TERMS AND CONDITIONS
These terms and conditions (the "Terms and Conditions") govern the use of www.hoveyinsurance.com (the "Site"). This Site is owned and operated by Hovey Insurance & Financial Services. This Site is a insurance brokerage. By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
Intellectual Property
All content published and made available on our Site is the property of Hovey Insurance & Financial Services and the Site's creators. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.
Limitation of Liability
Hovey Insurance & Financial Services and our directors, officers, agents, employees, subsidiaries, and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless Hovey Insurance & Financial Services and our directors, officers, agents, employees, subsidiaries, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Applicable Law
These Terms and Conditions are governed by the laws of the Province of New Brunswick.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these Terms and Conditions. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
SMS Texting
By registering for SMS communications from Hovey Insurance and Financial Services, you agree to receive conversational messages related to your inquiries and services. Message frequency may vary. On average, 1-2 messages per month.
Message and data rates may apply. To stop receiving messages, reply STOP at any time. For assistance, reply HELP.
For information on how your data is handled, please review our Privacy Policy at https://hoveyinsurance.com/privacy-policy.
Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows:
(506) 832-9030
hoveygroup@hoveyinsurance.com
39 Railway Crescent, Hampton NB E5N 5L2
You can also contact us through the feedback form available on our Site.