Terms of Service
Last updated: [May 2026]
Welcome to our website (the "Site"), operated by Payden Knudsen Agency ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use the Site.
Use of the Site
You agree to use the Site only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the Site. You agree not to:
Use the Site in any way that violates applicable laws or regulations
Attempt to gain unauthorized access to any part of the Site, its servers, or related systems
Use automated tools (such as bots or scrapers) to collect content or data from the Site
Interfere with or disrupt the Site or its underlying technology
Misrepresent yourself or submit false information through our contact form
Intellectual Property
All content on the Site — including text, graphics, logos, images, and design — is the property of [Business Name] or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any content on the Site without our prior written permission.
Contact Form Submissions
When you submit information through our contact form, you confirm that the information is accurate and that you have the right to share it. We will handle your submission in accordance with our [Privacy Policy].
Insurance Information Disclaimer
[Business Name] is a licensed insurance agency/agent. Information on this Site about insurance products, coverage, rates, or services is for general informational purposes only and does not constitute an offer to sell insurance, a binding quote, or professional advice. Insurance products and availability vary by state, and all coverage is subject to the terms, conditions, limitations, and exclusions of the actual policy issued.
We are licensed to sell insurance in certain states. Communications through this Site do not create an agent-client relationship, and no coverage is in effect until a policy has been formally issued and accepted in accordance with applicable state insurance laws.
General Disclaimer
The information provided on this Site is for general informational purposes only. While we strive to keep the content accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information.
Any reliance you place on information from the Site is strictly at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Payden Knudsen Agency shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, the Site or any content on it.
Third-Party Links
The Site may contain links to third-party websites, including insurance carriers and partner sites. These links are provided for convenience only. We do not endorse or control the content of third-party sites and are not responsible for their content, privacy practices, or terms of use.
Changes to the Site or Terms
We reserve the right to modify, suspend, or discontinue the Site (or any part of it) at any time, with or without notice. We may also update these Terms from time to time. Any changes will be posted on this page with an updated "Last updated" date. Continued use of the Site after changes means you accept the updated Terms.
Governing Law
These Terms are governed by the laws of the State of Utah, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts located in Utah.
Nothing in these Terms is intended to limit or override the consumer protection or insurance regulations of any state in which we are licensed to sell insurance.
Contact Us
If you have questions about these Terms, please contact us using the information at the bottom of this page.