Terms and Conditions
1. Introduction
1.1 These terms and conditions govern the relationship between Demarco Capital Management LLC, also known as bkofdc.com, hereinafter referred to as "the Agency," and the client, hereinafter referred to as "the Policyholder," in the provision of insurance-related services.
2. Scope of Services
2.1 The Agency agrees to provide insurance-related services to the Policyholder, including but not limited to policy issuance, claims processing, and policy management.
2.2 The Policyholder acknowledges that the Agency acts as an intermediary and will source insurance coverage from reputable insurance carriers on behalf of the Policyholder.
3. Policy Issuance and Coverage
3.1 The issuance of any insurance policy is subject to the underwriting guidelines and approval of the chosen insurance carrier.
3.2 The Policyholder understands that the terms and conditions of each insurance policy are set by the respective insurance carrier and may vary.
4. Premium and Memberships Payments
4.1 The Policyholder is responsible for the timely payment of insurance premiums as outlined in the policy terms. If policyholder signs up for a membership the agency is responsible for allocating payments to keep policy active.
4.2 Failure to make premium payments may result in policy cancellation or other adverse consequences. The Agency shall not be liable for any losses arising from non-payment of premiums unless customer agrees to become a member.
5. Claims Handling
5.1 The Policyholder must promptly report any claims to the Agency. The Agency will assist the Policyholder in the claims process, acting as a liaison between the Policyholder and the insurance carrier.
5.2 The Agency does not guarantee the approval of any claim, as the final decision rests with the insurance carrier.
6. Client Responsibilities
6.1 The Policyholder agrees to provide accurate and complete information when applying for insurance coverage or filing a claim.
6.2 The Policyholder is responsible for notifying the Agency of any changes in circumstances that may affect the insurance coverage or premium rates.
7. Confidentiality
7.1 The Agency will handle all client information with the utmost confidentiality and will only disclose such information as required by law or with the Policyholder's explicit consent.
8. Termination of Services
8.1 Either party may terminate the agency-client relationship with written notice. Termination shall not relieve the Policyholder of any obligations under existing insurance policies.
9. Governing Law
9.1 These terms and conditions shall be governed by and construed in accordance with the laws of Maryland.
10. Amendments
10.1 The Agency reserves the right to update these terms and conditions at any time. The Policyholder will be notified of any changes, and continued use of the Agency's services constitutes acceptance of the amended terms.
By engaging the services of Demarco Capital Management LLC, the Policyholder acknowledges and agrees to these terms and conditions.
Date: 3/9/2024
Demarco Capital Management LLC
Baltimore, MD
frontoffice@bkofdc.com