TERMS OF USE

These Terms of Use (“Terms”) govern your access to and use of the Burnn Group, LLC (“Burnn Group,” “we,” “us,” or “our”) website located at getburnn.com, including its pages, forms, tools, directories, links, content, and other website-based features we make available (collectively, the “Website”).

Please read these Terms carefully.

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By accessing or using the Website, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree with these Terms, please do not use the Website.

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These Terms apply to use of the Burnn Group Website. Separate insurance policies, carrier agreements, applications, disclosures, authorizations, notices, and other insurance documents may contain additional legally binding terms governing a particular insurance transaction.

If there is a conflict concerning insurance coverage, the applicable insurance policy and governing law control.

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1. About Burnn Group

Burnn Group is an independent insurance agency that assists customers with identifying, evaluating, obtaining, and servicing insurance coverage through insurance carriers and authorized insurance-market resources.

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Burnn Group is not the insurance carrier unless expressly stated otherwise.

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Insurance carriers establish their own:

• Eligibility requirements

• Underwriting criteria

• Rates and premiums

• Coverage terms

• Limits and deductibles

• Exclusions

• Policy conditions

• Renewal requirements

• Claims determinations

• Other underwriting and coverage decisions

 

Availability of insurance products and services may vary by jurisdiction, carrier, customer eligibility, underwriting requirements, licensing, market availability, and other factors.

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Nothing on this Website guarantees that a particular insurance product, carrier, price, rate, discount, coverage, or policy will be available to you.

 

2. A Quote Is Not Coverage

This is important.

A quote is not insurance coverage.

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Submitting a form, requesting a quote, receiving an estimate, communicating with Burnn Group, uploading information, speaking with a representative, or using any feature of the Website does not, by itself, create, bind, modify, extend, renew, or reinstate insurance coverage.

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Insurance coverage does not begin merely because information has been submitted through the Website. Coverage becomes effective only when it has been properly bound or issued through the applicable authorized insurance process and all applicable requirements for coverage have been satisfied.

Do not cancel, modify, or allow existing insurance coverage to expire based solely on a quote, estimate, website communication, or assumption that replacement coverage has become effective. When there is a question about whether coverage has been bound or is effective, contact Burnn Group or the applicable insurance carrier and obtain confirmation.

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3. The Insurance Policy Controls

Information appearing on this Website concerning insurance products, coverages, limits, deductibles, exclusions, endorsements, benefits, discounts, or other policy features is provided for general informational purposes.

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Website descriptions are not insurance contracts.

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Actual insurance coverage is governed by the terms, conditions, definitions, limitations, exclusions, endorsements, declarations, and other provisions contained in the insurance policy issued by the applicable insurance carrier.

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If information appearing on this Website differs from the applicable insurance policy, the policy controls, subject to applicable law.

Customers should review their insurance documents carefully and contact Burnn Group or the applicable carrier with questions concerning coverage.

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4. Insurance Availability and Eligibility

Not every insurance product, carrier, or coverage described or referenced on the Website is available to every person or business.

 

Availability may depend on factors including:

• State or jurisdiction

• Licensing

• Carrier appointments or market access

• Underwriting criteria

• Property characteristics

• Driving history

• Claims history

• Insurance history

• Business operations

• Consumer-report information where legally permitted

• Carrier eligibility requirements

• Market conditions

• Other applicable underwriting considerations

 

Insurance carriers and authorized insurance-market providers ultimately determine eligibility according to their respective underwriting requirements.

Burnn Group does not guarantee approval, acceptance, pricing, or availability of coverage.

 

5. Information You Provide

You agree that information you submit in connection with an insurance inquiry, quote request, application, service request, or other transaction will be accurate and complete to the best of your knowledge.

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Insurance quotes and underwriting decisions may rely substantially on the information provided. Incorrect, incomplete, outdated, or misleading information may affect:

• Quote accuracy

• Eligibility

• Premium

• Underwriting

• Coverage

• Policy issuance

• Renewal

• Claims

• Other insurance decisions

 

Additional information or verification may be required before insurance can be quoted, bound, issued, modified, or serviced.

Burnn Group and applicable insurance-market participants may request additional information when reasonably necessary for an insurance transaction.

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6. Consumer Reports and Underwriting Information

When you request an insurance quote or apply for coverage, certain consumer reports or other underwriting information may be obtained by authorized insurance platforms, insurance carriers, insurance-support organizations, or other authorized providers as part of the insurance quoting or underwriting process.

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Depending on the insurance product, carrier, jurisdiction, and applicable law, this may include:

• Motor Vehicle Records (MVRs)

• Claims-history information, including CLUE or similar reports

• Credit-based insurance scores or other permitted insurance scoring information

• Prior insurance information

• Driving history

• Property information

• Other consumer-report or underwriting information permitted by law

 

Burnn Group does not directly obtain these consumer reports. Information you provide may be transmitted to authorized insurance-market providers that obtain or use applicable reports in connection with quoting or underwriting.

