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Terms of Use

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Authorization of Use

PHP Insurance Services hereby authorizes any person to access this Website for informational purposes only. PHP Insurance Services reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by PHP Insurance Services. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of PHP Insurance Services.

No Warranties

The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. PHP Insurance Services and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement.

PHP Insurance Services and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by PHP Insurance Services or its affiliated companies shall create any warranty.

Neither PHP Insurance Services nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

Disclaimer of Liability

In no event shall PHP Insurance Services or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.

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Electronic Communications

PHP Insurance Services will not be deemed to have accepted any electronic communication unless PHP Insurance Services provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If PHP Insurance Services sends any electronic communication, PHP Insurance Services will assume the communication was received intact by the intended recipient. The recipient of such message must notify PHP Insurance Services if the transmission was not received or was not received in a readable format.

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Security

Despite the security measures taken by PHP Insurance Services, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and PHP Insurance Services disclaims all liability resulting from such interception or disclosure.

Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may send the information to us via mail.