1. Website Purpose
This website is a landing page only. It does not:
• Sell insurance
• Bind coverage
• Provide insurance contracts
• Guarantee pricing
• Generate quotes
• Complete policy transactions
The sole purpose of this site is to allow visitors to contact our agency so we can discuss insurance options directly by phone or in person.
Any insurance decisions, quotes, or policy transactions occur only through a licensed agent, not through the website.
2. No Binding Coverage or Quotes Online
Submitting a form or calling us through a button on the site does not:
• Create a customer relationship
• Activate a policy
• Form a contract
• Guarantee coverage or pricing
Coverage becomes active only when an insurer issues a policy and the customer completes all required steps, including reviewing documents and paying applicable premiums.
3. Accuracy of Information
Information on this site is general and for educational or introductory purposes. It should not be considered:
• Advice
• A quote
• A guarantee of available products
• A substitute for speaking directly with an agent
We reserve the right to update or correct site information at any time.
4. Acceptable Use
You agree not to:
• Interfere with the website’s normal operation
• Attempt to access restricted systems
• Introduce malware or harmful code
• Use the site for illegal or fraudulent purposes
• Misrepresent your identity when submitting a contact form
We may block access to users who violate these rules.
5. Third Party Links
Our website may link to external resources for convenience. We are not responsible for the accuracy, privacy practices, or content of other websites.
Accessing third party links is at your discretion.
6. Privacy
Your use of this website is also governed by our Privacy Policy, which explains:
• What information we collect
• How we use it
• How we protect it
• Your rights under federal and New York law
Please review the Privacy Policy for full details.
7. Communications
By submitting your contact information, you consent to receive communication from us by phone, email, or text solely for the purpose of discussing insurance needs or answering your questions.
You may request to stop communications at any time.
8. Disclaimer of Warranties
The website is provided “as is.” We do not represent or guarantee that:
• The site will always be available
• It will be free of errors
• Content will always be current, complete, or accurate
• The site will be free of viruses or harmful components
Your use of the site is at your own risk.
9. Limitation of Liability
To the maximum extent allowed by law, Hallahan, McGuinness & Lorys Ltd. is not liable for:
• Website errors
• Data loss
• Delays or interruptions in access
• Content accuracy issues
• Any damages arising from your use of the site
Your sole remedy is to discontinue using the website.
10. Indemnification
You agree to defend and indemnify Hallahan, McGuinness & Lorys Ltd. against claims or damages resulting from:
• Your misuse of the site
• Your violation of these terms
• Your submission of false or misleading information
11. Changes to These Terms
We may update these Terms from time to time. The “Effective Date” at the top will show the latest version. Continued use means you accept the updated terms.
12. Governing Law
These Terms are governed by the laws of the State of New York and applicable federal laws. Any disputes will be handled in New York unless required otherwise by law.
13. Contact Us
If you have questions about these Terms, contact us:
Hallahan, McGuinness & Lorys Ltd.
Phone: (914) 939-8895