Terms of Service

Lowthian Insurance, LLC
(Last Updated October 2025)

Welcome to the website of Lowthian Insurance, LLC (“Lowthian Insurance,” “we,” “our,” or “us”).
These Terms of Service (“Terms”) govern your use of this website, including all pages and content contained within it (collectively, the “Website”).

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with any part of these Terms, please refrain from using this Website.

Except for content that you own and voluntarily share, all materials, graphics, text, and intellectual property on this Website are owned by Lowthian Insurance, LLC and/or its licensors.

All rights are reserved. You may not reproduce, distribute, or create derivative works from any portion of this Website without prior written permission.

You agree not to:

• Publish, sell, or commercialize any Website material in any form;
   
• Display or perform any Website material publicly without authorization;
   
• Use the Website in any manner that could damage, disable, or impair the Website or interfere with another user’s experience;
   
• Use this Website in violation of any applicable federal or Florida state laws or regulations;
   
• Engage in any automated data mining, scraping, or similar data extraction activities; or
   
• Use this Website to transmit or post unauthorized advertising or marketing content.
   

Lowthian Insurance, LLC collects and processes certain personal information that you voluntarily provide, such as your name, address, telephone number, email address, and demographic data.
We use this information only as necessary to deliver requested services, comply with applicable laws, or with your consent.

In accordance with Florida Statute § 501.171, Lowthian Insurance takes reasonable measures to protect personal data from unauthorized access, use, or disclosure.
For more details about how we handle your personal information, please refer to our Privacy Policy.

This Website and all content are provided “as is” and “as available” without any warranties of any kind, whether express or implied.

Lowthian Insurance, LLC makes no guarantees regarding the accuracy, completeness, or reliability of any information presented herein and expressly disclaims all implied warranties of merchantability or fitness for a particular purpose.
Nothing on this Website should be construed as financial, legal, or insurance advice specific to your situation.

To the fullest extent permitted by Florida law, Lowthian Insurance, LLC, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of this Website.
This includes, but is not limited to, damages for loss of data, profit, or business interruption.

You agree to indemnify and hold harmless Lowthian Insurance, LLC, its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, costs, and expenses (including reasonable attorney’s fees) arising from your use of this Website, your violation of these Terms, or your infringement of any rights of a third party.

If any provision of these Terms is found invalid or unenforceable under applicable law, such provision shall be severed, and the remaining Terms shall continue in full force and effect.

Lowthian Insurance, LLC reserves the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the Website after such modifications constitutes acceptance of the revised Terms.

Lowthian Insurance, LLC may assign, transfer, or delegate its rights and obligations under these Terms without prior notice. You may not assign or transfer any rights or obligations under these Terms without our prior written consent.

These Terms, together with any applicable legal notices, disclaimers, and our Privacy Policy, constitute the entire agreement between you and Lowthian Insurance, LLC concerning your use of this Website and supersede all prior agreements or understandings.

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

By using this Website, you consent to the exclusive jurisdiction of the state and federal courts located in Duval County, Florida for the resolution of any disputes arising under or relating to these Terms.