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Terms of Service

Last Updated: 4/5/2025

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These Terms of Service (“Terms”) govern your access to and use of the website located at www.perryandassociatesinsurance.com (the “Site”) operated by Perry & Associates Insurance, LLC ("we," "our," "us"). By using our Site, you agree to be bound by these Terms. If you do not agree with these Terms, you may not use our Site.

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We reserve the right to modify, update, or change these Terms at any time without prior notice. Please check this page periodically for any changes. Continued use of the Site after any such changes shall constitute your consent to those changes.

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1. Acceptance of Terms

By accessing and using this Site, you agree to comply with and be bound by these Terms and any applicable laws or regulations. If you do not agree to these Terms, you should not use the Site or any services offered through the Site.

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2. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You may not:

  • Use the Site in any manner that could disable, overburden, damage, or impair the functionality of the Site or interfere with any other user’s access to the Site.

  • Attempt to gain unauthorized access to the Site or its related systems or networks.

  • Engage in any activity that violates applicable laws, regulations, or third-party rights.

  • Use the Site to transmit or distribute harmful software (such as viruses or malware).

  • Use the Site to collect, store, or transmit personal information without consent, or engage in any form of data mining or scraping.

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3. Insurance Products

  • Eligibility: To apply for insurance products on this Site, you must be at least 18 years old and have the legal capacity to enter into binding agreements.

  • Insurance Quotes: Any insurance quotes provided through this Site are for informational purposes only. The availability, terms, and premiums for any insurance product may vary and depend on your eligibility, the insurer’s underwriting, and other factors.

  • Policy Terms: Any insurance policy issued through this Site is subject to the terms and conditions of the insurance provider, which will be outlined in the policy documentation. Please review the full policy terms before purchasing any insurance product.

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4. User Accounts

In order to access certain features of the Site or to purchase insurance products, you may need to create an account. You agree to:

  • Provide accurate, current, and complete information when creating your account.

  • Maintain the confidentiality of your account login credentials and not share them with others.

  • Notify us immediately if you suspect any unauthorized access or use of your account.

You are responsible for all activities that occur under your account, whether authorized by you or not.

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5. Payment Terms

  • Premium Payments: If you purchase an insurance policy through this Site, you agree to pay the premiums in accordance with the payment terms set forth by the insurer and payment processor.

  • Billing Information: You are responsible for providing accurate and up-to-date billing information. We use third-party payment processors to handle financial transactions, and we do not store your full credit card details. All transactions are subject to the terms and conditions of the payment processor.

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6. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

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7. Disclaimers and Limitations of Liability

  • No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of any information on this Site.

  • No Liability for Insurance Products: We are not responsible for the content of any insurance policies purchased through Perry & Associates Insurance, LLC. The terms and conditions of each policy are governed by the insurance provider.

  • Limitation of Liability: To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages, or for any loss of profit, revenue, or data, arising from or in connection with your use of the Site or the services provided.

  • Service Interruptions: We do not guarantee that the Site will be uninterrupted or error-free. We may suspend or discontinue services at any time without notice.

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8. Intellectual Property

All content on the Site, including text, images, logos, designs, and trademarks, are the property of Perry & Associates Insurance, LLC or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not reproduce, distribute, or modify any content without our prior written consent.

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9. Termination

We may suspend or terminate your access to the Site at any time, without notice, for any reason, including but not limited to your violation of these Terms.

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​Upon termination, you must cease all use of the Site and destroy any content you have downloaded from the Site.

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10. Dispute Resolution

  • Arbitration: Any disputes arising from or related to these Terms, or your use of the Site, will be resolved through binding arbitration rather than in court. The arbitration will be conducted by a neutral third party and will be governed by the rules of the American Arbitration Association.

  • Class Action Waiver: You agree that any disputes will be resolved on an individual basis and not as part of a class action lawsuit.

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11. Governing Law

These Terms and any disputes arising out of or related to the Site will be governed by and construed in accordance with the laws of Kentucky, USA, without regard to its conflict of law principles.

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12. Indemnification

You agree to indemnify, defend, and hold harmless Perry & Associates Insurance, LLC, its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your breach of these Terms, or any violation of applicable laws.

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13. Changes to Terms of Service

We reserve the right to modify or update these Terms at any time. When we do, we will post the updated Terms on this page and update the "Last Updated" date at the top of the page. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

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14. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us at:

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Perry & Associates Insurance, LLC

Email: Robbie@Perryandassociatesinsurance.com
Phone: 606-510-2007
Address: 132 Frontier Blvd. Ste 102, Stanford, KY 40484

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