Terms and Conditions
Backyard Insurance brokers
terms and conditions
Effective Date: February 7, 2025
Welcome to the website of Backyard Insurance Brokers, located in Buffalo, New York. By accessing or using our website, you agree to be bound by the following Terms and Conditions (the "Agreement"). If you do not agree to these terms, please do not use the site. We reserve the right to update these terms at any time, and the changes will be posted on this page with an updated "Effective Date."
1. Introduction
Backyard Insurance Brokers ("we," "our," "us") is committed to providing you with the best insurance services, products, and resources. These Terms and Conditions govern your access to and use of our website and services, including any transactions, communications, or interactions with our representatives.
By using this website, you confirm that you are at least 18 years old and that you are legally able to enter into a contract under applicable law.
2. Use of the Website
You may use this website for lawful purposes only. You agree not to use the website for any fraudulent, malicious, or illegal activities. You also agree to comply with all applicable laws, regulations, and guidelines while using the website.
3. TCPA Compliance
In accordance with the Telephone Consumer Protection Act (TCPA), we are committed to obtaining your consent before sending you any marketing messages or communications via automated technologies, including phone calls or text messages. Our text/SMS messaging is limited to contacting you to qualify you for insurance. Once you are a client, our messages are limited to occaisional marketing, no more than one message every 6 weeks, and policy review or policy renewal reminders.
3rd Party Data Sharing: Unless it is neccessary to complete your insurance application, we do not share your phone numbers or any contact information with any 3rd parties. We do not rent nor sell anyone's personal information. Your information is used solely for the purpose of obtaining an insurance product from us.
Consent: By providing us with your contact information, you give us permission to contact you by phone, text, or email for insurance-related services. You may revoke this consent at any time by following the instructions in the communication or by contacting us directly.
Opting Out: If you no longer wish to receive promotional or marketing communications, you can opt-out by contacting us at optout@backyardinsurance or by replying "STOP" to any text messages received.
Messaging and Data Rates: Message and data rates may apply to any messages sent or received.
SMS/Texting help: While using our SMS/Text service, you may type "HELP" at anytime for assistance.
We will comply with the TCPA and all relevant regulations to ensure that your privacy rights are respected.
4. HIPAA Compliance
As part of our commitment to protecting your personal health information, we adhere to the Health Insurance Portability and Accountability Act (HIPAA). If you provide us with any health-related information as part of the insurance application or inquiry process, we will ensure that your information is protected in accordance with HIPAA standards.
Privacy and Confidentiality: We take the privacy and confidentiality of your health information seriously. Your personal health data will only be shared with parties who need it for processing your insurance application, claims, or related services, in compliance with HIPAA.
Access and Control: You have the right to request access to your health information, request corrections, or revoke your consent for sharing that information at any time by contacting us directly.
5. Privacy Policy
Your privacy is important to us. Please review our Privacy Policy located at https://backyardinsurance.com/Privacy-Policy/, which outlines how we collect, use, and protect your personal information. By using this website, you agree to the terms outlined in the Privacy Policy.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Backyard Insurance Brokers or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or use any of the content without the express written permission of Backyard Insurance Brokers.
7. Disclaimer of Warranties
The information provided on this website is for general informational purposes only. While we strive to ensure that the information is accurate and up-to-date, we make no warranties or representations about the accuracy, reliability, or completeness of the content.
Your use of the website is at your own risk. We do not guarantee that the website will be free from errors, viruses, or other harmful elements.
8. Limitation of Liability
To the fullest extent permitted by law, Backyard Insurance Brokers will not be liable for any indirect, incidental, special, or consequential damages arising from the use of, or inability to use, the website, even if we have been advised of the possibility of such damages.
9. Indemnification
You agree to indemnify and hold harmless Backyard Insurance Brokers, its affiliates, and its employees from any claims, damages, losses, or expenses, including reasonable attorney's fees, arising out of your violation of these Terms and Conditions or your use of the website.
10. Links to Third-Party Websites
Our website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, privacy practices, or terms and conditions of any third-party sites. You access these websites at your own risk.
11. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising from or related to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts located in Erie County, New York.
12. Contact Information
If you have any questions or concerns about these Terms and Conditions, or if you wish to exercise your rights under TCPA or HIPAA, please contact us at:
Backyard Insurance Brokers
109 Bush Street
Buffalo, NY 14207
Main Office Phone: 716-217-5881
Toll Free: 1-855-543-3713
Email: ethics@backyardinsurnce.com
By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. Thank you for choosing Backyard Insurance Brokers.