Terms & Conditions

1. Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. These terms constitute a legally binding agreement between you and Royal Diamond Agency.

2. General Information Only; No Binding Coverage

• Informational Purposes: The content provided on this website is for general informational purposes only and does not constitute professional advice, an offer to sell insurance, or a solicitation to purchase insurance. While we strive to keep the information accurate and up-to-date, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.
• Policy Language Controls: All descriptions of insurance coverage, products, and services on this website are general in nature. The actual terms, conditions, exclusions, and limitations of any insurance policy are governed solely by the specific insurance contract issued by the underwriting insurance company. In the event of any discrepancy between the information on this website and your actual insurance policy, the provisions of your insurance policy will prevail.
• No Binding Coverage: Insurance coverage cannot be bound, added, altered, or changed via submission of any online form, email, voicemail, or facsimile through this website. Any request for insurance, changes to existing policies, or confirmation of coverage must be made directly with a licensed agent of Royal Diamond Agency and will only be effective upon written confirmation from us. We are not responsible for any claims or damages arising from your reliance on unconfirmed coverage.
• Availability: Not all products or services described on this website are available in all states or to all individuals. Eligibility for specific insurance products and discounts is subject to underwriting review and approval by the insurance company.

3. Use of Website and Content

• Limited License: You are granted a limited, non-exclusive, non-transferable right to access and use this website for your personal, non-commercial use to learn about our services and obtain insurance quotes. You may view and print copies of materials from this website for your personal use, provided you do not remove any copyright or other proprietary notices.
• Prohibited Conduct: You agree not to:
  • Use this website for any unlawful purpose or in any way that violates these Terms & Conditions.
  • Transmit any material that is defamatory, obscene, offensive, or otherwise objectionable.
  • Introduce viruses, Trojan horses, worms, or any other malicious or technologically harmful material.
  • Attempt to gain unauthorized access to our website, servers, or any data connected to our website.
  • Interfere with the proper working of the website.
• Accuracy of Information: You represent and warrant that any information you provide to us through this website is accurate, complete, and truthful. Providing false or misleading information may result in the denial of services or cancellation of policies.

4. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Royal Diamond Agency or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. Unauthorized use of any content on this website is strictly prohibited.

5. Third-Party Links

This website may contain links to third-party websites that are not owned or controlled by Royal Diamond Agency. These links are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. The inclusion of any link does not imply endorsement by Royal Diamond Agency. We encourage you to review the terms and privacy policies of any third-party websites you visit.

6. Disclaimer of Warranties

THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, PRODUCTS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THIS WEBSITE ARE PROVIDED BY ROYAL DIAMOND AGENCY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7. Limitation of Liability

IN NO EVENT SHALL ROYAL DIAMOND AGENCY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE WEBSITE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE; (III) ANY CONTENT OBTAINED FROM THE WEBSITE; AND (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

8. Indemnification

You agree to indemnify, defend, and hold harmless Royal Diamond Agency, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your violation of these Terms & Conditions or your use of the website.

9. Governing Law and Jurisdiction

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in New York for the resolution of any disputes arising out of or relating to these Terms & Conditions or your use of the website.

10. Changes to Terms & Conditions

We reserve the right, at our sole discretion, to modify or replace these Terms & Conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the website.

11. Contact Information

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

Royal Diamond Agency
225 Route 82, Suite 5, Fishkill, NY 12524
845.862.2707
info@royaldiamondagency.com