Terms & Conditions

1. Website Use

This website is provided for informational and educational purposes related to our insurance products and services. You may use the site only for lawful purposes and in accordance with these Terms & Conditions.

You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to interfere with the security or functionality of the site
• Impersonate any person or entity or misrepresent your affiliation
• Use automated means (such as bots, crawlers, or scrapers) without our prior written consent

2. No Insurance Contract or Coverage Guarantee

Information provided on this website does not constitute an offer to sell insurance or create a binding insurance contract. Submission of information through our forms does not create coverage. Coverage is not effective until confirmed in writing by a licensed agent and all underwriting requirements are satisfied.

3. Intellectual Property Rights

All content, logos, graphics, images, and other materials on this website are the property of Kalpakis Insurance Group, LLC or its licensors and are protected by intellectual property laws. You may not copy, reproduce, distribute, or modify any content without our prior written permission, except for personal, non-commercial use.

4. Third-Party Links

Our website may contain links to third-party websites for convenience or reference. We do not control or endorse these websites and are not responsible for their content, products, services, or privacy practices. Use of third-party sites is at your own risk.

5. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the website's operation or the information, content, or services included on it. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non- infringement.

6. Limitation of Liability

To the maximum extent permitted by law, Kalpakis Insurance Group, LLC, its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the website, even if advised of the possibility of such damages. Our total liability for any claim shall not exceed the amount paid by you (if any) for accessing the website.

7. Indemnification

You agree to defend, indemnify, and hold harmless Kalpakis Insurance Group, LLC, its affiliates, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms & Conditions or your use of the website.

8. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Pennsylvania.

9. Changes to These Terms

We may revise these Terms & Conditions at any time without prior notice. The updated version will be posted on this page with a new Effective Date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

10. Contact Us

If you have any questions about these Terms & Conditions, please contact us at: