Terms of Use

Acceptance of these terms

By accessing or using AgentDavidCares.com, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.

Information only

The website provides general educational information about insurance, employee benefits, business networking, and related topics. Website content is not a quote, policy, contract, offer of coverage, or recommendation for your particular circumstances.

AgentDavidCares.com does not provide legal, tax, accounting, or medical advice. Consult an appropriate licensed professional for advice in those areas.

Insurance availability and decisions

Insurance products, plan designs, eligibility, pricing, underwriting, networks, and availability vary by carrier, state, employer group, and individual circumstances. Some products are guaranteed issue and some require underwriting. Coverage is governed by the applicable policy or contract, not by this website.

Do not cancel, replace, or change coverage based only on website content. Review the actual plan documents and speak with a licensed insurance professional first.

No guarantee of results

Examples, stories, savings figures, refunds, tax illustrations, and outcomes describe particular situations. They do not promise or guarantee that another employer or individual will receive the same result. Any review depends on complete, accurate information and the options available at that time.

Appointments, events, and third-party calendars

Appointment and networking schedules may be provided by outside services and can change without notice. Calendar links are offered for convenience. Confirm the current time, time zone, location, registration requirements, and attendance details with the organizer before relying on an entry.

Third-party websites

This site may link to insurers, government resources, networking organizations, calendar providers, video platforms, and other third parties. AgentDavidCares.com does not control their content, availability, privacy practices, or security. A link does not necessarily mean endorsement.

Permitted use

You may use this site for lawful, personal, and business-information purposes. You may not interfere with the site, attempt unauthorized access, introduce harmful code, scrape it in a way that disrupts service, misrepresent its content, or use it to violate another person's rights.

Intellectual property

Unless otherwise noted, the site's original text, branding, design, and other content belong to AgentDavidCares.com and are protected by applicable law. Group Benefits Better™, Group Benefits Differently™, Medical Balance Protection™, and From Farm to Office™ are claimed trademarks. You may share links and brief quotations with attribution, but may not republish substantial content without written permission.

Site availability and accuracy

We work to keep the site useful and accurate, but information can become outdated and the site may occasionally be unavailable. We may correct, change, remove, or update content at any time without notice.

Limitation of liability

To the fullest extent permitted by law, AgentDavidCares.com and David Vudragovich will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of, or inability to use, this site or linked third-party services. Nothing in these terms excludes liability that cannot legally be excluded.

Governing law

These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles. Any dispute will be handled in a court with proper jurisdiction in Tennessee, unless applicable law requires otherwise.

Changes to these terms

We may update these terms when the site, services, or legal requirements change. The Updated date above reflects the site's current published version. Continued use after a change means you accept the revised terms.

Contact

Questions about these terms may be sent to David@AgentDavidCares.com, by telephone at 865.806.5837, or by mail to AgentDavidCares.com, PO Box 61, Pikeville, TN 37367.