1. Acceptance of Terms
These terms of service govern access to and use of the PryorInsuranceGuy platform, including all information, tools, and services made available through it. By visiting or using this platform in any capacity, the user is acknowledging full acceptance of these terms as they are written. Those who do not agree with any part of these terms should discontinue use of the platform immediately and refrain from submitting any personal information through its forms or features.
2. Nature of Services
PryorInsuranceGuy operates as an insurance information and advisory platform, not as a direct insurance carrier or underwriter. All coverage ultimately originates from licensed third-party insurance carriers. Information presented through this platform is intended to assist individuals in understanding their coverage options and does not constitute a binding insurance contract, guarantee of coverage, or formal policy issuance. Actual policy terms are governed by the carrier agreements entered into at the time of enrollment.
3. Account Registration
Certain features of this platform require the creation of a user account, which involves the submission of personal information including but not limited to name, contact details, and coverage preferences. All information submitted during account creation must be accurate, complete, and kept current by the account holder. PryorInsuranceGuy reserves the right to suspend or terminate access for any account found to contain false, misleading, or outdated information, without prior notice.
4. Acceptable Use
Use of this platform is permitted only for lawful purposes and in a manner consistent with its intended function as an insurance information resource. Prohibited activities include attempting to access restricted areas of the platform without authorization, submitting fraudulent or fabricated information, interfering with the technical operation of the platform, scraping or reproducing content without written permission, and using the platform to facilitate any activity that violates applicable law. Violations may result in immediate suspension of access and referral to relevant authorities.
5. Intellectual Property
All content appearing on this platform, including written materials, design elements, logos, graphics, and structural layouts, is the intellectual property of PryorInsuranceGuy or its licensed content providers. No portion of this platform may be reproduced, modified, distributed, or publicly displayed without express written authorization. Unauthorized use of any protected content constitutes an infringement and may be subject to legal remedy under applicable intellectual property law.
6. Third-Party Content
This platform may contain links to external websites operated by third-party insurance carriers, partner organizations, or other resources. These links are provided for informational convenience only and do not constitute an endorsement, sponsorship, or approval of the linked content. PryorInsuranceGuy assumes no responsibility for the accuracy, availability, or terms of any third-party website, and users access such sites entirely at their own discretion and risk.
7. Coverage Availability
No guarantee is made regarding the availability of specific insurance products, premium pricing, or carrier eligibility for any individual user. Insurance availability is subject to underwriting criteria, geographic restrictions, carrier guidelines, and regulatory requirements that vary by location and circumstance. Any rates or coverage details encountered through this platform should be treated as informational estimates only and confirmed directly with the relevant carrier before any coverage decision is finalized.
8. Disclaimer of Warranties
This platform and all of its content are provided on an "as is" basis without warranties of any kind, whether express or implied. No warranty is made regarding the completeness, reliability, or fitness for a particular purpose of any information presented. PryorInsuranceGuy does not warrant that the platform will be continuously available, free of errors, or that any information contained within it will remain accurate over time as insurance products, regulations, and carrier offerings are subject to change.
9. Limitation of Liability
To the fullest extent permitted by applicable law, PryorInsuranceGuy shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of or inability to use this platform or any of its content. This limitation applies regardless of the theory of liability asserted and whether or not PryorInsuranceGuy has been advised of the possibility of such damages. Users assume full responsibility for any decisions made based on information encountered through this platform.
10. Governing Law and Contact
These terms of service are governed by the laws of the Commonwealth of Pennsylvania without regard to conflict of law principles. PryorInsuranceGuy reserves the right to modify these terms at any time, with updates taking effect upon posting to this page. Continued use of the platform following any revision constitutes acceptance of the revised terms. For questions regarding these terms, direct correspondence may be sent to jackpryor@pryorinsuranceguy.com, by phone at +1 (570) 719-6485, or by mail to 15 Public Sq Wilkes-Barre PA 18701.
