Except where expressly permitted in writing by Hudson Bailey Insurance Services, no materials from this Website—or from any website owned, operated, licensed, or controlled by Hudson Bailey Insurance Services—may be copied, displayed, modified, reproduced, reposted, republished, reused, uploaded, performed, posted, transmitted, or distributed in any form or by any means.
You may download materials displayed on the Website solely for your personal, non-commercial use, provided that you retain all copyright notices and other proprietary legends contained within the materials.
You may not frame or use framing techniques to enclose any portion of the Website, including, but not limited to, text, forms, images, audio, video, trademarks, or logos—without the express written consent of Hudson Bailey Insurance Services.
Hudson Bailey Insurance Services makes no representation or warranty that your use of materials displayed on the Website will not infringe upon the rights of third parties.
Hudson Bailey Insurance Services reserves the right to remove any materials or software from the Website at any time, for any reason, and without prior notice.
Without limiting the general restrictions above, you agree that you will not:
Use the Website or its materials in any manner that infringes upon the intellectual property rights of Hudson Bailey Insurance Services or any third party.
Attempt to access, penetrate, modify, or manipulate the Website, or any of Hudson Bailey Insurance Services’ hardware, software, or systems.
Invade the privacy of, or attempt to obtain personal information about, any customer or user of Hudson Bailey Insurance Services.
Modify, delete, or damage any data or information belonging to another user connected to the Website.
Reverse engineer, decompile, or disassemble any portion of the Website or its software.
Introduce or attempt to introduce viruses, worms, Trojan horses, malware, defects, or any other harmful or destructive code to the Website.
Interfere with, damage, disable, disrupt, impair, or place an unreasonable burden on the Website, its software, servers, or networks.
Interfere with any other user’s access to or enjoyment of the Website.
Systematically retrieve data or use data mining, robots, or similar tools to collect or compile information from the Website, including to create databases or directories.
Use the Website for any unlawful, unauthorized, fraudulent, or malicious purpose;
You agree that Hudson Bailey Insurance Services may terminate your use of the Website upon prior notice, and remove and discard any content, in the event you violate any Terms of Use.
You agree that Hudson Bailey Insurance Services may suspend your accounts and access to the Website in order to conduct an investigation in the event Hudson Bailey Insurance Services believes you have violated these Terms of Use or you have repeatedly infringed another’s intellectual property or other rights.
All trademarks, service marks, trade names, logos, and domain names appearing on the Website are the exclusive property of Hudson Bailey Insurance Services.
Nothing contained on the Website shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, service mark, trade name, logo, or domain name displayed on the Website without the prior written consent of Hudson Bailey Insurance Services.
The overall design, structure, and arrangement of the Website, including, but not limited to, all trademarks, images, text, graphics, buttons, screenshots, and other content or materials, are the sole and exclusive property of Hudson Bailey Insurance Services.
Except as expressly permitted under these Terms of Use, any use, reproduction, distribution, modification, or display of the trademarks, service marks, trade names, logos, domain names, materials, or layout of the Website is strictly prohibited.
All images, videos, and other materials displayed on the Website are either owned by Hudson Bailey Insurance Services or used with appropriate authorization. You, or anyone acting on your behalf, may not use, reproduce, or distribute these materials without prior written permission from Hudson Bailey Insurance Services.
Any unauthorized use of images, videos, or other materials from the Website may constitute a violation of copyright laws, trademark laws, privacy or publicity rights, and applicable communications laws or regulations.
The Website may include links to external websites that are not owned, operated, or controlled by Hudson Bailey Insurance Services.
Hudson Bailey Insurance Services is not responsible for the content, accuracy, or reliability of any third-party websites. The inclusion of a link to another website does not imply endorsement, approval, or sponsorship of that site or its content by Hudson Bailey Insurance Services.
Hudson Bailey Insurance Services does not guarantee that any links provided on the Website will be current, functional, or accurate at the time of your access. Linked sites are developed and maintained by independent third parties over whom Hudson Bailey Insurance Services has no control.
Hudson Bailey Insurance Services does not monitor or review third-party websites linked to or from this Website and has no responsibility for any content, materials, or communications transmitted through such websites. Accordingly, Hudson Bailey Insurance Services assumes no liability for the content or operation of any third-party website accessible via hyperlink or otherwise.
Hudson Bailey Insurance Services believes that providing links to publicly available web pages is legally permissible and consistent with standard internet practices and user expectations.
Third-party websites may have their own terms of use and privacy policies. Users are encouraged to review those terms and policies when visiting any linked website.
You acknowledge and agree that, to the fullest extent permitted by applicable law, all information, materials, and data on the Website are provided on an “as-is” and “as available” basis, without any warranties of any kind whether express or implied;
Hudson Bailey Insurance Services expressly disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose, non-infringement, completeness, or accuracy.
Hudson Bailey Insurance Services does not warrant that the Website, its materials, or data, will be available continuously, on time, without interruption, or free from errors. Nor does it warrant that any defects will be corrected, or that the Website, its server or related software are non—infringing, secure, or free of viruses or other harmful components.
Hudson Bailey Insurance Services makes no representations or warranties regarding the use of, or the results obtained from the use of, any materials on the Website including their accuracy, completeness, reliability, or suitability for any purpose.
You agree that you, and not Hudson Bailey Insurance Services are solely responsible for all costs associated with servicing, repairing, or correcting any device or computer you use to access the Website.
The information and descriptions provided on the Website are not intended to be comprehensive summaries of all applicable terms, exclusions, or conditions and are offered solely for general informational purposes.
All Website content provided is based on information Hudson Bailey Insurance Services believes to be reliable as of the date created. However, such content should be considered general insurance information only and not as specific advice for any individual situation.
These Terms of Use govern your use of the Website and do not modify or replace any other agreement or contract between you and Hudson Bailey Insurance Services.
While Hudson Bailey Insurance Services makes reasonable efforts to ensure that the information provided on the Website is accurate and current, errors or omissions may occur. Hudson Bailey Insurance Services does not warrant or represent that the content on the Website is complete, reliable, or error-free.
To the fullest extent permitted by applicable law, Hudson Bailey Insurance Services and any parties involved in the creation, production, or delivery of the Website shall not be liable for any damages, losses, or expenses of any kind—whether direct, indirect, incidental, consequential, special, exemplary, or punitive—including, without limitation, damages for loss of data, loss of use, or other economic loss arising from or related to your access to, use of, or inability to use the Website, its materials, or its software. This limitation applies even if Hudson Bailey Insurance Services or an authorized representative has been advised of the possibility of such damages.
In no event shall Hudson Bailey Insurance Services’ total liability to you for all claims, damages, losses, and causes of action exceed the amount, if any, paid by you to access the Website.
Hudson Bailey Insurance Services assumes no responsibility and shall not be liable for any damage to your computer, device, or other property, or for any viruses or other harmful components that may infect them, arising from your access to, use of, or browsing of the Website, or from your downloading of any materials, data, text, images, video, or audio from the Website.
You agree that you, and not Hudson Bailey Insurance Services, are solely responsible for any liability, damages, losses, or expenses arising from:
Your use of the Website, its materials, or data in any manner not expressly authorized under these Terms of Use; or
Your violation of any applicable laws or the rights of any third party.
You agree to defend, indemnify, and hold harmless Hudson Bailey Insurance Services, its subsidiaries, affiliates, and their respective successors, assigns, officers, directors, employees, and agents, from and against any and all claims, demands, causes of action, liabilities, losses, damages, costs, or expenses (including, without limitation, reasonable attorneys’ fees) arising out of or relating to:
Your use of the Website, including any materials or software available on it; or
Your violation of these Terms of Use.
Hudson Bailey Insurance Services reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification under this section. If Hudson Bailey Insurance Services does so, you agree to fully cooperate in the defense of such matter.
You further agree that you will not settle or compromise any claim or action without the prior written consent of Hudson Bailey Insurance Services.
The Website, along with all information, materials, and functionalities contained within it, is not directed to or intended for use by any individual or entity located in a jurisdiction where the distribution or use of such content would violate local laws or regulations.
Except as expressly stated otherwise, Hudson Bailey Insurance Services makes no representation that the materials or content available on the Website are appropriate or available for use in any particular location. Individuals who choose to access the Website do so on their own initiative and are solely responsible for complying with all applicable local laws and regulations.
The content provided on the Website is for general informational purposes only and is not intended to constitute professional advice of any kind.
Unless expressly stated otherwise, the information on the Website does not constitute an offer to sell, or a solicitation to buy, any insurance product, service, or other offering from Hudson Bailey Insurance Services.
No insurance product, service, or other offering will be sold or become effective in any jurisdiction where such sale, solicitation, or transaction would be unlawful under applicable insurance or other laws.
Certain products or services described on the Website may not be available in all jurisdictions. Availability is subject to applicable laws and Hudson Bailey Insurance Services’ discretion.
Any information you transmit to Hudson Bailey Insurance Services through the Website, by email, or by any other means, excluding personal data or personal information, will be considered non-confidential and non-proprietary and shall become the property of Hudson Bailey Insurance Services.
Such information (other than personal data or personal information) may be used by Hudson Bailey Insurance Services for any lawful purpose, including but not limited to reproduction, solicitation, disclosure, transmission, publication, broadcast, posting to social media, or any other form of distribution.
Hudson Bailey Insurance Services may freely use any ideas, concepts, know-how, or techniques contained in any communication you send via the Website or otherwise for any purpose, including, without limitation, the development, production, or marketing of products and services, without any obligation or compensation to you.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Texas, without regard to any conflict of law principles.
You agree that the sole and exclusive jurisdiction for any claim, dispute, or proceeding arising out of or relating to these Terms of Use or your use of the Website shall lie in the appropriate state or federal courts located within the State of Texas. Both parties hereby irrevocably waive any right to a jury trial in connection with any such action or proceeding.
You further agree that, notwithstanding any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of the Website or these Terms of Use must be filed within one (1) year after such claim or cause of action arises, or it shall be permanently barred.
These Terms of Use constitute the entire agreement between us with respect to the subject matter addressed herein, and govern your use of the Website, materials on the Website.
These Terms of Use supersede all prior understandings or agreements between us relating to such subject matter.
No delay or failure by Hudson Bailey Insurance Services to act or exercise any rights under these Terms of Use or applicable law shall constitute a waiver thereof.
If any portion of these Terms of Use is found to be unenforceable, the remaining sections of the Terms of Use will remain in effect. The section headings are for convenience only and do not have any force or effect.
