Welcome to Golden Bridge Insurance Agency (the “Agency,” “we,” “us” or “our”). These Terms of Service (“Terms”) govern your access to, and use of, any services provided by the Agency (the “Services”), and your relationship with us as a client, applicant, policyholder or prospective policyholder (“you,” “your”). Before you proceed, please read these Terms carefully. If you do not agree to these Terms, you should not use or access our Services, nor enter into any agreement with the Agency.

 

These Terms, in combination with our Privacy Policy, Data Processing Agreement (if applicable), and other applicable disclosures, form a binding legal commitment between you and the Agency. By engaging with the Agency’s Services — whether by submitting an application, accepting a quote, paying premiums, or continuing your insurance relationship — you signify your acceptance of these Terms.

 

We may update these Terms from time to time. When we post an updated version, you agree that your continued use of the Services constitutes your acceptance of the updated Terms. Please consult your attorney for legal advice and review of these Terms.

 

 

 

2. Definitions & Applicability

 

 

2.1 “Services” means the insurance brokerage, advisory, placement, renewal, claims-assistance and related services the Agency provides to you as a policyholder or applicant.

2.2 “Policy” means any insurance contract placed or serviced by the Agency on your behalf.

2.3 “Client,” “you,” or “your” means the individual or entity engaging with the Agency’s Services, including applicants, policyholders, insureds, beneficiaries, or representatives.

2.4 These Terms apply to all Services provided by the Agency, whether via phone, in-person meeting, website communication, email, or other means.

 

 

 

3. Eligibility & Representation

 

 

3.1 You represent and warrant that you are at least 18 years old and have the legal capacity to enter into a contract. If you act on behalf of a business or other legal entity, you represent that you are authorized to bind that entity to these Terms.

3.2 You agree that all information you provide to the Agency will be true, accurate, complete, and timely, including but not limited to your name, address, contact information, risk information, and any other details essential for underwriting or servicing your Policy.

3.3 You agree to promptly update the Agency of any material changes (such as change in address, additional insured locations, change of exposures, or change in ownership) that may affect your coverage.

 

 

 

4. Provision of Services; Role of Agency

 

 

4.1 The Agency acts as your insurance agent or broker (depending on state regulation) and will assist in the placement, servicing and renewal of insurance policies with one or more insurers.

4.2 While the Agency will endeavor to secure insurance coverage on your behalf, it does not guarantee that any specific insurer will provide coverage or that all claims will be paid. Insurance companies retain underwriting discretion and final determination of coverage, limits, and conditions.

4.3 You agree that the Agency’s obligation is limited to using its best efforts to assist you, and that you remain responsible for reviewing your insurance policy, understanding its terms, exclusions, limits, and for paying premiums when due.

 

 

 

5. Payment, Premiums & Fees

 

 

5.1 You shall pay all premiums, fees, commissions and other amounts as invoiced by the Agency or required by the insurer in a timely manner. Failure to pay may result in cancellation of coverage or denial of claims.

5.2 The Agency may charge fees (e.g., policy servicing fees, late fees) as permitted by law and disclosed in advance. All fees are non-refundable unless otherwise required by applicable law.

5.3 You are responsible for any taxes, assessments, or charges imposed by governmental authorities in connection with your Policy.

5.4 If the insurer cancels, reduces, or non-renews your Policy due to your nonpayment or other default, you may be liable for retrospective premiums or audit adjustments per the Policy terms.

 

 

 

6. Your Duties & Prohibited Conduct

 

 

6.1 You shall use the Services only for lawful purposes and in compliance with all applicable laws, rules and regulations.

6.2 You must not use the Services to submit false, misleading or fraudulent information to the Agency or insurer. Such conduct may constitute insurance fraud, subject to criminal or civil penalties.

6.3 You shall cooperate in good faith with the Agency and any insurer in connection with underwriting, claims handling, audits or investigations, including by providing requested documents or statements in a timely manner.

6.4 If you become aware of any claim, incident or occurrence that may give rise to a claim under your Policy, you shall notify the Agency and insurer without unreasonable delay.

 

 

 

7. Intellectual Property & Content

 

 

7.1 The Agency owns or has licensed all rights in its materials, forms, website content and communications (“Agency Content”). You are permitted to use the Agency Content solely for your personal or business insurance-related purposes and must not copy, distribute, modify or exploit the Agency Content for any other purpose without prior written consent.

7.2 If you provide any feedback, suggestions or ideas (“Feedback”) to the Agency about our Services, you grant the Agency a perpetual, irrevocable, non-exclusive, royalty-free license to use, reproduce, modify or incorporate that Feedback in our business or services without any obligation to compensate you.

