Terms of Services

Welcome to arloburkagency. By accessing or using our website and services, you agree to comply with and be bound by these Terms of Services. These terms apply to all visitors, users, and anyone who accesses or uses our site. If you do not agree with any part of these terms, you should not use our website or services. We reserve the right to update or modify these terms at any time without prior notice, and your continued use of the site following any changes constitutes your acceptance of the new terms.

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site. You may not use our website in any way that could damage, disable, or impair the site or interfere with any other party's use. You are responsible for ensuring that all information you provide to us is accurate, current, and complete. Unauthorized use of our website may give rise to a claim for damages or constitute a criminal offense.

The information provided on our website is intended for general informational purposes and to help you understand our home insurance services. While we strive to keep the information accurate and up to date, we make no representations or warranties of any kind about the completeness, accuracy, or reliability of the information. Any reliance you place on such information is strictly at your own risk. The services we offer are subject to availability and may be modified, suspended, or discontinued at any time without notice. We are not liable for any unavailability of services or any loss or damage that may result from such unavailability.

Quotes provided through our website are estimates based on the information you provide and are not binding offers. Actual policy terms, coverage, and pricing may vary based on a full underwriting review and additional information we may require. We reserve the right to modify or withdraw any quote at any time before a policy is issued. All prices and fees are subject to change without notice. You are responsible for reviewing the final terms and conditions of any policy before accepting coverage. Payment terms and billing procedures will be outlined in your policy documents.

If you create an account on our website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to disable any user account at any time if we believe you have violated any of these terms or if we determine that your account poses a security risk. You may not use another person's account without permission or create an account using false or misleading information.

All content on our website, including text, graphics, logos, images, and software, is the property of arloburkagency or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view, download, and print content from our website for your personal, non-commercial use only. You may not reproduce, distribute, modify, or create derivative works from any content on our site without our prior written consent. Unauthorized use of our intellectual property may result in legal action.

Our website may contain links to third-party websites or services that are not owned or controlled by arloburkagency. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. By using our website, you acknowledge and agree that we are not responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services. We encourage you to review the terms and privacy policies of any third-party sites you visit.

To the fullest extent permitted by law, arloburkagency and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or services. This includes but is not limited to damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages. Our total liability to you for all claims arising from your use of our website or services shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

You agree to indemnify, defend, and hold harmless arloburkagency and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney fees, arising out of or in any way connected with your use of our website or services, your violation of these terms, or your violation of any rights of another party. We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

Any disputes arising out of or relating to these terms or your use of our website or services shall be resolved through binding arbitration in accordance with the rules of a recognized arbitration association. You agree to waive your right to a trial by jury or to participate in a class action lawsuit. Arbitration proceedings shall take place in the jurisdiction where arloburkagency is headquartered, and the arbitrator's decision shall be final and binding. Notwithstanding the foregoing, we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property or confidential information.

These Terms of Services shall be governed by and construed in accordance with the laws of the state in which arloburkagency is registered, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within that state for the resolution of any disputes. If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause or notice. Upon termination, your right to use the website will immediately cease, and you must destroy all copies of any content you have obtained from the site. The provisions of these terms that by their nature should survive termination, including but not limited to limitations of liability, indemnification, and dispute resolution, shall continue to apply after termination.