Website Terms and Conditions of Use

Effective Date: April 1, 2026 Last Updated: July 27, 2026

These Website Terms and Conditions of Use ("Terms") govern your access to and use of www.brollyinsuranceagency.com and any webpages, forms, portals, features, content, communications, or services made available through the website (collectively, the "Website").

The Website is owned and operated by Brolly Insurance Agency LLC ("Brolly," "we," "us," or "our").

By accessing or using the Website, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree to these Terms, do not use the Website.

1. About Brolly Insurance Agency

Brolly Insurance Agency LLC is an independent insurance agency.

Brolly may provide insurance-related services including insurance consultation, quotations, applications, placement, policy servicing, renewal assistance, and other insurance-related services.

Brolly is not an insurance company and does not itself underwrite insurance policies or assume insured risks.

Insurance products are underwritten and issued by the applicable insurance companies. Coverage availability, eligibility, underwriting decisions, policy terms, premiums, deductibles, exclusions, conditions, and other insurance matters are determined by the applicable insurer and the terms of the insurance policy.

2. Website for Informational and Insurance-Service Purposes

The Website provides general information about Brolly and insurance products and services and may permit users to request quotations, submit information, communicate with Brolly, or access other insurance-related services.

Information appearing on the Website is provided for general informational purposes and should not be interpreted as a complete description of any insurance product, policy, coverage, exclusion, condition, or insurer.

Descriptions of insurance coverage are summaries only.

The actual insurance policy, including its declarations, forms, endorsements, exclusions, limitations, conditions, and other provisions, controls in the event of any inconsistency between information appearing on the Website and an issued insurance policy.

3. No Insurance Coverage Created by Website Use

Use of this Website does not create, bind, modify, extend, renew, reinstate, or otherwise establish insurance coverage.

Submitting information through the Website, requesting a quotation, receiving an estimated premium, completing an application, uploading documents, making a payment request, communicating with Brolly, or receiving an automated or electronic response does not by itself constitute an insurance binder or create insurance coverage.

Insurance coverage becomes effective only when coverage has been properly bound or issued by an authorized insurer or its authorized representative in accordance with applicable underwriting requirements and when any conditions required for coverage have been satisfied.

You should not assume that insurance coverage is in effect unless you have received appropriate confirmation that coverage has been bound or issued.

4. No Guarantee of Quotes, Pricing, or Eligibility

Any insurance quote, premium estimate, coverage indication, or similar information provided through or in connection with the Website is preliminary unless expressly stated otherwise.

Quotes and estimates may be based upon information provided by you, information obtained from third parties, assumptions, carrier rating systems, or information available at the time of quotation.

Quotes are subject to:

• Verification of information;
• Underwriting review;
• Carrier eligibility requirements;
• Consumer reports or insurance scores where permitted;
• Claims and loss history;
• Motor vehicle records;
• Property information;
• Inspection results;
• Applicable rates and filings;
• Changes in circumstances;
• Carrier approval; and
• Other underwriting requirements.

A quotation does not guarantee that an insurer will offer coverage or that the final premium or policy terms will match the quotation.

Rates, eligibility, products, and coverage may change without notice as permitted by law.

5. Accuracy of Information You Provide

You are responsible for providing complete, current, and accurate information when requesting insurance services.

Insurance companies rely upon information supplied during the application and underwriting process.

You agree not to knowingly provide false, misleading, incomplete, or fraudulent information through the Website or to Brolly.

You should promptly notify Brolly if information previously provided becomes inaccurate or materially changes.

Incorrect, incomplete, or omitted information may affect insurance eligibility, premiums, underwriting, coverage, policy issuance, cancellation, rescission, or claims, subject to applicable law and policy terms.

6. Requests to Change, Cancel, or Modify Insurance

Requests submitted through the Website, email, text message, voicemail, or other electronic communication are not effective merely because they were transmitted.

This includes requests to:

• Add or remove coverage;
• Increase or decrease limits;
• Add or remove vehicles, properties, drivers, insureds, or locations;
• Change deductibles;
• Add endorsements;
• Cancel a policy;
• Reinstate coverage;
• Bind new coverage;
• Renew coverage; or
• Make any other policy change.

No requested insurance transaction should be considered completed until Brolly or the applicable insurance carrier has confirmed that the requested action has been completed or coverage has otherwise been appropriately bound or issued.

Do not rely solely upon an electronic submission when immediate insurance coverage or a time-sensitive policy change is required.