 

 

 

8. Privacy & Data Protection

 

 

8.1 Your personal information, risk details and other data will be collected, used and stored in accordance with our Privacy Policy, which is incorporated herein by reference.

8.2 You represent that any third-party personal data you provide (e.g., employees or insureds) has been collected in compliance with applicable law and for use in underwriting or servicing purposes.

8.3 In some cases, the Agency may share your information with insurers, reinsurers, brokers, service providers or other parties for legitimate business purposes (e.g., underwriting, claims investigations). By accepting these Terms, you consent to such disclosures to the extent permitted by law.

 

 

 

9. Limitation of Liability & Disclaimers

 

 

9.1 The Agency provides no guarantee or warranty, express or implied, regarding the placement of any particular insurance, the outcome of any claim, or the performance of any insurer.

9.2 To the fullest extent permitted by law, the Agency, its officers, directors, employees, agents and affiliates shall not be liable to you for any indirect, special, incidental, punitive or consequential damages (including loss of profits, loss of business opportunity or business interruption) arising out of or relating to these Terms, your Policy, the Services, underwriting or claims decisions.

9.3 The maximum aggregate liability of the Agency to you under or in connection with these Terms shall not exceed the fees paid by you to the Agency in the twelve (12) months immediately preceding the event giving rise to the claim (or such lesser amount as required by applicable law).

9.4 Some jurisdictions do not allow limitations or exclusions of liability for certain types of damages; accordingly, some of the above disclaimers may not apply to you in full.

 

 

 

10. Indemnification

 

 

You agree to indemnify, defend and hold harmless the Agency, its officers, directors, employees, agents and affiliates from and against any and all claims, liabilities, losses, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or relating to:

 

• your breach of these Terms;

• any false or misleading information you provided;

• any misuse of the Services by you; or

• your failure to comply with underlying Policy requirements.

 

 

 

 

11. Termination

 

 

11.1 Either you or the Agency may terminate the relationship and Services upon written notice, subject to applicable policy terms and regulatory requirements.

11.2 Termination will not relieve you of your obligations to pay any premiums, fees or charges incurred prior to termination.

11.3 Sections 5 (Payment), 8 (Privacy & Data Protection), 9 (Limitation of Liability), 10 (Indemnification), 11.3 (Survival) and 12 (Governing Law) shall survive any termination or expiration of these Terms.

 

 

 

12. Governing Law & Dispute Resolution

 

 

12.1 These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.

12.2 If a dispute arises, you and the Agency agree first to negotiate in good faith to attempt to resolve it within thirty (30) days. If unresolved, you and the Agency agree to submit the dispute to binding arbitration in Broward County, Florida (or another location as agreed by both parties) under the rules of a recognized arbitration organization.

12.3 By accepting these Terms, you waive your right to a jury trial and to participate in a class action dispute, to the extent permitted by law.

 

 

 

13. Modifications to Terms

 

 

The Agency reserves the right to modify these Terms at any time and in its sole discretion. When we do so, we will post the updated version with its “Last Updated” date and notify existing clients by email or other contact means. Your continued use of the Services after the effective date of the revision constitutes your acceptance of the new Terms.

 

 

 

14. Miscellaneous

 

 

14.1 Entire Agreement. These Terms (along with our Privacy Policy and any other written agreement signed by you) constitute the complete agreement between you and the Agency, superseding all prior or contemporaneous understandings, agreements or communications, whether written or oral.

14.2 Severability. If any provision of these Terms is found invalid or unenforceable under applicable law, such provision will be deemed stricken or limited to the minimum extent required, and the remainder of the Terms will continue in full force and effect.

14.3 No Waiver. Failure by the Agency to enforce any right or provision under these Terms shall not constitute a waiver of that right or provision.

14.4 Assignment. You may not assign or delegate your rights or obligations under these Terms without the prior written consent of the Agency. The Agency may assign its rights or delegate its obligations in whole or part.

14.5 Notices. All notices under these Terms must be in writing and delivered (a) by email to the contact address you have provided, or (b) by certified mail to the Agency at the address on file.

14.6 Third-Party Beneficiaries. Except as otherwise expressly provided, no person other than you and the Agency shall have any rights under these Terms.

 

 

Contact Information:

Golden Bridge Insurance Agency

Phone: 954-650-1889

Email: goldenbridgeinsu@gmail.com

Address: Broward County, Florida

 

 

Acknowledgement

By requesting the Agency’s services, submitting an application, paying premiums, or otherwise continuing your relationship with the Agency, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.