Terms of Service

Paul Hutchins Insurance Agency
Effective Date: March 2026

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1. Acceptance of Terms

Welcome to the website of Paul Hutchins Insurance Agency (“Agency,” “we,” “our,” or “us”). By accessing or using this website (www.paulhutchinsagency.com), you agree to be bound by these Terms of Service and any applicable laws and regulations.

 

If you do not agree with these terms, please do not use this website.

 

2. Website Use

This website provides general information regarding insurance products and services offered by the Paul Hutchins Insurance Agency.

 

You agree to use this website only for lawful purposes and in a manner that does not:

• Violate any local, state, or federal laws

• Interfere with the security or functionality of the website

• Attempt unauthorized access to systems or data

• Misuse information provided on the site

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The Paul Hutchins Insurance Agency reserves the right to suspend or terminate access to the website for violations of these terms.

 

3. No Guarantee of Insurance Coverage

Information provided on this website is for informational purposes only and does not constitute a binding agreement for insurance coverage.

 

Insurance coverage is not effective until:

• An application has been completed

• The application has been reviewed and approved by the appropriate insurance carrier

• A policy has been issued by the insurance carrier

 

All coverage terms, conditions, and pricing are determined by the issuing insurance company.

 

4. Accuracy of Information

The Paul Hutchins Insurance Agency makes reasonable efforts to ensure the accuracy of the information provided on this website. However, we do not guarantee that all information is complete, accurate, or current.

 

Insurance products, services, and pricing may change without notice.

 

5. Third-Party Services

The Paul Hutchins Insurance Agency may use third-party services or technology providers to support website functionality, communications, or customer service operations. Use of third-party services may be subject to their own policies and terms.

 

6. SMS/Text Messaging Communications

The Paul Hutchins Insurance Agency may communicate with clients via SMS or text messaging for purposes such as:

• Appointment confirmations

• Policy reminders

• Customer service communications

• Insurance updates and notifications

 

Consent to Receive Text Messages

By providing your phone number to thePaul Hutchins Insurance Agency, you consent to receive text messages related to your insurance services or inquiries.

 

Message frequency may vary.

 

Message and Data Rates

Standard message and data rates may apply depending on your mobile carrier plan.

 

Opt-Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. You may also contact us directly to request removal from SMS communications.

 

Help

For assistance, reply HELP to any message or contact our office directly.

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Third-Party Messaging Platforms

Text messages may be delivered using automated technology or third-party messaging platforms used by the Paul Hutchins Insurance Agency to communicate with customers. Delivery of messages is subject to mobile carrier availability and network conditions.

 

7. Privacy

Personal information collected through this website may include:

• Name

• Email address

• Phone number

• Insurance-related information

 

This information may be used to:

• Provide requested services

• Respond to inquiries

• Communicate regarding policies or services

 

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

Please refer to our Privacy Policy for additional details regarding how personal information is collected, used, and protected.

 

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Paul Hutchins Insurance Agency unless otherwise noted.

 

Content may not be copied, reproduced, or distributed without written permission.

 

9. Disclaimer of Warranties

This website and its content are provided “as is” and “as available.”

 

The Agency makes no warranties, expressed or implied, regarding:

• The availability of the website

• Accuracy of information

• Suitability of services for any particular purpose

 

10. Limitation of Liability

To the fullest extent permitted by law, Paul Hutchins Insurance Agency shall not be liable for any damages arising from:

• Use or inability to use this website

• Errors or omissions in website content

• Service interruptions or technical issues

• Delayed or undelivered communications

 

11. Indemnification

You agree to indemnify and hold harmless Paul Hutchins Insurance Agency, its employees, and affiliates from any claims, damages, or liabilities arising from your use of the website or violation of these Terms of Service.

 

12. Governing Law

These Terms of Service are governed by the laws of the State of New York.

Any legal disputes shall be resolved in the appropriate courts located within the State of New York.

 

13. Changes to These Terms

The Paul Hutchins Insurance Agency reserves the right to update or modify these Terms of Service at any time.

Updates will be posted on this page with a revised effective date.

Continued use of the website after changes are posted constitutes acceptance of the updated terms.

 

14. Contact Information

If you have questions regarding these Terms of Service, please contact:

Paul Hutchins Insurance Agency
245 Portage Rd.
Lewiston, NY 14092

Phone: 716.405.7420
Email: paul@paulhutchinsagency.com    

Website: https://www.paulhutchinsagency.com