Terms & Conditions
Birdie Insurance
Parker & Banks LLC d/b/a Birdie Insurance
Effective Date: October 13, 2026
Welcome to Birdie Insurance.
These Terms & Conditions ("Terms") govern your use of www.birdie-insurance.com and the information and services made available through this website.
The website is operated by Parker & Banks LLC, doing business as Birdie Insurance ("Birdie Insurance," "we," "us," or "our").
By accessing or using this website, you agree to these Terms. If you do not agree, please discontinue use of the website.
1. About Birdie Insurance
Birdie Insurance is an independent insurance agency offering access to insurance products and services through authorized insurance carriers and intermediaries.
Our services may include assistance with homeowners, automobile, business, life, and other insurance products.
Insurance availability, eligibility, underwriting requirements, and coverage options vary by insurance carrier, state, and individual circumstances.
Birdie Insurance provides insurance services only where appropriately licensed and authorized.
2. Insurance Quotes and Estimates
Any insurance quote, premium estimate, coverage illustration, or product information provided through this website or by Birdie Insurance is for informational purposes until confirmed through the applicable insurance process.
Quotes may be based on information supplied by the applicant and are subject to:
Carrier underwriting guidelines and approval.
Verification of application information.
Available coverage options and eligibility requirements.
Applicable state laws and regulations.
Insurance carrier pricing and policy requirements.
Quoted premiums, deductibles, coverage terms, and availability may change before a policy is issued.
A quote does not guarantee acceptance, coverage, pricing, or policy issuance.
3. No Automatic Insurance Coverage
Submitting a quote request, completing an online form, communicating with Birdie Insurance, or receiving an insurance estimate does not automatically establish or bind insurance coverage.
Insurance coverage becomes effective only when properly authorized and confirmed by the insurance carrier or its duly authorized representative, subject to the terms and effective date of the applicable binder or policy.
No statement on this website should be interpreted as a guarantee that coverage has been issued or that a specific loss will be covered.
Do not cancel an existing insurance policy until replacement coverage has been confirmed as effective.
4. Accuracy of Information
Visitors and insurance applicants agree to provide information that is accurate and complete to the best of their knowledge.
Incomplete, inaccurate, or misleading information may affect insurance eligibility, premiums, coverage, or the handling of a claim.
It is the applicant's responsibility to review submitted information, insurance applications, proposed coverage, and issued policy documents for accuracy.
Please promptly notify Birdie Insurance of information requiring correction.
5. Insurance Coverage and Policy Documents
Insurance products are governed by the terms, conditions, exclusions, limitations, and endorsements of the policies issued by the applicable insurance companies.
Website descriptions and general explanations of insurance products do not replace official policy documents.
In the event of a discrepancy, the actual policy language and applicable law will govern.
Birdie Insurance does not guarantee that every insurance company or coverage option will be available to every applicant.
Customers are encouraged to review their policies carefully and ask questions about coverage, deductibles, exclusions, or policy limits.
6. Policy Changes, Cancellations, and Claims
Requests for policy changes, additional coverage, policy cancellation, or claims assistance may require direct communication with Birdie Insurance or the issuing insurance carrier.
Submitting a request through our website, by email, or through a general contact form does not guarantee that the requested action has been completed.
Policy changes and cancellations must be authorized and processed according to the carrier's requirements and applicable law.
Insurance claims are evaluated and administered by the applicable insurance carrier in accordance with the policy and applicable law.
For urgent claims or time-sensitive coverage matters, contact the insurance carrier directly using its designated service or claims channels.
The website is not an emergency reporting service.
7. Website Information and Educational Content
Birdie Insurance strives to provide useful and accurate information regarding insurance products and services.
However, website content is intended for general informational purposes and may not reflect every coverage option, carrier requirement, or regulatory change.
Nothing on this website constitutes a guarantee of coverage or a substitute for a review of your individual insurance needs.
