Terms and Conditions

Effective Date: 2024

Welcome to the KEyO Insurance Services website (the “Site”). These Terms and Conditions (“Terms”) govern your use of the Site and any services offered by KEyO Insurance Services (“we,” “us,” or “our”). By accessing or using our Site, you agree to be legally bound by these Terms. If you do not agree, please do not use this Site.

1. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms.

You may not use the Site:

In violation of any applicable laws or regulations

To engage in fraudulent, abusive, or harmful behavior

To collect personal data from other users without consent

To disrupt or damage the Site or its servers

2. No Legal or Financial Advice

All content provided on this Site is for informational purposes only and is not intended as legal, financial, or tax advice. Always consult a qualified professional before making any insurance or financial decision.

3. Insurance Quotes and Applications

Any insurance quotes provided through our Site are not binding and are subject to change based on underwriting by the carrier. Submitting an application does not guarantee coverage. KEyO Insurance Services is a licensed insurance brokerage and works with multiple carriers to offer products that may be suitable based on your needs.

4. Intellectual Property

All text, graphics, logos, icons, and other content on this Site are the property of KEyO Insurance Services or our partners and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from this Site without our prior written permission.

5. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect and use your information. By using the Site, you consent to the practices described in that policy.

6. Third-Party Links

Our Site may contain links to third-party websites or services. We do not control or endorse these external sites and are not responsible for their content, terms, or privacy practices.

7. Disclaimers

We make reasonable efforts to keep information on the Site accurate and up to date but do not guarantee it. All services and content are provided “as is” and “as available”

without warranties of any kind, express or implied.

KEyO Insurance Services is not liable for any direct, indirect, incidental, or consequential damages resulting from your use—or inability to use—this Site.

8. Limitation of Liability

To the fullest extent permitted by law, KEyO Insurance Services shall not be liable for any damages or losses resulting from:

Errors or inaccuracies in content

Service interruptions or technical failures

Unauthorized access to personal data

Third-party actions or services linked through the Site

9. Indemnification

You agree to defend, indemnify, and hold harmless KEyO Insurance Services, its affiliates, employees, and agents from and against any claims, damages, liabilities, or expenses arising from your violation of these Terms or misuse of the Site.

10. Governing Law

These Terms are governed by the laws of the State of South Carolina, without regard to its conflict of law principles. Any disputes arising under or related to these Terms shall be resolved in a court of competent jurisdiction located in South Carolina.

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11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site signifies your acceptance of the revised Terms.

12. Contact Information

If you have questions or concerns about these Terms, please contact us.