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Terms of Use

I’ve established the foregoing “terms of use” to explain the conditions of your use of this website, including how you may and may not use the information provided on our website, and our intent in providing such information to you. Essentially, these terms are intended to help maximize the information provided on our website for your benefit. By accessing any areas of www.richardesmith.com, you agree to be bound by the terms set forth below. If you disagree with these terms, please do not use this website.

My Intellectual Property is for Your Non-commercial Use

My intellectual property is provided for your information, so I want you to feel free to access our website, download, save, and/or print any information you need. However, just as you protect your property from theft and inappropriate use, I need to protect my intellectual property from similar harm. All of the materials on this website, including the organization and layout of this website and all graphics and logos, are owned and copyrighted by Richard E Smith. You may access, download, and print materials from this website for your personal noncommercial use, but understand that by doing so you do not obtain any rights, interest, or title to the materials you read, print, or download. You cannot copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, link to, or frame in another website or use on any other website, or transfer or sell any information obtained from this website without written permission from Richard E Smith. Note that all information on our website is designed and intended for “human consumption” and not machine interpretation. Accordingly, data extraction techniques such as web or screen scraping are strictly prohibited.

No Unlawful or Prohibited Use

By using this website, you warrant to Richard E Smith that you will not use this website or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these terms. Any violation of this provision will result in prompt revocation of my permission granted to you to use this website.

Links to Third-Party Sites

I may, solely for your convenience and additional information, include hyperlinks to sites operated and controlled by other parties unrelated to us or any of my affiliates. I do not endorse such sites, nor do I guarantee that the information contained within them is accurate and/or complete. If you elect to link to any third-party sites, you do so at your own risk. Please also note that the terms of the Privacy Policy provided on this website apply only to this website. I do not control whatsoever the handling of your information by third parties once you leave my website, and am not responsible for the handling and use of any personal information you provide to third-party sites. Accordingly, I strongly encourage you to carefully review the privacy policy of any third-party site visited before releasing any personal information.

Testimonials

Testimonials on this website are a representation of “typical” customer experiences. Individual experiences, satisfaction, and cost savings often differ from our typical customer. Customer names and towns may have been changed to honor their privacy.

Changes to These Terms of Use

I reserve the right to change these terms at any time, without notice to you. All changes are effective immediately upon being posted on this website, and you are deemed to have accepted such changes by virtue of your use of this website. Therefore, I advise you to review these terms on each occasion you access my website.

Liability Disclaimer

All information, services, products, or other material on this website are provided “as is” without warranty of any kind. In no event shall Richard E Smith, its affiliates, suppliers, and/or its agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of this website or with the delay or inability to use this website, or for any information, products, materials, and/or services obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability, or otherwise, even if Richard E Smith, his affiliates, suppliers, or any of his agents has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

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This website provides information for the reader to choose to request more information about life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance including how to request a quote. By requesting a quote, you agree to our Privacy Policy and our Terms & Conditions. If you submit your personal information, you are making a consumer inquiry for life insurance, insurance for small business, health insurance, Medicare, and supplemental insurance through me as a licensed insurance producer as more fully described below. By proceeding, you give your consent and expectation to be contacted by Richard E Smith and/or associates. Any health or personal information shared is protected by applicable privacy laws and regulations, including HIPAA.

Invitations on richardesmith.com for application for insurance are made through Richard E Smith an independent agent/producer. Richard E Smith is a licensed insurance producer in Florida (License# W568154).

Commercial use by others is prohibited by law. No portion of richardesmith.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization from the owner.

Insurance policies described, quoted, shown, and illustrated throughout this website are not an offer for the sale of any particular insurance policy or product, only an invitation for application for insurance coverage and may not be relied upon. There are many variables in different insurance coverages and companies, including various insurance company standards and offerings, underwriting requirements and may not be available in all states.

We do not sell your personal information to anyone! You will not receive unsolicited, intrusive calls or emails from other agents and companies across the country. If you do provide your telephone number, Richard E Smith and/or his associates may call or text message/SMS you at the phone number(s) above, including your wireless number if provided. Normal charges may apply. This call may be generated using an automated technology and if we're unable to reach you when we call, we may leave you a pre-recorded message, so you can call us back. Your consent to us calling is not required to get a quote or make a purchase and may be revoked at any time. You may simply call us at 239-596-8449.