Terms of Service

These Terms of Service ("Terms") govern your access to and use of AskLewisHoward.com (the "Site"), operated by BLH Group, LLC d/b/a Lewis Howard Insurance Group ("Lewis Howard Insurance Group," "we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Educational Purpose; Not Advice

The Site provides general educational and informational content about Florida property insurance, statutes, and risk concepts. It does not constitute insurance, legal, tax, or financial advice, and it is not a substitute for advice from a licensed professional regarding your specific situation. You should not act on Site content without obtaining appropriate professional advice.

2. No Coverage Bound; No Guarantee of Rates

Using the Site, submitting a form, registering for the Pre-Launch Executive Registry, or using interactive tools does not create an insurance policy, bind coverage, or guarantee any premium, rate, eligibility, or outcome. No coverage exists unless and until it is issued in writing by an admitted insurer and you receive a policy. Tool results and illustrations are estimates for educational purposes only.

3. Statutory Information May Change

References to statutes, bills, regulations, programs, and figures reflect our understanding as of the dates indicated and may change. We do not warrant that such information is current, complete, or applicable to your circumstances.

4. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site. You agree to provide accurate, current, and complete information when you submit forms.

5. Pre-Launch Registry and Briefing

The Pre-Launch Executive Registry and any briefing or masterclass are offered for informational purposes and may be limited, modified, rescheduled, or discontinued at our discretion. Registration does not guarantee participation, representation, or any particular service.

6. Intellectual Property

The Site and its content, including text, graphics, logos, and the arrangement thereof, are owned by or licensed to BLH Group, LLC and are protected by applicable laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission, except for personal, non-commercial use.

7. Your Submissions

You are responsible for the information you submit and represent that you have the right to provide it. By submitting information, you grant us permission to use it to respond to you and provide the services described, consistent with our Privacy Policy.

8. Disclaimers

The Site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the fullest extent permitted by law, BLH Group, LLC and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Site, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless BLH Group, LLC and its members, officers, employees, and agents from any claims, damages, liabilities, and expenses arising from your misuse of the Site or violation of these Terms.

11. Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. You agree that any dispute arising from these Terms or the Site will be resolved in the state or federal courts located in Osceola County, Florida.

12. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective date" above. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

13. Contact Us

Questions about these Terms? Contact us at:
BLH Group, LLC d/b/a Lewis Howard Insurance Group
Email: [email protected]