7. Claims and Losses

The Website may provide information concerning insurance claims or methods for contacting Brolly or an insurance carrier.

Unless expressly designated for that purpose, submission of information through a general Website contact form does not necessarily constitute formal notice of a claim to an insurance carrier.

Policyholders should follow the applicable insurance carrier's claims-reporting requirements and policy provisions.

Brolly does not determine whether a claim is covered and does not control claim adjustment, investigation, valuation, settlement, payment, or denial decisions made by an insurance carrier.

Coverage determinations are governed by the applicable insurance policy and applicable law.

8. No Professional Advice

Website content is provided for general informational purposes.

Nothing on the Website constitutes legal, tax, accounting, investment, financial, medical, risk-management, or other professional advice.

Insurance needs vary substantially based upon individual circumstances. General information on the Website should not be relied upon as a substitute for reviewing your particular insurance needs, policy documents, or advice from an appropriately qualified professional.

9. Insurance Availability and Licensing

Insurance products and services are available only in jurisdictions where Brolly and the applicable insurance professionals are properly licensed and where the applicable insurance product is authorized or otherwise permitted to be offered.

The availability of Website content in a particular jurisdiction does not constitute an offer or solicitation to sell insurance in a jurisdiction where Brolly is not authorized to conduct the applicable insurance activity.

Not all insurance products, insurers, coverages, or services are available in every jurisdiction.

10. Insurance Carrier Relationships

Brolly may represent, have appointments with, obtain quotations from, or otherwise conduct business with multiple insurance carriers, wholesalers, managing general agents, brokers, and other insurance-market participants.

Brolly does not guarantee that it will obtain quotations from every insurer offering a particular type of insurance.

A recommendation, quotation, or placement does not represent a guarantee that the selected insurance product is the lowest-priced or only insurance product available in the marketplace.

Insurance carrier relationships, appointments, product availability, underwriting appetite, compensation arrangements, and market access may change.

11. Privacy Policy

Your use of the Website and provision of personal information to Brolly are also subject to the Brolly Insurance Agency LLC Privacy Policy, as amended from time to time.

The Privacy Policy describes, among other matters:

• Categories of personal information Brolly may collect;
• Sources from which information may be obtained;
• How information may be used;
• Circumstances in which information may be disclosed;
• Information-security practices;
• Data-retention practices;
• Privacy rights and choices; and
• Procedures for contacting Brolly regarding privacy matters.

The Privacy Policy is incorporated into these Terms by reference.

To the extent applicable law imposes requirements different from or additional to these Terms or the Privacy Policy, applicable law controls.

12. Electronic Communications

When you communicate with Brolly electronically, you consent to receive responsive communications electronically where permitted by law.

Electronic communications may include email, website communications, and other electronic methods.

Certain insurance notices, policy documents, disclosures, or other legally required communications may require separate consent to electronic delivery. Nothing in these Terms constitutes consent where applicable law requires a separate affirmative consent.

You are responsible for maintaining accurate contact information and for monitoring communications sent to the contact information you provide.

13. Text Messages and Telephone Communications

If you provide a telephone number to Brolly, Brolly may use that number to communicate with you regarding insurance quotations, applications, policies, service requests, and other matters related to your relationship with Brolly, subject to applicable law.

Marketing calls or text messages requiring separate consent under applicable law will be handled in accordance with applicable consent requirements.

Providing a telephone number does not, by itself, constitute consent to receive communications where applicable law requires additional or specific consent.

Message and data rates may apply to text messages according to your wireless service plan.

14. Website Accounts and Security

If Brolly provides account, portal, or login functionality, you are responsible for maintaining the confidentiality of your login credentials and restricting unauthorized access to your account.

You agree to promptly notify Brolly if you reasonably believe your account, credentials, or information has been compromised.

You may not access another person's account without authorization or attempt to circumvent Website security measures.

15. Acceptable Use

You may use the Website only for lawful purposes.

You may not:

• Use the Website for fraudulent or unlawful purposes;
• Submit knowingly false or misleading information;
• Impersonate another person or entity;
• Attempt to gain unauthorized access to Website systems or data;
• Probe, scan, or test Website vulnerabilities without authorization;
• Introduce viruses, malware, malicious code, or harmful technologies;
• Interfere with Website operation or security;
• Scrape, harvest, or systematically extract Website content or data without authorization;
• Use automated systems to access the Website in a manner that places an unreasonable burden on our systems;
• Attempt to obtain personal information concerning other users;
• Circumvent access controls or security features;
• Use Website content in violation of intellectual-property rights; or
• Assist another person in engaging in prohibited activity.

