Term & Conditions

Introduction

Welcome to Kentucky-Bred Insurance. These Terms and Conditions govern your use of our website and services. By accessing or using our website, you agree to comply with and be bound by these terms. Please read them carefully before using the site. If you do not agree with any part of these terms, you must discontinue using our website and related services immediately.

Definitions

Throughout these Terms and Conditions, “we,” “us,” and “our” refer to Kentucky-Bred Insurance, while “you” or “your” refers to any person or entity accessing or using this website. “Services” include all insurance products, quotes, information, and communication offered through our website or authorized representatives.

Use of Website

This website is provided for informational and commercial purposes related to our insurance services. You agree to use the site only for lawful purposes and not engage in any activity that disrupts, damages, or impairs its functionality. Misuse of our website, including unauthorized access, data scraping, or fraudulent activity, may lead to termination of access and potential legal action under applicable law.

Intellectual Property Rights

All content available on this website, including but not limited to text, graphics, logos, images, software, and design, is the property of Kentucky-Bred Insurance or its licensors and is protected by applicable copyright and trademark laws. You may view, download, or print materials only for personal and non-commercial use. Unauthorized use, reproduction, or distribution of website materials without written permission is strictly prohibited.

Insurance Quotes and Coverage

All quotes provided through our website are estimates based on the information you submit. Actual coverage, rates, and eligibility are determined by underwriting review and state regulations. Submitting a quote request does not guarantee insurance approval or issuance of a policy. We reserve the right to modify or deny coverage at our sole discretion, consistent with applicable insurance laws and guidelines.

Third-Party Links

Our website may include links to third-party websites or services for your convenience. Kentucky-Bred Insurance is not responsible for the content, privacy policies, or practices of any third-party sites. Accessing those links is done at your own risk. We encourage you to review the terms and conditions of any external websites you visit before sharing any personal information or completing transactions.

Limitation of Liability

To the fullest extent permitted by law, Kentucky-Bred Insurance and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the website, services, or inability to access them. We do not warrant that the website will always function uninterrupted or free of errors. Your use of the website is at your own risk, and you assume full responsibility for its outcomes.

Indemnification

You agree to indemnify, defend, and hold harmless Kentucky-Bred Insurance, its employees, agents, and affiliates from any and all claims, damages, liabilities, costs, and expenses, including legal fees, arising from your violation of these terms or misuse of our website. This includes any claims resulting from content you submit, transmit, or share through our platform.

Privacy and Data Protection

Your privacy is important to us. Any personal information collected through this website is governed by our Privacy Policy. By using our site, you consent to the collection and use of your information as outlined in that policy. We maintain strict safeguards to protect your data, but no online transmission is completely secure, and you acknowledge such limitations when using our services.

Termination

We reserve the right to suspend or terminate access to this website at any time without prior notice if you violate these Terms and Conditions or engage in any behavior deemed harmful to Kentucky-Bred Insurance, its users, or its reputation. Upon termination, your right to use the site and its content ceases immediately. Certain obligations such as indemnification and limitation of liability will survive termination.

Disclaimers

All materials and information on our website are provided “as is” without warranties of any kind, either express or implied. Kentucky-Bred Insurance makes no guarantees regarding the accuracy, reliability, or completeness of the content. We reserve the right to update, modify, or remove content at any time. You are responsible for verifying information before making decisions based on our website’s content.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky, without regard to its conflict of law principles. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Louisville, Kentucky, United States.

Changes to These Terms

We may revise or update these Terms and Conditions from time to time to reflect changes in our operations, applicable laws, or business practices. Updates will be posted on this page with a new effective date. Your continued use of the website following such updates constitutes your acceptance of the revised terms. We recommend reviewing this page periodically for the latest version.

Contact Information

If you have any questions regarding these Terms and Conditions or our services, please contact us at Matt@kybredinsurance.com or call us at 502-214-3200. You may also visit us at our office located at 10528 Watterson Trail, Louisville, KY 40299, or explore our website at www.kybredinsurance.com for more details about our insurance products and services.