Terms of Service

By accessing or using the website piawv.com (the “Site”) or any services provided by Parrack Insurance Agency LLC (“we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not access or use the Site or our services.

We reserve the right to modify these Terms at any time. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
• Use any robot, spider, or other automatic device to access the Site for any purpose
• Introduce any viruses, malware, or other harmful material
• Interfere with or disrupt the Site or servers or networks connected to the Site

We strive to make our website accessible to all users, including those with disabilities. However, we cannot guarantee that the Site will be fully accessible to all users at all times.

By using this Site, you acknowledge and accept the current accessibility features and limitations of the Site. You agree that any accessibility accommodations are provided as-is, and we make no warranties regarding the accessibility or usability of the Site for any particular purpose or user.

If you experience difficulty accessing any content on the Site, please contact us and we will make reasonable efforts to assist you.

Our agency acts as an independent insurance agent, providing quotes and facilitating the purchase of insurance products from various carriers. We are not an insurance company.

You acknowledge and agree that you are solely responsible for reviewing, understanding, and accepting the terms, conditions, coverage limits, exclusions, and all other provisions of any insurance policy you purchase through our agency.

The information provided on this Site and by our agents is for general informational purposes only and does not constitute:

• Legal, financial, or professional advice
• A guarantee of coverage or claims payment
• An insurance policy or contract
• A complete description of available coverage options

The actual terms and conditions of coverage are determined solely by the insurance policy issued by the carrier. In the event of any conflict between information provided by our agency and the actual policy language, the policy language will control.

You agree to carefully read your entire insurance policy, including all declarations, endorsements, and exclusions, and to contact us or your insurance carrier directly with any questions about your coverage.

BY USING THIS SITE AND OUR SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ASSUME ALL RISKS ASSOCIATED WITH:

• Your use of this website and any information obtained from it
• Your reliance on any information, quotes, or recommendations provided by our agency
• Your selection of insurance products and coverage levels
• Any gaps in coverage, inadequate coverage limits, or policy exclusions
• Decisions made based on information provided through this Site or our services
• The transmission of any information or data over the internet

Insurance needs vary significantly based on individual circumstances. It is your responsibility to assess your own needs and ensure that the coverage you select adequately protects your interests.

We do not guarantee that any insurance application will be approved by an insurance carrier, that coverage will be provided at any particular rate, or that any claim will be paid.

Coverage decisions, claim determinations, and payment amounts are made solely by the insurance carriers according to the terms of their policies. We have no authority to bind coverage on behalf of any carrier except as specifically authorized in writing.

THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranties regarding the accuracy, reliability, or completeness of any information on the Site
• Any warranties that the Site will be uninterrupted, secure, or error-free
• Any warranties regarding the results of using the Site

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PARRACK INSURANCE AGENCY LLC AND ITS OWNERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OF ANY KIND ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR OUR SERVICES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM.

This limitation applies to all damages of any kind, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, or any other commercial or personal damages or losses, even if we have been advised of the possibility of such damages.

You agree to indemnify, defend, and hold harmless Parrack Insurance Agency LLC and its owners, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Site or our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any information you provide to us

All content on this Site, including text, graphics, logos, images, and software, is the property of Parrack Insurance Agency LLC or its content suppliers and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of these sites and accept no responsibility for them or any loss or damage that may arise from your use of them. Your use of third-party websites is at your own risk.

These Terms shall be governed by and construed in accordance with the laws of the State of West Virginia, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Randolph County, West Virginia, for any disputes arising out of or relating to these Terms or your use of the Site.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Parrack Insurance Agency LLC regarding your use of the Site and supersede all prior agreements and understandings.