Terms & Conditions

Effective Date: 1st July 2025

1. Acceptance of Terms

By accessing and using this website (the “Site”), you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, please do not use the Site.

2. Use of the Site

You agree to use the Site for lawful purposes only. You may not use this Site to:

Engage in any unlawful, fraudulent or malicious activity
Attempt to gain unauthorized access to systems or networks connected to the Site
Use the Site in any manner that could interfere with other users' enjoyment

3. Intellectual Property

All content on this Site, including text, graphics, logos, icons, images, and software, is the property of HKS Insurance Broker LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or transmit any content without prior written consent.

4. Insurance Disclaimer

The content provided on this Site is for informational purposes only and does not constitute professional advice or an offer to provide insurance or financial services. Any insurance coverage is subject to the terms, conditions, and exclusions of the actual policy issued.

5. Limitation of Liability

To the fullest extent permitted by law, HKS Insurance Broker LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of or inability to use the Site.

6. Third-Party Links

This Site may contain links to external websites. HKS Insurance Broker LLC is not responsible for the content, policies, or practices of any third-party sites.

7. Privacy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and store your personal information.

8. Changes to Terms

We reserve the right to update or change these Terms at any time. Any changes will be posted on this page, and your continued use of the Site will constitute your acceptance of those changes.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State, e.g., California], without regard to its conflict of law principles.