Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Matt Barczyk Insurance Agency website (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Informational purpose only

The content on this Site is provided for general informational purposes only and is not a contract for insurance, a binder, or an offer to sell insurance. Coverage descriptions, examples, and rate references are summaries and may not reflect every term, condition, limit, or exclusion of any specific policy. Insurance coverage is governed solely by the terms of the policy actually issued by the insurance carrier.

2. Licensing

Matt Barczyk Insurance Agency is a licensed insurance producer in the Commonwealth of Pennsylvania. We may offer products only in states where we are appropriately licensed and appointed. Nothing on this Site constitutes an offer or solicitation of insurance in any jurisdiction where we are not licensed.

3. No professional advice

Information on the Site is not legal, tax, financial, or other professional advice. You should consult qualified professionals and read your actual policy documents before making insurance, legal, or financial decisions.

4. Eligibility and underwriting

All insurance applications are subject to underwriting by the issuing carrier. Not all applicants will qualify, and quoted premiums or estimated savings are not guaranteed. Final premiums depend on information verified during underwriting and the carrier's rating rules in effect at the time a policy is issued.

5. Accuracy of information you provide

You agree that any information you submit through the Site — including through quote forms, calls, texts, and emails — is true, accurate, and complete to the best of your knowledge. Misrepresentations may result in denial of coverage, claim denial, or policy rescission as permitted by law.

6. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms.
• Interfere with or disrupt the Site, its servers, or networks.
• Attempt to gain unauthorized access to any portion of the Site or related systems.
• Scrape, harvest, or otherwise collect information from the Site by automated means without our written permission.
• Submit false, misleading, or fraudulent information.

7. Intellectual property

The Site and its content — including text, graphics, logos, images, and software — are owned by Matt Barczyk Insurance Agency or its licensors and are protected by intellectual property laws. You may view and print Site content for personal, non-commercial reference. Any other use requires our prior written consent.

8. Third-party links and content

The Site may include links to third-party websites, including carrier portals and quote platforms. We do not control and are not responsible for the content, accuracy, or privacy practices of those sites. Use them at your own risk.

9. Communications consent

By submitting your contact information, you agree that we may contact you by phone, text, and email regarding your quote, policy, or account. Standard message and data rates may apply. See our Privacy Policy for details, including how to opt out of marketing messages.

10. Disclaimer of warranties

The Site is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Site will be uninterrupted, error-free, or secure.

11. Limitation of liability

To the fullest extent permitted by law, Matt Barczyk Insurance Agency and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of, or inability to use, the Site, even if advised of the possibility of such damages.

12. Indemnification

You agree to indemnify and hold harmless Matt Barczyk Insurance Agency and its representatives from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

13. Governing law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law principles. You agree to the exclusive jurisdiction of the state and federal courts located in Erie County, Pennsylvania for any dispute arising out of or related to these Terms or the Site.

14. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date at the top reflects the most recent revision. Continued use of the Site after changes constitutes acceptance of the updated Terms.

15. Contact us

Questions about these Terms? Contact Matt Barczyk Insurance Agency by phone at (814) 868-9800 or by mail at our Erie, Pennsylvania office.