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The particular information considered and how it affects insurance eligibility or pricing may vary by carrier, product, jurisdiction, and applicable law.

Where authorization, notice, disclosure, or other consumer rights are required by law, the applicable requirements will apply to the transaction.

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7. Website Forms and Quote Requests

The Website may allow you to submit information to request a quote, ask a question, request assistance, or begin an insurance-related conversation.

These forms are intended to make it easier to connect with Burnn Group.

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Submitting a Website form does not constitute an insurance application unless expressly identified as such, and it does not bind coverage. A Burnn Group representative may need additional information before an insurance request can be evaluated or submitted to an insurance carrier.

 

Unless specifically instructed otherwise through an appropriate method, please do not submit highly sensitive information through a general contact form, chat feature, or ordinary email, including:

• Full Social Security numbers

• Passwords

• Account credentials

• Full payment-card numbers

• Bank-account credentials

• Detailed medical records

• Sensitive claims documentation

• Other highly confidential information

 

If additional sensitive information is required, Burnn Group or an applicable insurance provider may provide instructions concerning an appropriate method for submitting it.

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8. No Insurance Advice Guarantee

Burnn Group may provide information and professional insurance-agency assistance intended to help customers understand and evaluate available insurance options. However, information available through the Website is general in nature and cannot account for every person's individual circumstances.

Website content should not be interpreted as legal, tax, accounting, investment, financial-planning, or other professional advice outside the scope of Burnn Group's authorized insurance activities.

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You remain responsible for reviewing insurance options and policy documents and for determining, with appropriate professional assistance where necessary, whether particular coverage meets your needs.

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Nothing on the Website guarantees that a particular amount or type of insurance will eliminate all financial risk or provide coverage for every possible loss.

 

9. Claims Center

The Website may provide a Claims Center or similar resource designed to help customers locate insurance-carrier claims information.

The Claims Center may provide carrier names, links, telephone numbers, websites, or other information intended to help users reach the appropriate insurance carrier. Burnn Group does not independently adjust, investigate, approve, deny, settle, or pay insurance claims unless expressly authorized to perform a particular function.

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Claims are handled according to the applicable insurance policy and the procedures of the insurance carrier and its authorized claims representatives.

 

A Website Claim Resource Is Not Claim Filing Confirmation

 

Accessing a carrier through the Burnn Group Claims Center does not mean Burnn Group has received, filed, or confirmed your claim.

 

When reporting a loss, follow the applicable carrier's instructions and obtain confirmation that the claim has been successfully received. If you are uncertain where to report a claim, you may contact Burnn Group for assistance locating the appropriate carrier resource.

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Emergencies

The Website and Claims Center are not emergency-response services. In an emergency involving immediate danger to life or property, contact the appropriate emergency authorities.

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10. Carrier Directory and Third-Party Information

Burnn Group may provide carrier directories, carrier logos, claims information, contact information, links, or other insurance-market resources for convenience.

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We make reasonable efforts to provide useful information but do not guarantee that third-party information will always be complete, current, or error-free. Insurance carriers may change:

• Contact information

• Website addresses

• Claims procedures

• Products

• Eligibility requirements

• Coverage offerings

• Rates

• Business practices

• Market availability

 

A carrier appearing on the Website does not necessarily mean that every Burnn Group customer is eligible for coverage from that carrier or that Burnn Group has access to every product offered by that carrier.

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11. Third-Party Websites and Carrier Portals

The Website may contain links to websites, claims systems, payment systems, carrier portals, quoting platforms, social-media services, maps, or other resources operated by third parties. Once you leave getburnn.com, you may be interacting directly with another organization.

Burnn Group does not control third-party websites and is not responsible for their availability, security, accessibility, privacy practices, content, accuracy, products, services, or business practices.

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The inclusion of a link does not necessarily constitute an endorsement of every product, service, statement, or practice of the linked organization.

Your use of a third-party website is subject to that provider's terms and policies.

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12. Communications

If you contact Burnn Group, request a quote, submit an inquiry, or otherwise provide contact information, we may contact you concerning your request, insurance needs, policy-related matters, customer service, or other relevant business matters.

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Communications may occur by telephone, email, or other methods you have provided or authorized, subject to applicable law.

Separate consent may be requested where legally required for particular automated, prerecorded, artificial-voice, telemarketing, or text-message communications. Marketing preferences do not necessarily affect communications reasonably necessary to respond to a request, conduct an insurance transaction, service an existing insurance relationship, address security matters, or provide legally required information.