Brolly may restrict or terminate Website access when it reasonably believes these Terms have been violated.

16. Intellectual Property

Unless otherwise indicated, the Website and its content, including text, graphics, logos, designs, photographs, icons, software, arrangement, and other materials, are owned by Brolly or used with permission and are protected by applicable intellectual-property laws.

Brolly grants you a limited, revocable, nonexclusive, nontransferable right to access and use the Website for lawful personal or business insurance purposes.

No ownership interest or intellectual-property right is transferred to you.

Third-party trademarks, logos, carrier names, and other intellectual property appearing on the Website remain the property of their respective owners.

17. Third-Party Websites and Services

The Website may contain links to websites, portals, applications, quotation systems, payment systems, insurance-carrier websites, or services operated by third parties.

These third-party services are provided for convenience and may be governed by separate terms and privacy policies.

Brolly does not control independent third-party websites and is not responsible for their availability, security, content, accuracy, privacy practices, or operation.

A link to a third-party website does not necessarily constitute Brolly's endorsement of all content, products, or services available through that website.

18. Website Availability

Brolly attempts to maintain Website availability but does not guarantee uninterrupted access.

The Website may become unavailable because of maintenance, updates, technical problems, cybersecurity events, telecommunications failures, third-party service interruptions, circumstances beyond our control, or other causes.

Brolly may modify, suspend, discontinue, restrict, or replace all or any portion of the Website at any time, subject to applicable law.

19. Website Information and Errors

Brolly attempts to provide useful and accurate information but does not warrant that Website information is complete, current, accurate, or error-free.

Website content may contain technical inaccuracies, typographical errors, outdated information, or other errors.

Brolly may correct or update Website information without notice.

Insurance policies and official carrier documentation supersede general Website descriptions concerning insurance coverage.

20. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

BROLLY DISCLAIMS WARRANTIES REGARDING THE WEBSITE, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

BROLLY DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS.

Nothing in this section disclaims obligations that cannot lawfully be disclaimed.

21. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BROLLY INSURANCE AGENCY LLC AND ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, PRODUCERS, CONTRACTORS, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO USE OF OR INABILITY TO USE THE WEBSITE.

This limitation does not exclude liability that cannot lawfully be limited or excluded.

Nothing in these Terms alters the obligations of an insurance carrier under an insurance policy.

22. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Brolly Insurance Agency LLC and its owners, members, managers, officers, employees, producers, contractors, representatives, and agents from claims, liabilities, losses, damages, and reasonable expenses arising from your unlawful use of the Website, your material violation of these Terms, or your infringement of another person's rights.

This provision does not require indemnification for conduct for which indemnification may not lawfully be required.

23. No Waiver

Brolly's failure to enforce any provision of these Terms does not constitute a waiver of that provision or Brolly's right to enforce it later.

A waiver concerning one circumstance does not constitute a waiver concerning another circumstance.

24. Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed to the minimum extent necessary, and the remaining provisions will remain in effect.

25. Governing Law and Venue

These Terms and disputes arising specifically from use of the Website will be governed by the laws of the State of Utah, without regard to conflict-of-law principles, except where federal law or another applicable law controls.

Subject to applicable law and any enforceable agreement providing otherwise, legal proceedings arising specifically from these Terms or use of the Website shall be brought in a court of competent jurisdiction located in Utah.

Nothing in this section alters rights, remedies, jurisdiction, or venue established by an insurance policy or applicable insurance law.

26. Changes to These Terms

Brolly may modify these Terms periodically to reflect changes in the Website, our business, technology, insurance services, legal requirements, or other circumstances.

The revised Terms will be posted on the Website with an updated "Last Updated" date.

Your continued use of the Website after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Material changes will be communicated separately when required by law.

27. Entire Agreement Regarding Website Use

These Terms, together with the Privacy Policy and any additional terms expressly presented in connection with a particular Website feature or service, constitute the agreement between you and Brolly concerning use of the Website.

These Terms do not replace or modify an insurance policy, insurance binder, insurance application, carrier agreement, producer agreement, or other separately executed agreement.

If these Terms conflict with the terms of an insurance policy concerning insurance coverage, the insurance policy controls.

28. Contact Information

Questions concerning these Website Terms and Conditions of Use may be directed to:

Brolly Insurance Agency LLC 226 W 2230 N Provo, Utah 84604

Email: hayden@brollyinsuranceagency.com Phone: 801-615-0279 Website: www.brollyinsuranceagency.com