Terms and Conditions

By accessing and using the Website barkoninvestments.com and services offered by Barkon Investments LLC, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must immediately cease use of our Website and services.

We reserve the right to modify these Terms and Conditions at any time. Continued use of our Website following such modifications constitutes your acceptance of the revised terms.

Barkon Investments provides independent insurance brokerage services, including:

• Insurance consulting and needs analysis
• Quotation and comparison of insurance policies from multiple carriers
• Policy enrollment and application assistance
• Claims support and ongoing client service
• Medicare navigation and guidance
• Insurance planning and legacy planning services

Our services are provided by licensed insurance professionals in compliance with all applicable state and federal regulations.

Mitch Barkon is a licensed independent insurance broker authorized to conduct insurance business in Georgia, Texas, Michigan, Florida, Alabama, North Carolina, South Carolina, Ohio, and additional states as permitted by law.

We comply with all applicable state insurance laws, regulations, and fiduciary duties. Our services are subject to state insurance department oversight and regulation.

When using our Website and services, you agree to:

• Provide accurate, complete, and truthful information
• Not engage in fraudulent or illegal activity
• Maintain the confidentiality of any passwords or login credentials
• Not attempt to gain unauthorized access to our systems
• Not interfere with or disrupt our Website or services
• Comply with all applicable laws and regulations
• Not use our services to harm others or infringe on their rights

If you provide false or misleading information, we reserve the right to terminate your relationship with us and report such conduct to appropriate authorities.

As an independent insurance broker, Barkon Investments LLC may receive commissions from insurance carriers when policies are placed through us. These commissions are built into the insurance premiums and do not increase the cost to you.

Our commission does not change based on which insurance company you select. Our goal is to find you the best coverage at the best price, not to maximize our commission.

You will be informed of any fees associated with our services before you incur them.

Barkon Investments LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, arising from or related to your use of our Website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from our services shall not exceed the amount paid for such services or $1,000, whichever is less.

Some jurisdictions do not allow limitations on liability, so this limitation may not apply to you.

Our Website and services are provided "as is" without warranties of any kind. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee that our Website will be uninterrupted, error-free, or secure. We are not responsible for any technical issues, downtime, or loss of data.

While we strive to provide accurate information, we do not warrant the accuracy, completeness, or timeliness of any information on our Website.

All content on our Website, including text, graphics, logos, images, and software, is the property of Barkon Investments LLC or its content providers and is protected by copyright and intellectual property laws.

You may view and download content for personal, non-commercial use only. You may not reproduce, distribute, transmit, or display any content without our prior written permission.

Unauthorized use of our intellectual property may result in legal action.

If you submit testimonials, reviews, or other content to us, you grant us the right to use, reproduce, modify, and display such content for marketing and business purposes.

You represent that you own or have the right to grant these rights to your content, and that your content does not infringe on the rights of others.

We may remove any content that is illegal, offensive, or violates these terms.

We maintain the confidentiality of our client relationships and personal information in accordance with our Privacy Policy and applicable laws. Your personal information will be protected and used only as described in our Privacy Policy.

We comply with all state and federal privacy laws, including those specific to insurance and health information.

Any disputes arising from these Terms and Conditions or our services shall be governed by the laws of North Carolina, without regard to its conflict of law principles.

You agree to submit to the exclusive jurisdiction of the state and federal courts located in Wake County, North Carolina.

Before filing a legal action, we encourage you to contact us to attempt to resolve the dispute informally.

You agree to indemnify and hold harmless Barkon Investments LLC, its owners, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our Website, your violation of these terms, or your violation of any laws or rights of others.

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Barkon Investments LLC regarding your use of our Website and services.

If any provision of these terms is found to be invalid or unenforceable, such provision shall be severed, and the remaining provisions shall remain in full force and effect.

For questions about these Terms and Conditions, please contact us: