Terms & Conditions

Last Updated: January 1, 2025

Welcome to DisabilityDoug.com. By accessing or using this website, you agree to be bound by these Terms and Conditions. Please read them carefully before submitting any information.

1. Nature of This Service

DisabilityDoug.com is a lead generation and consumer matching service. We are NOT a licensed insurance carrier, insurance agency, or insurance agent. We do not sell insurance policies and we do not provide insurance advice. Our service connects consumers who are seeking information about disability insurance with licensed insurance professionals who may be able to assist them.

2. No Insurance Advice

Nothing on this website constitutes insurance advice, financial advice, or a recommendation to purchase any specific insurance product. The information provided is general in nature and for informational purposes only. You should consult with a licensed insurance professional before making any insurance purchasing decisions.

3. Third-Party Insurance Professionals

When you submit your information through our assessment, it may be shared with one or more licensed insurance professionals or brokers. These professionals are independent third parties and are not employees, agents, or representatives of DisabilityDoug.com. We are not responsible for their conduct, the accuracy of their representations, or the products they offer. Any insurance transaction is solely between you and the licensed professional.

4. Consent to Contact

By submitting the assessment form, you acknowledge and agree that you may be contacted by DisabilityDoug.com and/or licensed insurance professionals via telephone (including automated or prerecorded calls), text message (SMS), and email. This consent is not required as a condition of purchasing any goods or services. Standard message and data rates may apply. You may opt out at any time by texting STOP to any SMS message or emailing doug@disabilitydoug.com.

5. Accuracy of Information

By submitting the assessment, you represent that the information you provide is accurate and truthful. Providing false or misleading information may result in inaccurate matching and disqualification from coverage.

6. No Guarantee of Coverage

Submission of the assessment does not guarantee that you will qualify for any insurance policy or receive any insurance offer. Qualification for disability insurance is determined by the insurance carrier based on underwriting criteria, which may include health, occupation, income, and other factors.

7. Intellectual Property

All content on this website, including the Disability Doug name, character, logos, text, and design elements, are the property of DisabilityDoug.com and may not be reproduced or used without prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, DisabilityDoug.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. Our total liability to you for any claim shall not exceed $100.

9. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration on an individual basis, and you waive any right to a jury trial or class action proceeding.

10. Changes to These Terms

We may update these Terms at any time. Continued use of the site after changes are posted constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Contact us at:
DisabilityDoug.com
Email: doug@disabilitydoug.com