Terms and Conditions

1. Agreement to These Terms

These Terms and Conditions ("Terms") govern your use of the Oyer, Macoviak and Associates website, online appointment scheduling, and other online services that link to these Terms. By using these services, you agree to these Terms. If you do not agree, please do not use the services.

2. Important Insurance Notice

Information on this website is provided for general informational purposes and does not constitute an insurance binder, policy, coverage confirmation, legal advice, tax advice, or a guarantee that insurance will be available.

Submitting an online request does not create or change coverage. Coverage is effective only when confirmed in writing by an authorized insurance company or licensed agency representative, subject to underwriting, payment, policy terms, and applicable requirements.

Submitting a form, requesting a quote, scheduling an appointment, sending an email or text message, leaving a voicemail, or making an online payment does not bind, add, change, renew, cancel, or reinstate insurance coverage; issue a certificate of insurance; or confirm that a request has been completed. Your issued policy and endorsements control if they differ from information on this website.

Do not use the website, online forms, or appointment scheduler for urgent coverage changes, cancellations, claims, or time-sensitive requests. Contact our office or your insurance carrier directly and obtain confirmation. For an emergency, call 911.

3. Quotes and Insurance Information

Quotes and estimates are preliminary, may change, and are subject to eligibility, underwriting, verification of the information provided, carrier approval, and payment. A quote is not an offer or promise of coverage. Products, eligibility, discounts, pricing, and availability vary by insurer and may change without notice.

Oyer, Macoviak and Associates is an independent insurance agency. Insurance products are offered through insurance companies and are subject to the terms, conditions, exclusions, and limitations of the applicable policy.

4. Appointments and Communications

An online appointment is a scheduling request and does not guarantee that a particular employee, product, insurer, rate, or coverage will be available. We may need to reschedule or cancel an appointment because of staffing, system availability, or other operational needs.

When you provide contact information, we may use it to respond to your request and send service-related confirmations, reminders, or updates, subject to your choices and applicable law. Message and data rates may apply to text messages. Scheduling an appointment does not by itself enroll you in unrelated marketing communications.

5. Your Responsibilities

You agree to provide information that is accurate and complete to the best of your knowledge, keep access credentials confidential, and promptly correct material errors. You may not misuse the services, interfere with their operation, attempt unauthorized access, introduce malicious code, impersonate another person, or use the services for unlawful, fraudulent, or abusive purposes.

6. Third-Party Services and Links

Our website may link to or use services provided by insurance carriers, payment processors, scheduling providers, form providers, client portals, mapping services, accessibility tools, analytics providers, and other third parties. Their services are governed by their own terms and privacy practices. A link or integration does not mean that we control or guarantee the third party's availability, security, content, or performance.

7. Intellectual Property

The website's original text, design, graphics, logos, and other content are owned by or licensed to Oyer, Macoviak and Associates and are protected by applicable intellectual-property laws. You may view and print reasonable portions for personal, noncommercial use. You may not copy, modify, distribute, sell, or exploit the content without permission, except as allowed by law.

8. Privacy and Accessibility

Our Privacy Policy explains how we collect, use, and share information. Our Accessibility Policy explains our accessibility commitment and how to request assistance. These policies are incorporated into these Terms by reference where applicable.

9. Disclaimers and Limitation of Liability

To the fullest extent permitted by law, the website and online services are provided "as is" and "as available." We do not warrant that they will be uninterrupted, error-free, secure, or suitable for every purpose. We may change, suspend, or discontinue features at any time.

To the fullest extent permitted by law, Oyer, Macoviak and Associates and its owners, employees, agents, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of or inability to use the website or online services. Nothing in these Terms excludes liability that cannot lawfully be excluded or limits rights that cannot lawfully be waived.

10. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Subject to applicable law, disputes relating to these Terms or the online services will be brought in the state or federal courts located in Palm Beach County, Florida.

11. Changes to These Terms

We may update these Terms as our services, practices, or legal requirements change. We will post the revised Terms on this page and update the date above. Your continued use after an update means you accept the revised Terms to the extent permitted by law.

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms, together with the policies linked above and any applicable written insurance documents, contain the agreement governing use of the online services.

12. Contact Us