1. Acceptance of Terms

Welcome to https://thurneragency.com (“Website”).
By accessing and using this Website, you agree to comply with and be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please discontinue use of this Website immediately.

2. Changes to Terms

We reserve the right to modify or update these Terms at any time without prior notice. Continued use of the Website after any changes constitutes your acceptance of the updated Terms.

3. Intellectual Property & Use of Third-Party Logos

All original content, including but not limited to text, images, graphics, and design elements on this Website, are the intellectual property of [Thurner Agency] unless otherwise noted.

Logos and brand names of third-party insurance carriers (such as Farmers Insurance, Bristol West, Travelers, Progressive, Safeco, Hagerty, Next, and Openly) displayed on this Website are the property of their respective owners.
These logos are used solely for identification and informational purposes to indicate the carriers whose products are offered through our agency. [Thurner Agency Inc.] does not claim ownership of these marks and acknowledges all rights belong to their respective trademark holders.

Use of this Website does not grant you any right or license to use any trademarks or copyrighted materials displayed herein.

4. Use of Website

You agree to use this Website for lawful purposes only and in a manner that does not violate any applicable local, state, or federal law. You shall not attempt to disrupt or interfere with the operation or security of this Website.

5. No Guarantee of Coverage or Offer of Insurance

All insurance information provided on this Website is for general informational purposes only and shall not be construed as a binding quote, offer, or guarantee of insurance coverage.
Coverage is subject to the terms, conditions, and underwriting approval of the issuing carrier.

6. User Content

If you submit any information, feedback, or communication through this Website, you grant [Thurner Agency Inc.] a non-exclusive, royalty-free right to use such content for business or marketing purposes. You represent that such content does not violate the rights of any third party.

7. Privacy

Your use of this Website is also governed by our [Privacy Policy], which can be accessed through the link provided on our homepage.

8. Disclaimer of Warranties

This Website and its contents are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. [Thurner Agency Inc.] makes no representation or warranty that the Website will be error-free, uninterrupted, or that any information provided is accurate, complete, or current.

Use of this Website is at your sole risk.

9. Limitation of Liability

In no event shall [Thurner Agency Inc.], its owners, employees, or affiliates be liable for any direct, indirect, incidental, special, or consequential damages arising out of or related to your use or inability to use this Website or reliance upon any information provided herein.

10. Third-Party Links

This Website may contain links to external websites for convenience (such as carrier portals for bill payment or claims).
[Thurner Agency Inc.] is not responsible for the content, accuracy, or practices of any third-party websites and disclaims all liability arising from your use of or reliance on such links.

11. Indemnification

You agree to indemnify, defend, and hold harmless [Thurner Agency Inc.], its officers, employees, and affiliates from any claims, losses, liabilities, or expenses (including legal fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

12. Termination

We reserve the right to terminate or suspend access to this Website, without notice, for any reason, including violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.