We welcome you to use this website to learn about our agency, request information, and explore insurance topics. You may view, download, and print reasonable portions of the site for your personal, non-commercial use in evaluating insurance options for yourself, your family, or your business.

You agree that you will not:

• Use this site for any unlawful, abusive, fraudulent, or harmful purpose.
• Attempt to gain unauthorized access to any part of the site, our servers, or any connected systems.
• Use automated tools (such as bots, scrapers, or spiders) to harvest data, emails, or content from this site without our prior written consent.
• Copy, reproduce, modify, distribute, or publicly display website content for commercial purposes without our permission.
• Introduce viruses, malware, or any other harmful or disruptive code.

We reserve the right, at our sole discretion, to restrict or terminate your access to the site if we believe you have violated these Terms of Use or engaged in any behavior that may harm our clients, our community, our systems, or our reputation.

Any quote, estimate, rate indication, or coverage illustration provided through this website or by our team is for informational purposes only and is not a binding offer of insurance. All insurance coverage is subject to the terms, conditions, limitations, and exclusions of the actual policy issued by the insurance carrier.

Final premiums, coverage amounts, and eligibility are determined solely by the insurance company or companies involved, based on their underwriting rules and your specific information, including but not limited to:

• Application responses and disclosures you provide.
• Credit-based insurance scores or other rating factors where permitted by law.
• Driving records, claim histories, medical information (where applicable), and other underwriting data.
• Property details, business operations, and risk characteristics.

Coverage is not effective, and no policy is in force, until it has been confirmed by the carrier and any required documents, signatures, and payments have been properly received and processed. Do not cancel any existing insurance coverage until you have received written confirmation that new coverage is in effect.

If there is any difference between information on this website and the terms of an issued insurance policy, the policy language will always control.

We may revise and update these Terms of Use from time to time to reflect changes in our business, our services, legal requirements, or technology. When we make changes, we will post the updated terms on this page with a revised “Last Updated” date. Changes become effective as soon as they are posted, unless otherwise stated.

Your continued use of the website after updated terms are posted means you agree to the revised Terms of Use. We encourage you to review this page periodically to stay informed about how we are helping protect you and your information online.

We also reserve the right to modify, suspend, or discontinue any part of the website, or any services or content provided through the website, at any time and without notice. We will not be liable if all or any part of the site is unavailable at any time or for any period.

If you have questions about these terms or how they apply to your situation, please contact Bartley Insurance Services directly so we can walk through them with you in plain language.