Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Fudge Insurance website and related services (collectively, the "Site"). By accessing or using the Site you agree to these Terms. If you do not agree, do not use the Site.

1. No insurance offer or contract

Content on this Site is for general information only and is not an offer to sell or a solicitation to buy any insurance product. Coverage descriptions are summaries; the actual terms, conditions, exclusions, and limits of any policy are governed solely by the policy documents issued by the applicable insurance carrier. No coverage is bound, modified, or terminated by submitting a form, sending an email, or leaving a voicemail through this Site.

2. Licensing

Fudge Insurance is a licensed insurance agency operating in the State of Florida. Products and services are offered only in states where Fudge Insurance and its producers are properly licensed.

3. Eligibility

You must be at least 18 years old and able to enter a binding contract to use the Site. By using the Site you represent that the information you submit is accurate and that you are authorized to submit it.

4. Acceptable use

• Do not use the Site for any unlawful, fraudulent, or misleading purpose.
• Do not attempt to disrupt, reverse-engineer, or gain unauthorized access to the Site or its systems.
• Do not submit information about another person without their permission.

5. Intellectual property

The Site, including its text, graphics, logos, and code, is owned by Fudge Insurance or its licensors and is protected by U.S. and international intellectual property laws. You may view and print pages for your personal, non-commercial use only. All other rights are reserved.

6. Third-party links

The Site may contain links to third-party websites or services. We do not control and are not responsible for the content, policies, or practices of any third parties.

7. Disclaimers

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FUDGE INSURANCE AND ITS AFFILIATES, OFFICERS, PRODUCERS, AND EMPLOYEES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.

9. Indemnification

You agree to defend, indemnify, and hold Fudge Insurance harmless from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.

10. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or the Site will be brought exclusively in the state or federal courts located in Orange County, Florida, and you consent to the personal jurisdiction of those courts.

11. Changes to these Terms

We may update these Terms from time to time. Changes are effective when posted to this page with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Contact

Fudge Insurance
1155 S. Semoran Blvd., Suite 3-1142
Winter Park, FL 32792
Phone: (407) 965-4168