Website content should not be interpreted as legal, tax, or investment advice.
8. Electronic Communications
By contacting Birdie Insurance electronically, you acknowledge that we may respond using the contact information you provide, subject to applicable laws.
Requests for insurance services may result in communications regarding quotes, applications, policy documents, renewals, or other service-related matters.
Any consent required for marketing text messages, automated calls, or promotional communications will be obtained separately when applicable.
Marketing consent is not required as a condition of obtaining an insurance quote or purchasing insurance where prohibited by law.
Electronic communications may not be completely secure. Please avoid submitting highly sensitive personal information through unsecured communication channels.
9. Privacy and Personal Information
Your use of this website is also subject to our Privacy Policy, which describes how Birdie Insurance collects, uses, and protects personal information.
By submitting personal information, you acknowledge that it will be handled as described in the Privacy Policy and in accordance with applicable law.
For additional information, please review our Privacy Policy at:
www.birdie-insurance.com/privacy-policy
10. Acceptable Website Use
Visitors agree to use this website only for lawful purposes.
You may not:
Submit fraudulent or intentionally misleading information.
Attempt to gain unauthorized access to website systems or customer information.
Interfere with website security or functionality.
Upload malicious code or use automated methods that disrupt the website.
Copy or misuse website content, trademarks, or other protected materials without authorization.
Birdie Insurance reserves the right to take reasonable action against misuse of its website, consistent with applicable law.
11. Intellectual Property
Website content, including original text, graphics, designs, branding, and logos owned by Birdie Insurance, is protected by applicable intellectual property laws.
The Birdie Insurance name, branding, and original website materials may not be reproduced or used commercially without prior authorization, except as permitted by law.
Third-party trademarks, insurance carrier names, and logos remain the property of their respective owners.
12. Third-Party Services and Links
This website may include links to insurance carriers, quoting platforms, payment portals, and third-party service providers.
These services may be governed by separate terms, privacy policies, and security practices.
Birdie Insurance does not control the operation or content of independently operated third-party websites.
Use of third-party services is subject to their applicable terms and conditions.
13. Website Availability and Disclaimer
Birdie Insurance makes reasonable efforts to maintain the availability and accuracy of its website.
However, the website may occasionally experience interruptions, technical errors, or outdated information.
To the extent permitted by applicable law, the website and its general informational content are provided without warranties regarding uninterrupted availability, completeness, or error-free operation.
Nothing in these Terms limits any legal duty owed by Birdie Insurance as a licensed insurance agency or any rights or remedies that cannot legally be waived.
14. Limitation of Liability
To the extent permitted by applicable law, Birdie Insurance is not responsible for losses arising solely from website interruptions, unauthorized third-party activity, or reliance on general website information without confirmation of the applicable insurance terms.
This provision does not exclude liability for misconduct, negligence, statutory violations, or other matters to the extent such liability cannot lawfully be excluded or limited.
Nothing in these Terms modifies the contractual obligations of an issuing insurer under an insurance policy or binder.
15. Changes to These Terms
Birdie Insurance may update these Terms & Conditions to reflect changes in website features, business operations, or legal requirements.
Revised Terms will be published on this website with an updated effective date.
Continued use of the website after an update constitutes acceptance of the revised Terms to the extent permitted by law.
16. Applicable Law
These Terms are subject to applicable federal and state laws.
Any dispute involving insurance products, agency services, or policy obligations will also be subject to the laws, contractual provisions, and regulatory requirements applicable to the specific transaction.
Nothing in these Terms overrides mandatory consumer protections or insurance regulations.
17. Contact Information
For questions regarding this website, its Terms & Conditions, or insurance services, please contact:
Birdie Insurance
Parker & Banks LLC d/b/a Birdie Insurance
Website: www.birdie-insurance.com
Email: brandon@birdie-insurance.com
Thank you for choosing Birdie Insurance. We look forward to helping you protect what matters most.