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13. Electronic Communications

By communicating electronically with Burnn Group, you understand that ordinary electronic communications may carry security and delivery risks.

Emailing Burnn Group or submitting a general Website form does not guarantee immediate receipt or response.

 

Do not rely on email, website forms, or chat alone for time-sensitive insurance matters involving binding, cancellation, nonrenewal, reinstatement, claims deadlines, or changes to coverage. If a matter requires immediate confirmation, contact Burnn Group or the applicable insurance carrier using an appropriate method and obtain confirmation.

 

Burnn Group does not represent that every policy document, billing notice, cancellation notice, claim communication, or other carrier communication will be delivered through the Burnn Group Website.

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14. Privacy

Your use of the Website is also subject to the Burnn Group Privacy Policy.

 

Our Privacy Policy describes how Burnn Group may collect, use, disclose, and protect personal information associated with the Website and our insurance agency services. Use of third-party websites or carrier systems may be subject to separate privacy policies maintained by those organizations.

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15. Permitted Use of the Website

Burnn Group grants you a limited, revocable, non-exclusive, non-transferable permission to access and use the Website for lawful personal or legitimate business purposes consistent with these Terms.

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This permission does not transfer ownership of the Website or any Burnn Group intellectual property to you.

 

You may not use the Website in a manner that violates applicable law, interferes with its operation, compromises security, harms another person, or infringes Burnn Group's or another party's rights.

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16. Prohibited Uses

You agree not to:

• Attempt unauthorized access to the Website, servers, systems, accounts, or data

• Circumvent Website security measures

• Introduce viruses, malware, ransomware, malicious code, or other harmful technologies

• Interfere with Website operation or availability

• Impersonate another person or organization

• Submit intentionally false or fraudulent information

• Use the Website for unlawful or fraudulent activity

• Scrape, crawl, harvest, extract, or systematically collect Website data without authorization

• Use bots or automated systems in a manner that places an unreasonable burden on the Website

• Reverse engineer Website technology except where such restriction is prohibited by law

• Copy or republish substantial Website content without authorization

• Remove copyright, trademark, or other proprietary notices

• Use Burnn Group's branding in a manner likely to create confusion concerning affiliation, sponsorship, or endorsement

• Attempt to obtain another person's personal information without authorization

• Interfere with another person's use of the Website

• Use Website content to create a competing or misleading service through unauthorized reproduction

• Engage in conduct intended to compromise the Website's security, integrity, or operation

 

Burnn Group may restrict or terminate access to the Website when reasonably necessary to protect the Website, Burnn Group, its customers, third parties, or applicable legal rights.

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17. Intellectual Property

Unless otherwise indicated, the Website and its original content, including its:

• Text

• Copywriting

• Branding

• Logos

• Graphics

• Page designs

• Layouts

• Icons

• Illustrations

• Photography owned by Burnn Group

• Videos

• User-interface elements

• Website architecture

• Original written materials

• Other proprietary materials

 

are owned by or licensed to Burnn Group and are protected by applicable intellectual-property laws. Nothing in these Terms grants permission to use Burnn Group's trademarks, trade names, branding, copyrighted material, or other intellectual property except as necessary for ordinary lawful use of the Website.

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Third-party trademarks, carrier logos, names, and other intellectual property remain the property of their respective owners. Their appearance on the Website does not transfer ownership to Burnn Group or the Website user.

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18. Content You Submit

If the Website allows you to submit text, photographs, documents, feedback, or other materials, you represent that you have the right to provide those materials and that doing so does not violate applicable law or another person's rights.

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You retain ownership of materials you own.

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By submitting materials reasonably necessary for an insurance or service request, you authorize Burnn Group to use, reproduce, transmit, store, and disclose those materials only as reasonably necessary to process your request, provide services, operate our business, comply with law, or otherwise as described in our Privacy Policy.

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We intentionally do not claim ownership of your insurance documents, photographs, or other customer materials merely because you provide them to us.

 

19. Website Content and Accuracy

Burnn Group works to keep Website information useful and current.

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However, insurance markets, carrier requirements, laws, rates, product availability, contact information, and other information can change. We do not warrant that every Website statement will always be complete, current, or free from error. Burnn Group may correct, modify, update, or remove Website content without prior notice.  You should verify information that is material to an insurance decision with Burnn Group or the applicable insurance carrier.

 

20. Website Availability

We want the Website to work when you need it. However, no website can be guaranteed to operate continuously.

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The Website may occasionally become unavailable because of:

• Maintenance

• Software updates

• Hosting interruptions

• Internet outages

• Cybersecurity events

• Third-party service interruptions

• Technical problems

• Circumstances beyond Burnn Group's reasonable control

 

Burnn Group does not guarantee uninterrupted or error-free access to the Website. If the Website is unavailable and you have an urgent insurance matter, contact Burnn Group or the applicable insurance carrier through another available method.

