Permitted Uses and Users

We are West Virginia Insurance Agency and thank you for visiting our wvinsuranceagency.com website. Your privacy is important to us. This section is provided to give you information about use and sharing of information on this website. By accessing this website, you acknowledge and agree to the terms and provisions set forth below or incorporated herein (“Terms of Use”).

AGREEMENT TO BE LEGALLY BOUND BY THESE TERMS OF USE

Website User Agreement

Please read these Terms of Use carefully before using this website as they govern your access to and use of the website, as more fully explained below.

By using the website, including by navigating through pages within the website or downloading any content from the website, you agree to abide and be legally bound by these Terms of Use, including any changes or updates that may be posted on the website from time to time. The Terms of Use as posted on any given date that you use the website shall govern such use, and you should check the Terms of Use upon each visit to ensure you are familiar with the then current Terms of Use posted. If you do not agree to abide and be legally bound by these Terms of Use, our Privacy Policy, or any other terms published on the website, do not use the website and its functions or download any content from the website.

In addition to your agreeing to these Terms of Use by navigating through pages within the website, West Virginia Insurance Agency may further require you to reaffirm your agreement to and acceptance of these Terms of Use and/or Privacy Policy by checking a box, particularly upon accessing or using particular functions available on the website.

Limited License

The content on this website, including without limitation, the materials, information, text, software, code, scripts, graphics, photos, sounds, music, videos, interactive features and the like, as well as the trademarks, service marks, and logos (collectively, “Content”), are owned by or licensed unless expressly disclaimed and are subject to copyright, trademark and other intellectual property rights as applicable under law.

Subject to these Terms of Use, West Virginia Insurance Agency grants you a limited right to view and access the Content within this website for personal use only.

Permissions and Restrictions

As a user, you have permission to access and use the website as set forth in these Terms of Use, provided that:

A. You agree not to distribute any part of the website, in any medium, without the prior written consent of West Virginia Insurance Agency other than through functions and features provided through the website (such as a downloadable image).

B. You agree not to alter or modify any part of the website.

C. You agree not to use any part of the website for any commercial use without the prior written authorization of West Virginia Insurance Agency. Prohibited commercial uses do not include uploading of original material to the website approved in advance or expressly authorized by West Virginia Insurance Agency in writing.

D. You agree not to use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” or similar devices that access the website in a disruptive manner, send more request messages to the website’s servers in a given period of time than a human can reasonably produce in the same period of time using a conventional online web browser, or comb the site using automated devices for the purpose of displaying the website contents on any other website. Notwithstanding the foregoing, West Virginia Insurance Agency grants the operators of public search engines permission to use spiders to reference or link to materials on the site for the sole purpose of creating publicly available searchable indices of the materials. As with all provisions of these Terms of Use, West Virginia Insurance Agency reserves the right to revoke these exceptions either generally or in specific cases. You agree not to collect or harvest any personally identifiable information, including usernames, from the website, nor to use the communication systems provided by the website (e.g. comments, email) for any unlawful purpose. You agree not to solicit, for commercial purposes, any users of the website.

E. In your use of the website, you will otherwise comply with the terms and conditions of these Terms of Use and all applicable local, national, and international laws and regulations.

F. West Virginia Insurance Agency reserves the right to discontinue any aspect of the website at any time for any reason.

Disclaimer

CONTENT PROVIDED THROUGH THE WEBSITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. WEST VIRGINIA INSURANCE AGENCY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER CONTENT DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. FOR COMPLETE DETAILS ABOUT ANY POLICY OR SERVICES OFFERED BY WEST VIRGINIA INSURANCE AGENCY, YOU SHOULD CONTACT YOUR LOCAL AGENT. POLICIES AND SERVICES ARE OFTEN PROVIDED ON AN INDIVIDUAL BASIS AND WILL VARY DEPENDING ON YOUR SPECIFIC SITUATION. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR CONTENT WILL BE AT YOUR SOLE RISK. WEST VIRGINIA INSURANCE AGENCY RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO MAKE CHANGES TO THE TERMS OF USE, AND TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. WEST VIRGINIA INSURANCE AGENCY MAY MAKE ANY OTHER CHANGES TO THE SITE AND THE CONTENT AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE WEBSITE AT ANY TIME WITHOUT NOTICE.

THE SITE, AND CONTENT ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE.

Third Party Websites

As a convenience to you, West Virginia Insurance Agency may provide, on the website, links to websites operated by other entities. If you link to and use any such websites, you will leave this website, and you may be subject to the terms and conditions governing the use of such websites. Clicking on any link within this website to a third party website is done solely at your own risk, and it is your responsibility to take all protective measures to guard against viruses or other destructive elements that may arise or result from the use of any website.

West Virginia Insurance Agency makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links to third party websites do not imply that West Virginia Insurance Agency or this website sponsors, endorses, is affiliated or associated with such third parties, or that West Virginia Insurance Agency is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through such websites, or that any linked website is authorized to use any trademark, trade name, logo or copyright symbol of West Virginia Insurance Agency.

Information Provided By You

West Virginia Insurance Agency does not want you to, and you should not, send any confidential or proprietary information to West Virginia Insurance Agency via the website except as expressly or implicitly indicated by the website functionality. See West Virginia Insurance Agency’s Privacy Policy for additional information.

