Effective Date: April 9, 20245

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Welcome to the website of Ferguson Insurance Advisors ("we," "us," or "our"). By accessing and using our website (the "Site"), you agree to comply with and be bound by the following Terms and Conditions (the "Agreement"). Please read this Agreement carefully before using the Site.

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1. Acceptance of Terms

By accessing or using the Site, you agree to these Terms and Conditions. If you do not agree to these Terms, you should not use the Site. We reserve the right to update or modify these Terms at any time, and your continued use of the Site after any such changes constitutes your acceptance of the modified Terms.

2. Use of Site

Ferguson Insurance Advisors grants you a limited, non-exclusive, and non-transferable license to access and use the Site solely for personal, non-commercial purposes. You agree not to use the Site for any unlawful purpose or to interfere with the functionality or security of the Site.

3. Texting and Communication

By providing your phone number and opting in for texting services through the Site, you consent to receive text messages from Ferguson Insurance Advisors regarding your inquiries, updates on services, and any other communication related to your request. Message and data rates may apply. You can opt out of receiving text messages at any time by following the opt-out instructions included in each text message.

4. User Content

You may be able to submit content to the Site, such as inquiries, reviews, or comments ("User Content"). By submitting User Content, you grant Ferguson Insurance Advisors a non-exclusive, royalty-free, perpetual, and irrevocable license to use, modify, display, and distribute such content across all platforms.

You represent and warrant that your User Content does not infringe upon the rights of any third party and is not illegal, harmful, or offensive.

5. Privacy Policy

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

6. Intellectual Property

All content on the Site, including text, images, logos, and trademarks, are the property of Ferguson Insurance Advisors or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any content from the Site without the express written permission of Ferguson Insurance Advisors.

7. Limitation of Liability

To the fullest extent permitted by law, Ferguson Insurance Advisors shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or inability to use the Site, even if we have been advised of the possibility of such damages. This includes, but is not limited to, damages for loss of data, business interruption, or other losses arising from the use of the Site.

8. Indemnification

You agree to indemnify, defend, and hold harmless Ferguson Insurance Advisors, its affiliates, and their respective officers, employees, agents, and licensors from and against any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your infringement of any rights of any third party.

9. Third-Party Links

The Site may contain links to third-party websites that are not owned or controlled by Ferguson Insurance Advisors. We are not responsible for the content, privacy policies, or practices of any third-party websites. By using the Site, you expressly relieve Ferguson Insurance Advisors from any and all liability arising from your use of any third-party website.

10. Termination

We reserve the right to suspend or terminate your access to the Site at our sole discretion, without notice, for any reason, including violation of these Terms and Conditions. Upon termination, your right to use the Site will immediately cease, and you must promptly delete all copies of any content obtained from the Site.

11. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Ohio, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Licking County, Ohio for any legal proceedings arising out of or relating to this Agreement.

12. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13. Entire Agreement

These Terms and Conditions, along with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and Ferguson Insurance Advisors with respect to your use of the Site.

14. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Ferguson Insurance Advisors
Phone: 614-835-7525
Email: sarah@fergusonia.com
Website: www.fergusonia.com