Palffy Insurance Group

Terms of Use

This website (PalffyGroup.com) is owned and operated by the Palffy Insurance Group, Inc. The main purpose of this website is to introduce our agency to consumers and business owners and offer them a place to learn about insurance. The secondary purpose of this site is to offer an avenue in which consumers and small business owners can shop for (and apply for) insurance coverage.

Please carefully review the following basic rules that govern your use of this website. Please note that your use of this website constitutes your unconditional agreement to follow and be bound by these Terms and Conditions. If you do not agree to them, do not use this website, provide any materials to this website, or download any materials from this website.

We reserve the right to update or modify these Terms and Conditions at any time without prior notice to you. Your use of this website following any such change constitutes your unconditional agreement to follow and be bound by these Terms and Conditions as changed. For this reason, we encourage you to review these Terms and Conditions whenever you use this website.

These Terms and Conditions apply to the use of this website and do not extend to any linked third party sites. These Terms and Conditions and our Online Privacy Policy, which are 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.

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 or non-personal use. The content of this site 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 and business purposes.

You are not permitted to bypass or circumvent any access restrictions.

You are not permitted to conduct any type of data collection activities of this website.

You are not permitted to use this website in any way that is illegal, fraudulent or harmful. You are not permitted to use this website in connection with any illegal, fraudulent or harmful activity.

You are not permitted to take any action that causes, or may cause, damage to the website. You are not permitted 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, spyware, 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 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 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, 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 site 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, sell, publish, broadcast, 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 another website. You are not permitted to use any material from this website for a commercial purpose.

You are entitled to use the information 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 download pages from this website for caching in a web browser. You may print pages from this website.

Trademarks

Trademarks on this website are the property of their respective owners.

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 over. You may purchase insurance on behalf of a minor if you legally qualify to act on behalf of said minor. All activity inside personal accounts must be performed by adults age 18 and over. 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 Jurisdictions

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 jurisdiction where such a solicitation, purchase, or sale would be considered unlawful. Nothing on this website shall be considered an offer to sell any products or 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 the states or jurisdictions in which Palffy Insurance Group, Inc. is licensed to sell insurance products, 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 that agency will be listed as the agent of record.

The Palffy Insurance Group is licensed in the following states:

  • Illinois (License #100665405)
  • Indiana (License #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. The exception to this is in regard to Medicare plans, which are governed by Federal law.

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 of any kind.

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 in this website.

The Palffy Insurance Group does not warrant that this website, this website’s servers, or email sent from the Palffy Insurance Group are free of viruses, malware or other harmful components.

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 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 be 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.