary by carrier, product, and state.

Licensing

Derek Maddox Agency is a licensed independent insurance agency. Products and services are offered only in states where we hold the required licenses. Nothing on this Site is a solicitation of insurance in any state where we are not licensed.

Text messaging program

If you opt in to text messages from us: consent is optional and not a condition of purchase; message frequency may vary; message and data rates may apply; reply STOP to cancel or HELP for help. Transactional and marketing messages are separate opt-ins, described in our Privacy Policy along with how we handle your information.

Your use of the Site

You agree not to misuse the Site, including attempting to disrupt it, probe or breach its security, scrape it for bulk data collection, or use it for any unlawful purpose.

Intellectual property

The Site and its content (text, design, graphics, and photos) belong to Derek Maddox Agency or its licensors and may not be copied or reused for commercial purposes without permission.

Third-party services

The Site embeds or links to third-party services, such as the Calendly scheduler and insurance carrier resources. Those services have their own terms and privacy practices, and we are not responsible for them.

Disclaimers and limitation of liability

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. To the fullest extent permitted by law, Derek Maddox Agency will not be liable for indirect, incidental, special, or consequential damages arising from your use of the Site. Nothing in these terms limits liability that cannot be limited under applicable law, or the rights you hold under an issued insurance policy, which are governed by that policy and applicable insurance law.

Governing law

These terms are governed by the laws of the State of Michigan, without regard to conflict-of-law rules.

Changes

We may update these terms from time to time. The current version, with its effective date, will always be posted on this page.

Contact

Questions about these terms? Reach us at derek@derekmaddoxagency.com.