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1. Acceptance of Terms

By accessing or using the New Dawn Insurance Agency website located at https://www.newdawn.guru (the "Site"), submitting any form, or opting into any communication from New Dawn Insurance Agency, you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree, please do not use the Site or submit your information.

These Terms apply to all visitors, users, and others who access or use the Site.

2. Website Use

You may use this Site for lawful purposes only. You agree not to:

  • Use the Site in any way that violates applicable federal, state, or local laws or regulations.
  • Transmit any unsolicited or unauthorized advertising or promotional material.
  • Attempt to gain unauthorized access to any portion of the Site or its related systems.
  • Use any automated tools (bots, scrapers, crawlers) to collect data from the Site without prior written consent.
  • Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission.

New Dawn Insurance Agency reserves the right to terminate access to the Site for any user who violates these Terms.

3. No Insurance or Legal Advice

The content on this Site — including articles, blog posts, calculators, guides, and any other materials — is provided for general educational and informational purposes only. It does not constitute personalized insurance, legal, financial, tax, or professional advice.

Insurance products, coverage options, premiums, and eligibility rules vary by individual circumstance, carrier, and state. Nothing on this Site should be relied upon as a substitute for consultation with a licensed insurance professional regarding your specific situation.

New Dawn Insurance Agency is a licensed independent insurance agency currently serving clients in Virginia. Availability of products and services may vary.

4. Intellectual Property

All content on this Site — including but not limited to text, graphics, logos, images, and page layouts — is the property of New Dawn Insurance Agency or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may view and print pages from the Site for your personal, non-commercial use only. Any other use requires our prior written consent.

This Site may contain links to third-party websites, including carrier portals, scheduling tools, and government resources (e.g., Medicare.gov, HealthCare.gov). These links are provided for your convenience only. New Dawn Insurance Agency does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party site.

We encourage you to review the terms and privacy policies of any third-party site you visit.

6. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

New Dawn Insurance Agency does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components, or that any information on the Site is accurate, complete, or current. Insurance rates, plan details, and regulatory requirements change frequently — always verify information directly with your carrier or a licensed agent.

7. Limitation of Liability

To the fullest extent permitted by applicable law, New Dawn Insurance Agency and its owner, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — this Site or any content contained herein, even if advised of the possibility of such damages.

Our total liability to you for any claims arising under these Terms shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.

8. SMS Terms & Conditions

By opting into SMS from a web form, scheduling page, phone call, or any other medium, you are agreeing to receive text messages from New Dawn Insurance Agency at the mobile number you provided.

Types of Messages

Depending on the services you request, SMS messages may include:

  • Appointment reminders — confirmations and reminders for scheduled consultations or calls.
  • Application & enrollment alerts — status updates on insurance applications, open-enrollment windows, or plan renewals.
  • Account notifications — policy updates, carrier notices, or time-sensitive coverage information.
  • Customer care — responses to inquiries submitted via our website, forms, or scheduling tools.
  • Educational & marketing messages — helpful resources, open-enrollment reminders, or updates about New Dawn's services.

Key SMS Terms

STOP
Reply to any message to opt out immediately. No further SMS will be sent.
HELP
Reply for assistance, or visit www.newdawn.guru.
Frequency
Messaging frequency may vary based on your inquiries and enrollment activity.
Rates
Message and data rates may apply. Check with your carrier.

Consent & Opt-In

You may consent to receive SMS by checking the opt-in box on any New Dawn web form, verbally during a phone consultation, or through any other affirmative opt-in mechanism we make available. Consent to receive marketing SMS is not required as a condition of purchasing any insurance product or service.

How to Opt Out

Reply STOP to any text message from New Dawn Insurance Agency at any time. You will receive one final confirmation message, and no further SMS will be sent except as required by law. To re-enroll, text START or re-submit your consent through any New Dawn web form.

Getting Help

Reply HELP to any message, or visit us at www.newdawn.guru for assistance. Message and data rates may apply. New Dawn Insurance Agency and its SMS provider are not liable for delayed or undelivered messages.

SMS Summary

By opting into SMS from a web form or other medium, you agree to receive SMS messages from New Dawn Insurance Agency, including appointment reminders, enrollment alerts, account notifications, customer care, and marketing messages. Message frequency varies. Message and data rates may apply.

9. Privacy

Your use of this Site and any information you provide — including via forms or SMS — is also governed by our Privacy Notice, which is incorporated into these Terms by reference. We do not sell your personal information.

10. Changes to These Terms

New Dawn Insurance Agency reserves the right to modify these Terms at any time. Changes are effective immediately upon posting to the Site. The effective date at the top of this page reflects the date of the most recent revision. Continued use of the Site following any update constitutes your acceptance of the revised Terms.

11. Contact Us

If you have questions about these Terms, please contact us: