Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website owned by Hedges Insurance (“we” or “our”). By accessing and using this website, you agree to comply with these Terms. If you do not agree with any part of these Terms, please refrain from using the website.

Website Content

Ownership: The content, design, and functionality of this website, including but not limited to text, graphics, logos, images, audio clips, and software, are protected by intellectual property laws and belong to Hedges Insurance or its licensors. You may not copy, modify, distribute, or use any content from this website without explicit permission.

Accuracy: While we strive to provide accurate and up-to-date information, we do not guarantee the completeness, accuracy, or reliability of the content on this website. The information provided is for general purposes only and should not be considered as professional advice. You are responsible for verifying any information before making decisions based on it.

Changes: We reserve the right to modify, update, or remove any content on this website at any time without prior notice.

User Conduct

Lawful Use: You agree to use this website for lawful purposes only. You may not engage in any activity that violates applicable laws, regulations, or the rights of others.

Prohibited Activities: When using this website, you are prohibited from:

• Uploading, posting, or transmitting any content that is unlawful, harmful, defamatory, obscene, or otherwise objectionable.
• Interfering with or disrupting the operation of this website or the servers or networks connected to it.
• Engaging in any activity that could potentially harm, disable, overburden, or impair this website.
• Attempting to gain unauthorized access to any part of this website, accounts, computer systems, or networks.

User Contributions: If you contribute any content to this website, including but not limited to comments, reviews, or suggestions, you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, reproduce, distribute, and display that content.

Third-Party Links and Services

This website may contain links to third-party websites or resources that are not under our control. We are not responsible for the availability, content, or accuracy of these external websites. The inclusion of any links does not imply endorsement or association with the linked website. You access third-party websites at your own risk.

Disclaimer of Liability

Use at Your Own Risk: Your use of this website is at your own risk. We provide the website and its content on an “as is” and “as available” basis without any warranties or representations, whether express or implied. We do not warrant that the website will be error-free, secure, or uninterrupted.

Limitation of Liability: In no event shall Hedges Insurance or its affiliates be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of this website or the content therein.

Indemnification

You agree to indemnify, defend, and hold Hedges Insurance and its officers, directors, employees, agents, and affiliates harmless from any claims, liabilities, damages, losses, costs, or expenses, including attorney’s fees, arising out of or related to your use of this website or any violation of these Terms.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Commonwealth of Virginia or the jurisdiction where Hedges Insurance is located. Any legal action or proceeding arising out of or relating to these Terms or your use of this website shall be exclusively brought in the competent courts of the jurisdiction where Hedges Insurance is located.