Terms & Conditions

Agreement to Terms

By accessing and using the DelphInsurance website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our website or services.

Use of Our Services

Eligibility

You must be at least 18 years old to use our services. By using our website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

Account Registration

To access certain features of our services, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account

Insurance Quotes and Coverage

DelphInsurance acts as an insurance intermediary connecting you with insurance carriers. Please note:

• Quotes provided on our website are estimates and not binding offers
• Final premium rates are determined by the insurance carrier
• Coverage is subject to underwriting approval and policy terms
• We do not guarantee acceptance of any insurance application
• Policy terms and conditions are governed by the insurance carrier's contract

Intellectual Property Rights

All content on the DelphInsurance website, including text, graphics, logos, images, and software, is the property of DelphInsurance or its licensors and is protected by copyright and trademark laws.

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use our trademarks or branding without written permission
• Remove or alter any copyright or proprietary notices
• Use automated tools to access or scrape our website

Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws or regulations
• Providing false or misleading information
• Impersonating another person or entity
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of our website
• Transmitting viruses, malware, or other harmful code
• Engaging in fraudulent activities or insurance fraud
• Harassing, threatening, or abusing our staff or other users

Payment and Billing

If you purchase insurance through our platform:

• You authorize us to charge your payment method for premiums and fees
• Payments are due according to the schedule specified in your policy
• Failure to pay premiums may result in policy cancellation
• All fees and charges are non-refundable except as required by law
• You are responsible for maintaining valid payment information

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• Our services will be uninterrupted, timely, or error-free
• The information provided is accurate, complete, or reliable
• Any defects or errors will be corrected
• Our website is free from viruses or harmful components

Limitation of Liability

To the maximum extent permitted by law, DelphInsurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or alteration of your data
• Any conduct or content of third parties on our website
• Any content obtained from our website

Indemnification

You agree to indemnify, defend, and hold harmless DelphInsurance and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your violation of these Terms or your use of our services.

Third-Party Services

Our website may contain links to third-party websites or services that are not owned or controlled by DelphInsurance. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.

Termination

We reserve the right to terminate or suspend your account and access to our services at any time, without prior notice, for any reason, including violation of these Terms.

Upon termination:

• Your right to use our services will immediately cease
• We may delete your account and associated data
• You remain liable for any obligations incurred prior to termination

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Kentucky, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Changes to These Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any material changes by posting the updated Terms on this page with a new "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the revised Terms.

Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us:

DelphInsurance
1040 Monarch Street, Lexington, KY 40513
Phone: +1 (606) 229-7352
Email: [email protected]