Terms & Conditions
of Use
This website (palffygroup.com) is owned and operated by the Palffy Insurance Group, Inc. The purpose of this website is to introduce our agency to consumers and small businesses, offer them a place to learn about insurance and insurance products, and offer an avenue in which they can shop for insurance coverage.
These Terms and Conditions of Use govern your use of this website. Your use of this website constitutes your unconditional agreement to follow and be bound by these Terms and Conditions of Use. If you do not agree to these Terms and Conditions of Use, do not use this website, do not provide any information or materials to this website, and/or do not download any materials from this website.
If you are dissatisfied with this website, please contact us. Otherwise, your only recourse is to disconnect from this website and refrain from visiting this site in the future.
If you have any questions about these Terms and Conditions of Use, contact us with your questions.
We reserve the right to update or modify these Terms and Conditions of Use at any time without prior notice to you. Your use of this website following any such changes constitutes your unconditional agreement to follow, and be bound by, these Terms and Conditions of Use as changed. For this reason, we encourage you to review these Terms and Conditions of Use whenever you use this website.
These Terms and Conditions of Use apply to the use of this website only (palffygroup.com) and do not extend to any linked third-party websites.
These Terms and Conditions of Use and our Online Privacy Policy, which is hereby incorporated by reference, contain the entire agreement between you and the Palffy Insurance Group with respect to this website. Any rights not expressly granted herein are reserved.
These Terms and Conditions of Use and our Online Privacy Policy, set forth the general rules and policies governing your use of this website. Depending on your activities on this website, you may be required to agree to additional terms and conditions.
Limitation of Use
Certain areas of this website contain content and are for the use of individuals, consumers, and business owners who are researching insurance-related topics. You are not permitted to use the contents of this website for commercial use of non-personal use. The content of this website is protected by copyright law.
Certain areas of this website are for the use of consumers and business owners who are shopping for insurance products and services. You are not permitted to use this website for any commercial use or non-personal use. You may only use this website for your own personal purposes
You are not permitted to bypass or circumvent any access restrictions.
You are not permitted to conduct any type of data collection activities on this website.
You are not permitted to use this website in any way that is illegal, fraudulent, or harmful. You are not permitted to to take any action that causes, or may cause, impairment of performance, accessibility, or availability of this website.
You are not permitted to use this website to host, transmit, store, copy, publish, or distribute any material that consists of, or is linked to, any malicious computer software, virus, spy-ware, key logger, worm, or Trojan.
Except for search engine indexing, you are not permitted to interact with this website using any automated means.
The Palffy Insurance Group reserves the right to prevent anyone who engages in non-permitted uses from accessing this website.
Copyright
All content on this website is the property of the Palffy Insurance Group, Inc. or the content suppliers. All content on this website is protected by United States and International copyright laws. Palffy Insurance Group, Inc. and its content suppliers own and control all of the copyright and other intellectual property rights on this website."Content" includes, but is not limited to, text, graphics, logos, PDF and digital downloads, audio files, video files, PDF files, images, button icons, software, quotes, and data compilations.
Some images on this site are protected by copyright, while others are public domain.
All software on this website is the property of Palffy Insurance Group or the software suppliers and is protected by United States and International copyright laws.
Aside from the exceptions listed below, you are not permitted to reproduce, retransmit, disseminate, rent, sell, publish, republish, broadcast, sub-license, duplicate, copy, or circulate any material from this website without the express written consent of the Palffy Insurance Group, Inc. You are not permitted to use any material from this website on other websites. You are not permitted to use any material from this website for commercial purposes.
You are permitted to use the information and material on this site for your private, non-commercial use only.
Except for copyrighted PDF files, you are not permitted to download any material from this website or save any material from this website on a computer or storage device.
You may view pages from this website in a browser. You may download PDF files from this website. You may print pages from this website only if the purpose is for private use and not for commercial use.
Trademarks
Trademarks on this website are the property of their respective owners.
Linking Policy
The Palffy Insurance Group welcomes links to this website when they are made in accordance with these Terms and Conditions of Use.
For clarification of our linking policy, send a message through the contact form on this website.
Guidelines for linking to palffygroup.com:
- You must use appropriate link text
- Links pointing to this website may not be misleading to the user
- You are not permitted to frame the content of this website
- You are not permitted to link to this website by using any in-line linking methods
You are not permitted to use the Palffy Insurance Group logo without express written permission to do so.
