Terms of Service
Last Updated: January 27, 2026
These Terms of Service (“Terms”) govern your access to and use of the website operated by Pietrosanto Insurance Agency (“Company,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.
1. Website Use & Eligibility
You may use this website solely for lawful purposes and in accordance with these Terms. You represent that you are at least 18 years old or accessing the site under the supervision of a legal guardian.
2. Insurance Information Disclaimer
This website provides general information about insurance products and services. It does not constitute an insurance policy, contract, guarantee of coverage, or binding insurance advice.
All insurance coverage is subject to underwriting approval, carrier guidelines, policy terms, and applicable regulations.
To bind, modify, or cancel coverage, you must speak directly with a licensed agent and receive written confirmation.
3. Quotes, Requests & Applications
Any pricing, quotes, or insurance information presented through forms, calculators, or online submissions are provided for informational and preliminary purposes only and are not binding.
Completion of any form on this website does not:
- Initiate coverage
- Guarantee coverage
- Bind any policy
- Modify an existing policy
Coverage becomes active only after underwriting approval, payment (if required), and written confirmation from the carrier or authorized representative.
4. Third-Party Insurance Carriers
We may partner with or provide access to multiple third-party insurance carriers. We do not control carrier decisions and are not responsible for:
- Underwriting outcomes
- Coverage availability
- Claim decisions
- Policy cancellations or modifications
Any disputes related to insurance products should be directed to the issuing carrier per the carrier’s procedures.
5. Claims Assistance
We may assist clients in navigating claims procedures, but we do not process or adjudicate claims. All claims are handled directly by the issuing carrier in accordance with their policies, terms, and timelines.
6. Intellectual Property
All content displayed on this website—including text, logos, graphics, icons, photographs, and layouts—is owned by us or licensed to us. You may not copy, reproduce, distribute, or create derivative works without prior written permission.
7. Prohibited Conduct
You agree not to:
- Use the website for unlawful purposes
- Attempt to breach or disable security features
- Interfere with website performance or infrastructure
- Collect or harvest data without consent
- Impersonate another person or entity
We reserve the right to suspend or terminate access for violations.
8. Third-Party Links
This website may contain links to third-party sites. These are provided for convenience only. We do not endorse, control, or assume responsibility for third-party sites, their accuracy, or their policies.
9. Disclaimer of Warranties
This website and its content are provided on an “as-is” and “as-available” basis. We make no warranties, express or implied, including but not limited to:
- Accuracy of information
- Availability or uptime
- Suitability of products
- Non-infringement of third-party rights
Use of the website is at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Use or inability to use the website
- Errors, omissions, or content inaccuracies
- Third-party carrier decisions
- Delays or failures in transmission
Some jurisdictions do not allow certain exclusions, so parts of this limitation may not apply.
11. Indemnification
You agree to indemnify, defend, and hold us harmless from claims, liabilities, damages, losses, and expenses (including attorneys’ fees) arising out of your use of the website or violation of these Terms.
12. Changes to These Terms
We reserve the right to update or modify these Terms at any time without prior notice. Continued use of the website after changes constitutes acceptance of the updated Terms.
13. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of New York, without regard to conflict of law principles.
14. Contact Information
For questions regarding these Terms, you may contact us at:
Pietrosanto Insurance Agency
Saratoga Springs, NY 12866
Phone: +1 (518) 581-3282
Email: bryan@pietrosanto.com
By using this website, you acknowledge that you have read, understood, and agree to these Terms of Service.