Terms & Conditions
Effective Date: January 1, 2026
Agreement to Terms
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," or "user") and Vogt Insurance Partners ("Vogt Insurance Partners," "we," "us," or "our") concerning your access to and use of the www.vogtinsurancepartners.com website and any related mobile applications, services, and tools (collectively, the "Services").
By accessing or using our Services, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our Services.
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.
Eligibility
To use our Services, you must:
Be at least 18 years of age
Have the legal capacity to enter into a binding contract
Not be barred from using our Services under applicable law
Provide accurate and complete information during registration and enrollment
Reside in a state where Vogt Insurance Partners offers coverage
By using our Services, you represent and warrant that you meet all of these eligibility requirements.
Account Registration and Security
Account Creation
To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:
Provide accurate, current, and complete information
Maintain and promptly update your account information
Maintain the security and confidentiality of your login credentials
Notify us immediately of any unauthorized use of your account
Be responsible for all activities that occur under your account
Account Security
You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to protect your login credentials.
Account Termination
We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to:
Violation of these Terms
Fraudulent or illegal activity
Providing false or misleading information
Non-payment of premiums
At your request
Use of Services
Permitted Use
You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to:
Use the Services in any way that violates any applicable federal, state, or local law
Impersonate or attempt to impersonate Vogt Insurance Partners, a Vogt Insurance Partners employee, another user, or any other person or entity
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services
Use any robot, spider, or other automatic device to access the Services
Introduce viruses, trojans, worms, or other malicious code
Attempt to gain unauthorized access to any portion of the Services
Use the Services to transmit advertising or promotional material
Interfere with or disrupt the Services or servers or networks connected to the Services
Collect or store personal data about other users without their consent
Acceptable Use of Information
You agree to use information obtained from our Services only for purposes related to obtaining or managing your health insurance coverage. You may not use information from our Services for any commercial purpose without our express written consent.
Intellectual Property Rights
Our Intellectual Property
The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Vogt Insurance Partners, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
Trademarks
The Vogt Insurance Partners name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Vogt Insurance Partners or its affiliates. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners.
Limited License
We grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal, non-commercial use. This license does not include any right to:
Resell or make any commercial use of the Services
Modify, copy, or create derivative works based on the Services
Download (other than page caching) or copy any content for any purpose
Use any data mining, robots, or similar data gathering or extraction methods
Reverse engineer any aspect of the Services
Insurance Coverage and Enrollment
No Guarantee of Coverage
Use of our Services does not guarantee approval for health insurance coverage. All applications are subject to underwriting and approval based on eligibility requirements and applicable laws.
Plan Documents Control
These Terms govern your use of our website and Services. However, your health insurance coverage is governed by your plan documents, including your policy, certificate of coverage, summary plan description, and schedule of benefits. In the event of any conflict between these Terms and your plan documents, your plan documents will control with respect to your insurance coverage.
Accurate Information Required
You must provide accurate and complete information during the application and enrollment process. Providing false or misleading information may result in:
Denial of coverage
Cancellation of coverage
Denial of claims
Legal consequences
Premium Payments
If you enroll in a health insurance plan through our Services, you agree to pay all premiums and fees when due. Failure to pay premiums may result in cancellation of coverage.
Content You Provide
User Content
Our Services may allow you to submit, upload, or otherwise make available content, including personal information, documents, and communications ("User Content"). You retain ownership of your User Content, but you grant us certain rights to use it.
License to User Content
By providing User Content through our Services, you grant Vogt Insurance Partners a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, modify, adapt, publish, and display such User Content solely for the purposes of:
Providing and improving our Services
Processing your application and administering your coverage
Complying with legal obligations
Communicating with you about your coverage
Responsibility for User Content
You are solely responsible for your User Content and the consequences of providing it. You represent and warrant that:
You own or have the necessary rights to provide the User Content
Your User Content does not violate any third-party rights
Your User Content does not violate any applicable laws
Prohibited Content
You may not provide User Content that:
Is false, misleading, or fraudulent
Infringes any intellectual property or other rights
Contains viruses or malicious code
Violates any applicable law or regulation
Third-Party Links and Content
Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by Vogt Insurance Partners. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that Vogt Insurance Partners shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services available on or through any such third-party websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
Disclaimer of Warranties
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. VOGT INSURANCE PARTNERS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
IMPLIED WARRANTIES OF MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT
THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
THAT DEFECTS WILL BE CORRECTED
THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
No advice or information, whether oral or written, obtained by you from Vogt Insurance Partners or through the Services will create any warranty not expressly stated in these Terms.
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VOGT INSURANCE PARTNERS, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
LOSS OF PROFITS
LOSS OF DATA
LOSS OF USE
LOSS OF GOODWILL
BUSINESS INTERRUPTION
OTHER INTANGIBLE LOSSES
This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Vogt Insurance Partners has been advised of the possibility of such damage.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO VOGT INSURANCE PARTNERS IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.
Indemnification
You agree to defend, indemnify, and hold harmless Vogt Insurance Partners, its affiliates, and their respective directors, officers, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
Your violation of these Terms
Your use of the Services
Your User Content
Your violation of any rights of another party
Your violation of any applicable laws or regulations
Governing Law and Dispute Resolution
Governing Law
These Terms and any dispute arising out of or related to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
Dispute Resolution
Informal Resolution
Before filing a claim, you agree to try to resolve the dispute informally by contacting us at Info@vogtinsurancepartnersllc.com. We will attempt to resolve the dispute informally within sixty (60) days.
Binding Arbitration
If we cannot resolve the dispute informally, any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA). The arbitration shall take place in Melbourne, Florida, and judgment on the arbitration award may be entered in any court having jurisdiction.
Exceptions
Either party may bring a claim in small claims court if it qualifies. Additionally, either party may seek injunctive or other equitable relief in court to prevent the infringement of intellectual property rights.
Class Action Waiver
YOU AND VOGT INSURANCE PARTNERS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.
Jury Trial Waiver
YOU AND VOGT INSURANCE PARTNERS WAIVE ANY RIGHT TO A JURY TRIAL.
Privacy
Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.
Communication Preferences
By using our Services or providing your contact information, you consent to receive communications from us, including:
Transactional emails and messages related to your account and coverage
Administrative notices and updates
Marketing communications (you may opt out at any time)
Text messages (if you provide your mobile number and consent)
You may opt out of marketing communications by following the unsubscribe instructions in any marketing email or by contacting us at Info@vogtinsurancepartnersllc.com.
Electronic Communications and Signatures
You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You consent to receive documents and communications electronically and agree that electronic signatures have the same legal effect as handwritten signatures.
Miscellaneous Provisions
Entire Agreement
These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Vogt Insurance Partners regarding the use of our Services and supersede any prior agreements.
Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of Vogt Insurance Partners.
Assignment
You may not assign or transfer these Terms or your rights and obligations under these Terms without our prior written consent. We may assign these Terms or any rights under these Terms without restriction.
No Third-Party Beneficiaries
These Terms do not create any third-party beneficiary rights.
Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
Headings
The headings in these Terms are for convenience only and have no legal or contractual effect.
Survival
Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.
Contact Information
If you have any questions about these Terms, please contact us:
Phone: (321) 421-7283 Email: Info@vogtinsurancepartnersllc.com
Acknowledgment
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND AGREE TO BE BOUND BY THEM.
This Terms and Conditions page was last updated on January 1, 2026.