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21. No Warranties Regarding the Website

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND GENERAL WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

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BURNN GROUP DOES NOT WARRANT THAT THE WEBSITE WILL ALWAYS BE AVAILABLE, COMPLETELY SECURE, ERROR-FREE, OR SUITABLE FOR EVERY PARTICULAR PURPOSE. THIS WEBSITE DISCLAIMER DOES NOT ALTER, LIMIT, OR REPLACE RIGHTS OR OBLIGATIONS ARISING UNDER AN INSURANCE POLICY OR RIGHTS THAT CANNOT LAWFULLY BE WAIVED OR LIMITED.

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22. Limitation of Liability

To the maximum extent permitted by applicable law, Burnn Group and its owners, officers, employees, representatives, agents, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising solely from your use of or inability to use the Website, including losses resulting from Website interruptions, third-party links, or reliance on general Website information.

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Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited.

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Nothing in this section changes the obligations of an insurance carrier under an applicable insurance policy or eliminates any duty or liability imposed on Burnn Group by applicable insurance law. The limitations in this section apply only to the maximum extent permitted by applicable law.

 

23. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Burnn Group and its owners, officers, employees, representatives, and agents from third-party claims, liabilities, losses, damages, and reasonable costs arising from your:

• Unlawful use of the Website

• Material violation of these Terms

• Infringement of another person's intellectual-property or other legal rights

• Submission of content you do not have the right to provide

• Fraudulent, malicious, or intentionally harmful conduct involving the Website

 

This provision is not intended to require you to indemnify Burnn Group for Burnn Group's own conduct where such indemnification is prohibited by applicable law.

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24. No Waiver of Consumer or Insurance Rights

These Terms govern use of the Burnn Group Website.

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They are not intended to waive, reduce, or eliminate rights provided to consumers, insureds, applicants, or policyholders that cannot lawfully be waived under applicable federal or state law. Insurance-related rights and obligations may also be governed by the applicable policy, carrier documentation, insurance statutes, regulations, and regulatory requirements.

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25. Changes to These Terms

Burnn Group may update these Terms periodically to reflect changes in:

• Website functionality

• Business practices

• Insurance services

• Technology

• Legal requirements

• Security practices

• Other relevant circumstances

 

Updated Terms will be posted on getburnn.com with a revised Last Updated date. Changes will apply prospectively as provided by applicable law.

When applicable law requires additional notice or consent, Burnn Group will provide it as required.

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26. Suspension or Discontinuation

Burnn Group may modify, suspend, restrict, or discontinue all or part of the Website when reasonably necessary.

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We may also restrict access when reasonably necessary because of suspected fraud, misuse, cybersecurity concerns, unlawful activity, violations of these Terms, or threats to the Website or other users. Discontinuation of a Website feature does not, by itself, cancel or alter an insurance policy.

 

27. Governing Law

These Terms are governed by applicable federal law and, to the extent state law applies, the laws of the state in which Burnn Group is principally located, without regard to conflict-of-law principles, except where another jurisdiction's law must apply.

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Nothing in these Terms changes any governing-law, venue, jurisdiction, dispute-resolution, or other provision contained in an applicable insurance policy or other separate agreement.

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28. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the extent necessary and permitted by law. The remaining provisions will continue in effect to the extent permitted by law.

 

29. No Waiver

Burnn Group's failure to enforce a provision of these Terms on one occasion does not constitute a waiver of that provision or our right to enforce it later.

 

30. Assignment

You may not assign or transfer your rights or obligations under these Terms without Burnn Group's prior written consent.

Burnn Group may assign its rights and obligations in connection with a merger, acquisition, reorganization, sale of the business or assets, or other lawful business transaction, subject to applicable law.

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31. Entire Agreement Regarding Website Use

These Terms, together with the Burnn Group Privacy Policy and other legal notices expressly applicable to the Website, constitute the agreement between you and Burnn Group concerning general use of the Website. They do not replace an insurance policy, application, binder, endorsement, carrier agreement, disclosure, authorization, or other separate insurance document.

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32. Contact Burnn Group

Questions concerning these Terms or use of the Website may be directed to:

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Burnn Group, LLC
Website: getburnn.com
Email: burnn@getburnn.com
Phone: (503) 662-7890

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Please do not include Social Security numbers, financial credentials, passwords, or other highly sensitive information in an initial general email.

 

Before You Go

Insurance can involve a lot of documents, terminology, decisions, and fine print. Our Website is designed to make that process easier to navigate, not to replace the policy that ultimately protects you.

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A quote is not coverage.
A website is not your policy.

And asking questions is always encouraged.

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Insurance is what we provide.
Reassurance is what you'll leave with.