Terms and Conditions

Welcome to Hodge Insurance!

These terms and conditions outline the rules and regulations for the use of the Hodge Insurance website, located at https://hodgeinsurance.com/.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Hodge Insurance if you do not agree to all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement, Disclaimer Notice, and all Agreements: “Client,” “You,” and “Your” refer to you, the person who logs onto this website and is compliant with Hodge Insurance’s terms and conditions. “Hodge Insurance,” “Ourselves,” “We,” “Our,” and “Us” refer to Hodge Insurance. “Party,” “Parties,” or “Us” refers to both the Client and ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of assisting the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of the provision of Hodge Insurance’s stated services, in accordance with and subject to prevailing law. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she/they are taken as interchangeable and therefore as referring to the same.

Cookies

We employ the use of cookies. By accessing Hodge Insurance, you agree to the use of cookies in accordance with Hodge Insurance’s Privacy Policy.

Most interactive websites use cookies to let us retrieve user details for each visit. Cookies are used by our website to enable the functionality of certain areas and to make it easier for visitors. Some of our affiliate and advertising partners may also use cookies.

License

Unless otherwise stated, Hodge Insurance and/or its licensors own the intellectual property rights for all material on https://hodgeinsurance.com/. All intellectual property rights are reserved. You may access this material for your own personal use, subject to restrictions set in these terms and conditions.

You must not:

  • Republish material from Hodge Insurance
  • Sell, rent, or sub-license material from Hodge Insurance
  • Reproduce, duplicate, or copy material from Hodge Insurance
  • Redistribute content from Hodge Insurance

This Agreement shall begin on the date hereof.

Parts of this website may offer users the opportunity to post and exchange opinions and information. Hodge Insurance does not filter, edit, publish, or review Comments prior to their appearance on the website. Comments do not reflect the views and opinions of Hodge Insurance, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts them. To the extent permitted by applicable laws, Hodge Insurance shall not be liable for the Comments or for any liability, damages, or expenses caused and/or suffered as a result of any use of, posting of, or appearance of the Comments on this website.

Hodge Insurance reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive, or cause a breach of these Terms and Conditions.

You warrant and represent that:

  • You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
  • The Comments do not infringe any intellectual property rights, including without limitation copyright, patent, or trademark of any third party;
  • The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, or invade privacy;
  • The Comments will not be used to solicit or promote business, commercial activities, or unlawful activity.

You hereby grant Hodge Insurance a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to Our Content

The following organizations may link to our website without prior written approval:

  • Government agencies
  • Search engines
  • News organizations
  • Online directory distributors, in the same manner as they hyperlink to other listed businesses
  • System-wide Accredited Businesses, except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups

These organizations may link to our homepage, publications, or other website information so long as the link:
(a) is not deceptive;
(b) does not falsely imply sponsorship, endorsement, or approval; and
(c) fits within the context of the linking party’s site.

We may consider and approve other link requests from:

  • Commonly known consumer and/or business information sources
  • Dot.com community sites
  • Associations or groups representing charities
  • Online directory distributors
  • Internet portals
  • Accounting, law, and consulting firms
  • Educational institutions and trade associations

We will approve such requests if:
(a) the link would not reflect unfavorably on us or our accredited businesses;
(b) the organization has no negative record with us;
(c) the benefit of visibility outweighs the absence of Hodge Insurance; and
(d) the link fits within general resource information.

Approved organizations may hyperlink to our website using:

  • Our corporate name; or
  • The URL being linked to; or
  • Any appropriate description of our website

No use of Hodge Insurance’s logo or artwork will be allowed without a trademark license agreement.

iFrames

Without prior written permission, you may not create frames around our webpages that alter the visual presentation or appearance of our website.

Content Liability

We shall not be held responsible for any content that appears on your website. You agree to protect and defend us against all claims arising on your website. No links should appear on any website that may be interpreted as libelous, obscene, criminal, or infringing on third-party rights.

Reservation of Rights

We reserve the right to request the removal of all links or any particular link to our website. You agree to immediately remove all links upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our website, you agree to be bound by these terms and conditions.

Removal of Links from Our Website

If you find any link on our website that is offensive for any reason, you are free to contact us at any time. We will consider requests to remove links but are not obligated to do so or to respond directly.

We do not guarantee that the information on this website is correct, complete, or accurate, nor do we ensure that the website will remain available or that the material will be kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and its use. Nothing in this disclaimer will:

  • Limit or exclude liability for death or personal injury
  • Limit or exclude liability for fraud or fraudulent misrepresentation
  • Limit any liabilities in a way not permitted under applicable law
  • Exclude liabilities that may not be excluded under applicable law

The limitations of liability set out in this section apply to all liabilities arising under this disclaimer, including those arising in contract, tort, or breach of statutory duty.

As long as the website and its information and services are provided free of charge, we will not be liable for any loss or damage of any nature.