Website Terms.

Using the Davro website

These terms apply to the public website operated by Davro Insurance Group, LLC. Please use it lawfully and provide accurate information when you ask for help. Our Privacy Notice explains how we handle information. Our SMS Terms apply separately if you choose to receive text messages.

Using this website does not enroll you in a text-message program or give consent to marketing calls or messages.

Helpful information, not a policy

Website information is intended to help you understand insurance topics and decide what to discuss with a licensed agent. It is not a personalized recommendation, a coverage guarantee or a substitute for the terms of an actual policy.

Products, prices, eligibility and availability vary by carrier, state and individual circumstances. We can help with a product only where the appropriate licensing and carrier requirements are satisfied. Website information may change, so confirm important details with your agent and the carrier before making a decision.

Davro is an independent insurance agency, not an insurance company or government agency. We are not affiliated with or endorsed by the federal Medicare program. Carrier policy documents and applicable law govern coverage.

Forms, appointments and coverage requests

A contact form, quote request, appointment booking or message does not bind coverage, enroll you in a plan, change a beneficiary or cancel an existing policy. Those actions require the applicable authorized process and confirmation.

If you need to change an appointment, use the options provided in your confirmation or contact your agent. An email unsubscribe or text-message opt-out does not cancel the appointment.

Share information carefully

Use forms and messages only for their stated purpose. Do not include sensitive identification, payment or medical information in general website inquiries. Your agent can explain how to provide the information needed for your particular request.

The website and messaging services are not for emergencies. For urgent medical help, contact emergency services. For a time-sensitive insurance deadline or claim, contact your agent or carrier directly rather than relying only on a website message.

Respect the website and other people

Do not impersonate another person, submit information you are not authorized to share, send spam, upload harmful material or try to bypass access controls.

Davro’s name, logos, designs and original content belong to Davro or their respective owners. You may view, save or print website material for your personal insurance research, but you may not present it as your own or use it to imply a relationship we have not authorized.

Third-party services

Our website includes or links to scheduling, forms, carrier tools and other services provided by third parties. Those services may have additional terms and privacy notices. We do not control every feature, availability or decision of a third-party provider.

Availability and your rights

We work to keep the website useful and accurate, but access may be interrupted and information may contain errors. Please tell us about a problem so we can address it. Nothing in these terms removes rights or responsibilities that cannot be excluded under applicable law, or changes the terms of an insurance policy.

Updates and questions

We may update these terms as the website changes. The effective date identifies the current version. Changes do not create new marketing consent or alter an existing policy.

For website questions, contact [email protected] or (720) 500-5700. For a privacy concern or an issue you want our owners to review, contact [email protected].