You agree that you will delete any link to our website that is within your control if we request the deletion of said link.
If you contact us to delete a link from this website to a website that is within your control, we will do so promptly.
Personal Accounts
If you open a personal account on this website or a partner website, you are responsible for keeping your account information confidential. You are responsible for restricting access to your computer and any computer that has access to your account. You are responsible for maintaining the confidentiality of your password. You agree to accept full responsibility for all activities that occur under your account and/or under your user name and password.When you are required to supply information, you must ensure that all the information you supply is accurate, true, and complete.
In order to open an account on this website, you must be at least 18 years of age and you must be legally authorized to open a personal account and to use this website.
Insurance products are only sold to adults age 18 and older. You may purchase insurance on behalf of a minor if you legally qualify to act on behalf of said minor. All activity inside your personal accounts must be performed by adults age 18 and older. Minors are prohibited from using an adult's personal account.
Existing Insurance Coverage
When you purchase insurance policies to replace existing coverage, you must not cancel any existing insurance policies until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect.
Legal Jurisdiction
When shopping for insurance, the insurance services and products described on this website are only for legal residents in the states and jurisdictions where such products and services may be legally sold.Nothing on this website shall be considered a solicitation to buy any products or services to any person in any jurisdictions where such a solicitation, purchase, or sale would be considered unlawful. Nothing on this website shall be considered an offer to sell any products and services to any person in any jurisdiction where such an offer, purchase, or sale would be considered unlawful.
If you are a legal resident of a state or jurisdiction in which the Palffy Insurance Group is licensed to sell insurance products and services, then the Palffy Insurance Group will facilitate the sale of insurance products to you. The licensed agent facilitating the sale will be listed as the agent of record.
If the Palffy Insurance Group is not licensed to sell insurance products and services in your state or jurisdiction, then an outside agency that is licensed in your state or jurisdiction will facilitate the sale. A licensed agent from said agency will be listed as the agent of record.
The Palffy Insurance Group is licensed in the following states:
- Illinois (License Number 100665405)
- Indiana (License Number 815346)
Applicable Law
By visiting this website, you agree that the laws of the State of Indiana, without regard to principles of conflict of laws, will exclusively govern these legal and licensing terms and any dispute of any sort that may arise between you and the Palffy Insurance Group.
Disclaimers
You expressly agree that your use of this website is at your sole risk.
Neither the Palffy Insurance Group nor any of the content suppliers can guarantee the accuracy and completeness of any of the information on this website. This website, and the information it contains, is provided on an "as is" and "as available" basis.
Neither the Palffy Insurance Group nor any of the content suppliers make any representations about the suitability of the information, products, or services contained on this website. All such information, products, and services are provided "as is" without warranty or any kind.
Neither the Palffy Insurance Group nor any of the content suppliers shall have any liability, contingent or otherwise, for the accuracy or completeness of the information provided on this site or for any decisions made, or action taken, by you in reliance upon the information on this website.
The Palffy Insurance Group makes no representations or warranties of any kind, express or implied, as to the operation of this website or the information or products included on this website.
The Palffy Insurance Group does not warrant that this website, this website's server, or email sent from the Palffy Insurance Group are free of viruses, malware, or other harmful components.
The Palffy Insurance Group will not be liable for any damages of any kind arising from the use of this site, including, but not limited to, indirect, incidental, punitive, and consequential damages, even if the Palffy Insurance Group was made aware of such damages.
Any links to other websites do not constitute an endorsement of the linked material by the Palffy Insurance Group. The Palffy Insurance Group disclaims all warranties, express or implied, of linked material.
To the extent that this website and all its information is provided free of charge, the Palffy Insurance group will not be liable for any loss or damage of any nature.
Limitations and Exclusions of Liability
This disclaimer will not limit or exclude any liability for death or personal injury resulting from negligence or for fraud or fraudulent misrepresentation.
This disclaimer will not limit any liabilities in a way not permitted by applicable law. This disclaimer will not exclude any liabilities that may not be excluded under applicable law.
If a provision of this disclaimer is determined to be unlawful or unenforceable, the other provisions will continue in effect. If any unlawful or unenforceable provision of this disclaimer would b e lawful or enforceable if part of it were deleted, that part will be deemed to be deleted and the remainder of the provision will continue in effect. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some of the disclaimers may not apply to you.
