Terms of Use

This outline explains terms of use for Pathway Insurance Services, Inc.
and our affiliated web sites. The Terms and Conditions of Use Agreement
(“Terms of Use”) constitutes a binding agreement between you and Pathway
Insurance Services, Inc. Your access to and use of the Sites is subject to
these Terms of Use and all applicable laws. You should read the entire
Terms of Use and Privacy Policy for complete details. By accessing this web
site or any of the web sites owned or controlled by Pathway Insurance
Services, Inc. (each a “Site” and collectively the “Sites”) you agree to be
bound by these Terms of Use. Any content you submit to Pathway Insurance
Services, Inc, through the Pathway Insurance blog, newsletter, or
testimonial surveys via emails, or otherwise, becomes the property of
Pathway Insurance Services, Inc. If you do not acknowledge and agree to
these Terms of Use, then do not enter your information, do not use our
Sites, and do not rely upon discussion points or any information discussed
within our sites. These Terms of Use may be changed by us from time to time
without notice to you, and the latest version will be posted on this

All rights are reserved. No part of the Site and no Content may be
copied, reproduced, republished, publicly displayed, encoded, translated,
transmitted or distributed in any way (including “mirroring”) to any other
computer, server, Web site or other medium for publication or distribution
or for any commercial enterprise, without Pathway Insurance Services, Inc.
express prior written consent. This includes, but is not limited to: All
text, graphics, user interfaces, visual interfaces, photographs,
trademarks, logos, sounds, music, artwork and computer code (collectively,
“Content”),audio files, including but not limited to the design, structure,
selection, coordination, expression, “look and feel” and arrangement of
such Content, contained on the Site is owned, controlled or licensed by or
to Pathway Insurance Services, Inc. and is protected by trade dress,
copyright, patent and trademark laws, and various other intellectual
property rights and unfair competition laws. Any and all violations will be
dealt with to the fullest extent of international copyright law.

It is our intention to provide educational information about general
insurance matters. The content found on this web site should not be relied
upon to make decisions about insurance. Pathway Insurance Services, Inc.
assumes no responsibility and shall have no liability, consequential or
otherwise. You should seek the advice of a competent licensed insurance
agent who is familiar with insurance rules and laws, conditions and terms
and exclusions of coverage that are applicable to the state in which you
live or reside, or intend to travel to.

The author or guest writers assume no responsibility for errors and
omissions of content found on this web site or any affiliated third party
site that is linked, associated, or adjoined to this site. The reader
assumes all responsibility as Insurance laws and regulations can change, or
the interpretation of said laws, regulations, terms and conditions of
policy language can be overturned, suspended, or made invalid; In addition
insurance companies may change policy language, coverage options, terms and
conditions and exclusions. You should take time to thoroughly examine your
insurance policies to become familiar with the terms and conditions and
exclusions. The reader assumes all risk in matters discussed within these

Pathway Insurance Services, Inc. is a licensed insurance agency
operating in the states of Ohio, Kentucky, and Indiana. In addition to
offering insurance products in the states indicated, we have established a
referral service for those former clients living within our marketing
territory who have moved to states in which we are not authorized to sell
insurance in addition to other consumers who wish to receive competitive
insurance quotes from other insurance companies nationwide. In conjunction
with other 3rd party marketing organizations Pathway Insurance Services,
Inc. provides a free matching service that may connect consumers with our
nationwide network of insurance agents and/or companies in states in which
we are not authorized to sell insurance. When you submit your quote request
via our site, a third party company immediately matches you to local and
national agents who can meet your insurance needs. Your information will be
forwarded to a third party agent network to ensure that you receive as many
competitive quotes as possible. Pathway Insurance Services, Inc. is paid a
fee for this service.

By submitting any quote request, you authorize Pathway Insurance
Services, Inc. to complete insurance quotes for you in the states in which
we are licensed to sell insurance or to forward your information by means
of a 3rd party marketing organization of which Pathway Insurance Services,
Inc. has a referral relationship with. With an insurance quote request,
insurance companies will determine pricing and eligibility based on various
reports that will be obtained including, but not limited to, motor vehicle
reports, accident reports, and a consumer report or credit score from a
consumer reporting agency. (also known as a credit bureau) Requesting a
quote through this online quote request system, or by telephone, or by
email, or by any means gives Pathway Insurance Services, Inc. permission
and any 3rd party marketing organization or agent or company recipient to
run the necessary reports to determine your insurance rates and eligibility
for coverage.

By requesting an insurance quote you understand you are extending an
express invitation for insurance agents to contact you by any means
provided on your quote request, including your phone numbers and email
addresses. If you choose to purchase a policy from a particular agent, any
further communications with that agent are not covered under these Terms of

Any third parties who perform services for us are required to safeguard
any customer information and may only use it in connection with performing
those services. Any breach of said security is the sole responsibility of
that third party company and Pathway Insurance Services Inc. is not
responsible for any acts intentional or otherwise from any third party