Do not send other business proposals, inventions or ideas to West Virginia Insurance Agency through the website. You agree that any materials or information that you or individuals acting on your behalf provide to West Virginia Insurance Agency will not be considered confidential or proprietary.

To the extent you provide any  materials or information to West Virginia Insurance Agency other than nonpublic personal information, you grant to West Virginia Insurance Agency an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, sublicense, transmit and distribute such materials and information, in any medium and in any form, and you further agree that West Virginia Insurance Agency is free to use any ideas, concepts or know-how that you or individuals acting on your behalf provide to West Virginia Insurance Agency through or by means of this website.

You further recognize that West Virginia Insurance Agency does not want you to, and you warrant that you will not, provide any information to West Virginia Insurance Agency that is defamatory, threatening, obscene, harassing, or otherwise unlawful, that infringes the intellectual property rights of another, or incorporates the proprietary material of another except as authorized.

Username Accounts

In order to access some features of the website, you may have to create a username account. The information you provide at that time will constitute the basis for your username account. You may never use another’s username account without permission.

When creating your username account, you must provide accurate and complete information. You agree that you will not provide a false or fraudulent email address.  By creating any username account that contains false information or omits any material information, you waive any rights, including those described in these Terms of Use.  

You are solely responsible for the activity that occurs on your username account.  Should you establish a username and password on the website, you must keep your username account password secure. West Virginia Insurance Agency is not responsible for any other User or third party’s use or theft of your username and password. You must notify West Virginia Insurance Agency immediately of any breach of security or unauthorized use of your username account. Although West Virginia Insurance Agency will not be liable for your losses caused by any unauthorized use of your username account, you will be liable for the losses of West Virginia Insurance Agency or others due to such unauthorized use.

West Virginia Insurance Agency reserves the right to take appropriate action against any person who misrepresents his or her identity or improperly or fraudulently accesses policy information on this website. This action may include, but is not limited to, legal action against any person accessing policy information in violation of any state or federal law or regulation.

West Virginia Insurance Agency may use the information you provided on this and any other website operated by West Virginia Insurance Agency for any purpose, commercial or non-commercial, including distribution of electronic mail messages to any email address provided.

Account Termination

West Virginia Insurance Agency may terminate any User’s username account and, to the extent possible, such User’s access to the website if that User is determined to have taken any action inconsistent with or in violation of these Terms of Use. Furthermore, West Virginia Insurance Agency may terminate, block or otherwise inhibit access to any website visitor it deems to have violated any of these Terms of Use including by blocking any IP address or other indication of the source of behavior, content or usage of the website that violates these Terms of Use.

Limitations of Damages

IN NO EVENT WILL WEST VIRGINIA INSURANCE AGENCY, ITS EMPLOYEES, OFFICERS, DIRECTORS OR ANY OF ITS SUBSIDIARIES BE LIABLE TO ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE ANY ASPECT OF THIS WEBSITE INCLUDING THE CONTENT AND FUNCTIONS OF THE WEBSITE OR ANY LINKED WEBSITE, EVEN IF WEST VIRGINIA INSURANCE AGENCY IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Changes to Terms of Use

West Virginia Insurance Agency reserves the right, at its sole discretion, to modify, add or remove all or any portion of these Terms of Use at any time. Changes will be effective when they are posted so that you have notice of such changes. Your continued use of the website after any changes are posted will be considered acceptance of those changes. If you do not agree to any changes, you may not continue to access or use the website. West Virginia Insurance Agency may terminate, change, suspend or discontinue any aspect of the website, including the availability of any features of the website, at any time and without notice or liability. West Virginia Insurance Agency may also impose limits on certain features and services or restrict your access to all or part of the website without notice or liability.

Location of Use and Choice of Law

This website is controlled, operated and administered by West Virginia Insurance Agency in the United States of America. West Virginia Insurance Agency makes no representation that this website, or any Content within the website, is appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. The website is not intended to, and may not be used to, provide information regarding insurance products in any state where West Virginia Insurance Agency is not licensed to do business. You may not use the website or export any Content in violation of United States export laws and regulations. If you access this website from a location outside of the United States, you are responsible for compliance with all local laws.

You and West Virginia Insurance Agency agree that the laws of the state of West Virginia govern these Terms of Use, without giving effect to any of its conflict of laws provisions that would direct the application of the laws of any other jurisdiction.

Relation to Other Agreements or Policies

These Terms of Use, and the West Virginia Insurance Agency Privacy Policy, which is hereby incorporated by reference, constitute the entire agreement between West Virginia Insurance Agency and you with respect to your use of the website and any Content.

Severability

If for any reason any portion or provision of these Terms of Use, is ruled to be unenforceable, that provision will be enforced to the maximum extent permissible so as to affect the intent of the Terms of Use, and the remainder of the Terms of Use will continue in full force and effect.

Social Media Guidelines

West Virginia Insurance Agency developed and offers certain social media channels for West Virginia Insurance Agency fans and followers. In some cases, West Virginia Insurance Agency permits visitors to its social media channels to post comments and other materials. West Virginia Insurance Agency is not responsible for inaccurate information, comments, etc. as made available by those accounts and their users.