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The following are terms of a legal agreement between you and The Ballinger Agency. By accessing, browsing, or using this web site, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, please do not use this web site.

The Ballinger Agency may, without notice to you, at any time revise these Terms of Use and any other information contained in this web site by updating this posting. The Ballinger Agency may also make improvements or changes in the products, services, or programs described in this site at any time without notice.

Products And Services

Not all products and services described in this web site are available in all jurisdictions. All products and services referred to in this web site are subject to availability and qualification. Other terms, conditions, and exclusions may apply.

No offer to sell or solicitation is made by The Ballinger Agency to any person to use any information, materials, products, or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law. The information provided within this web site is intended to give visitors a general overview of The Ballinger Agency's products and services and is not presented to advise visitors of a particular insurance program.

Copyrights And Trademarks

Copyright in the pages, in the screens displaying the pages and in the text, graphics, multimedia components, and other content contained in this web site is owned by The Ballinger Agency unless otherwise indicated and is protected by applicable U.S. and international copyright laws and treaties. This site and all content in this site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, or used for the creation of derivative works without The Ballinger Agency's prior written consent, except that The Ballinger Agency grants you non-exclusive, non-transferable, limited permission to access and display the web pages within this site, solely on your computer and for your personal, non-commercial use of this web site. This permission is conditioned upon your not modifying the content displayed on this site, your keeping intact all copyright, trademark, and other proprietary notices, and your acceptance of any terms, conditions, and notices accompanying the content or otherwise set forth in this site.

Except for the limited permission in the preceding paragraph, The Ballinger Agency does not grant you any express or implied rights or licenses under any patents, trademarks, copyrights, or other proprietary or intellectual property rights.


The information, materials, products and services on this website are subject to change. The Ballinger Agency does not warrant the accuracy, adequacy, completeness, or timeliness of the information, materials, products, and services on this web site or the error-free use of this web site. All web site content is provided as is and as available and without warranties of any kind, express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus.

Limitation Of Liability

In no event shall The Ballinger Agency be liable for any damages, losses or liabilities, including without limitation direct or indirect, special, incidental, consequential damages, losses, or liabilities in connection with your use of this web site or your reliance on or use or inability to use the information, materials, products and services on this site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if The Ballinger Agency is advised of the possibility of such damages, losses, or expenses.


Your use of the hyperlinks on this web site to other Internet sites is at your own risk. The Ballinger Agency is not responsible for the content or accuracy of third party sites hyperlinked from this web site, nor does it guarantee, endorse, authorize, or sponsor the products or services offered on third party sites.

The information provided within our web site is intended to inform as well as entertain, and we sincerely hope you enjoy your visit.