Terms and Conditions

1. Introduction

By using the Helios Insurance Agency, Inc website (hereafter “the Website”), you agree to these terms and conditions, which govern your access to and use of the Website and its services. If you do not agree, please refrain from using the Website.

2. Eligibility

Users must be 18 years or older. By using the Website, you confirm that you meet this age requirement and are legally permitted to enter into binding agreements under applicable law.

3. Intellectual Property Rights

All content available on the Website, including text, images, logos, and software, is the property of Helios Insurance Agency, Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from the content without written permission from Helios Insurance.

4. Use of Services

You agree to use the Website and services provided only for lawful purposes. Any unauthorized or illegal use, including attempts to hack, scrape data, or misuse the Website, is strictly prohibited.

5. Insurance Quotes and Policy Information

Any insurance quotes or policy information provided on the Website are for informational purposes only and are not binding. Final insurance policy details, including coverage, terms, and conditions, will be confirmed after consultation with an authorized agent.

6. User-Generated Content

If you submit any reviews, comments, or other content to the Website, you grant Helios Insurance Agency, Inc. a perpetual, non-exclusive, royalty-free license to use, reproduce, and distribute this content. However, any content that is defamatory, obscene, or illegal is prohibited, and Helios Insurance reserves the right to remove such content.

7. Disclaimer of Warranties

The Website and its contents are provided “as is.” Helios Insurance Agency, Inc. makes no representations or warranties regarding the accuracy, reliability, or completeness of any information provided on the Website. The company is not responsible for any errors, omissions, or consequences arising from the use of the Website.

8. Limitation of Liability

Helios Insurance Agency, Inc. is not liable for any direct, indirect, incidental, or consequential damages that may result from your use of the Website or the services offered. This includes but is not limited to data loss, interruption of service, or security breaches.

9. Governing Law

These terms and conditions are governed by the laws of the State of New York. Any disputes will be resolved through binding arbitration under state laws.

10. Termination of Access

Helios Insurance Agency, Inc. reserves the right to terminate or suspend access to the Website, without prior notice, for any conduct deemed to be in violation of these terms or harmful to the Website or its users.

11. Changes to the Terms

Helios Insurance Agency, Inc. may update these terms at any time. Changes will be effective upon posting to the Website, and it is the responsibility of users to review these terms regularly.

12. Contact Information

For any questions regarding these terms, please contact Helios Insurance Agency, Inc.  directly via Contact us.