Website Terms and Conditions

Presidential Insurance Agency www.presidentialins.com

Effective Date: October 21, 2026 Last Updated: October 21, 2026

1. Acceptance of Terms

Welcome to the website of Presidential Insurance Agency ("Agency," "we," "us," or "our"), located at www.presidentialins.com (the "Site"). By accessing or using this Site, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use the Site.

These Terms apply to all visitors, users, and anyone else who accesses the Site. Our use of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

2. About Us

Presidential Insurance Agency is an independent insurance agency, established in 2001, offering auto, home, life, and commercial insurance. Our office is located at 4912 N Lincoln Ave, Suite 102, Chicago, IL 60625. You may reach us at 773-274-5999 or bziya4@presidentialins.com.

The Agency is licensed as an insurance producer in the State of Illinois and Arizona.

3. Informational Purposes Only; No Insurance Advice Through the Site

The content on this Site, including text, articles, quotes, rate estimates, coverage descriptions, and links, is provided for general informational purposes only. It is not insurance, legal, tax, or financial advice, and it does not create an agent-client relationship between you and the Agency.

Coverage recommendations depend on your individual circumstances and should be discussed directly with a licensed agent at our office. Descriptions of coverage on this Site are summaries only and do not modify, amend, or replace the terms, conditions, limits, exclusions, or endorsements of any insurance policy.

4. No Coverage Through the Site

Except as stated otherwise in writing by us or the insurance carrier:

• Submitting a quote request, application, or any form through the Site does not bind coverage.
• Coverage is not in effect until we confirm in writing (or the carrier confirms) that coverage has been bound, and any required premium has been received.
• Do not use the Site, email, or voicemail to report a claim or to request changes that you need to take effect immediately. To report a claim, contact your insurance carrier directly using the claims number on your policy or ID card, and notify our office as soon as possible. To make urgent policy changes, call our office at 773-274-5999.

Sending us an email or message through the Site does not guarantee that we have received it or that it will be read immediately.

5. Quotes and Rates

Any quotes, premium estimates, or rate information provided through the Site or in connection with it are estimates only and are based on the information you provide. Final premiums are determined by the insurance carrier after underwriting and may differ from any estimate. Quotes may change or expire, and are subject to underwriting approval, eligibility requirements, and the availability of coverage. Insurance products, features, discounts, and carriers may vary by state and are not available in all areas.

6. Carrier Names and Third-Party Content

We represent a range of insurance carriers. Carrier names, logos, and trademarks that appear on the Site belong to their respective owners and are used to identify the carriers with which we may place business. Their appearance does not imply endorsement, sponsorship, or that any particular carrier will offer coverage to you.

The Site may contain links to third-party websites, including carrier websites, payment portals, and educational resources. We do not control and are not responsible for the content, accuracy, security, or privacy practices of any third-party site. A link does not mean that we endorse the site or its content. You access third-party sites at your own risk and subject to their terms.

7. Your Responsibilities and Accuracy of Information

When you submit information through the Site, you agree that:

• The information is accurate, complete, and current to the best of your knowledge.
• You have the authority to provide it (for example, you will not submit another person's information without their permission).
• You understand that inaccurate or incomplete information can affect eligibility, pricing, and claims, and may result in a policy being cancelled, rescinded, or a claim being denied.

You are responsible for maintaining the confidentiality of any account credentials you use on the Site and for all activity under your account. Please notify us promptly of any unauthorized use.

8. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law or regulation.
• Submit false, misleading, or fraudulent information, including any information intended to obtain insurance coverage or benefits to which you are not entitled.
• Attempt to gain unauthorized access to the Site, our systems, servers, or networks, or to other users' accounts or data.
• Interfere with or disrupt the operation or security of the Site, including by introducing viruses, malware, or other harmful code.
• Use automated tools such as bots, scrapers, or crawlers to access the Site or collect data from it without our written permission.
• Copy, reproduce, or use the Site's content to compete with us or to mislead others about your affiliation with us.

We reserve the right to restrict or terminate access to the Site for anyone who violates these Terms.

9. Intellectual Property

Unless otherwise noted, all content on the Site, including text, graphics, logos, images, layout, design, and software, is the property of Presidential Insurance Agency or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view and print content from the Site for your personal, non-commercial use, provided you keep all copyright and other proprietary notices intact. You may not otherwise copy, modify, distribute, publish, transmit, or create derivative works from the Site's content without our prior written permission.

10. Privacy and Data Security

Your privacy matters to us. Our collection, use, and protection of personal information are described in our [Privacy Policy]. By using the Site, you consent to the practices described there.

We take reasonable measures to protect information submitted through the Site. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security. Please do not send sensitive information, such as Social Security numbers, driver's license numbers, bank account or credit card numbers, or detailed health information, by standard email or through general contact forms. If we need this information from you, we will direct you to a secure method of delivery or ask you to provide it by phone or in person.

11. Communications and Consent

By providing your contact information, you agree that we may contact you by phone, email, or text message regarding your inquiry, your policies, and related services. Message and data rates may apply to text messages. You may opt out of marketing communications at any time by following the instructions in the message or by contacting us. Please note that we may still send you service-related or policy-related communications.

[If applicable: Insert separate SMS/TCPA consent language here.]

12. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Site or its servers are free of viruses or other harmful components. We make reasonable efforts to keep Site content accurate and current, but we do not guarantee its accuracy, completeness, or timeliness.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PRESIDENTIAL INSURANCE AGENCY AND ITS OWNERS, AGENTS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Nothing in these Terms limits any liability that cannot be limited under applicable law, nor does it limit any duties we owe as a licensed insurance professional under Illinois law in the course of our professional services provided outside this Site.

14. Indemnification

You agree to indemnify and hold harmless Presidential Insurance Agency and its owners, agents, and employees from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Site, or your submission of false or misleading information through the Site.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to the personal jurisdiction of those courts.

[Optional: add an informal dispute resolution, mediation, or arbitration clause if desired.]

16. Changes to the Site and These Terms

We may modify the Site, or suspend or discontinue any part of it, at any time without notice. We may also update these Terms from time to time. When we do, we will revise the "Last Updated" date above. Your continued use of the Site after changes are posted means you accept the revised Terms. We encourage you to review this page periodically.

17. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. These Terms, together with our Privacy Policy, are the entire agreement between you and the Agency regarding your use of the Site.

18. Accessibility

We are committed to making our Site accessible to everyone. If you have difficulty accessing any content or features, please contact us at 773-274-5999 or bziya4@presidentialins.com and we will work with you to provide the information you need in an alternative format.

19. Contact Us

If you have any questions about these Terms, please contact us:

Presidential Insurance Agency 4912 N Lincoln Ave, Suite 102 Chicago, IL 60625 Phone: 773-274-5999 Email: bziya4@presidentialins.com Website: www.presidentialins.com