TERMS & CONDITIONS OF SERVICE
Agreement between User and Siloinsurance.com
Welcome to Siloinsurance.com. The Siloinsurance.com website (the “Site”) is comprised of various web
pages operated by Silo Insurance & Financial Services, LLC (“SILO”). The Site may include third party links
provided for user convenience, but not provided or controlled by SILO. The SILO site accepts no
responsibility for a user who chooses to use any provided link at the users sole discretion.
Siloinsurance.com is offered to you conditioned on your acceptance without modification of the terms,
conditions, and notices contained herein (the “Terms”). Your use of Siloinsurance.com constitutes your
agreement to all such Terms. Please read these terms carefully and keep a copy of them for your
Siloinsurance.com is an insurance Agency/Broker website providing a description of insurance
Agency/Broker services and insurance products offered.
Visiting Siloinsurance.com or sending emails to SILO or choosing to use other Text as may be offered or
other exchanges constitutes electronic communications. You consent to receive electronic
communications and you agree that all agreements, notices, text messages, disclosures and other
communications that we provide to you electronically, via email, or other conveyances, and on the Site,
satisfy any legal requirements that such communications be in writing.
Children Under Thirteen
SILO does not knowingly collect, either online or offline, personal information from persons under the
age of thirteen. If you are under 18, you may use Siloinsurance.com only with the permission of a
Links to Third Party Sites/Third Party Services
Siloinsurance.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under
the control of SILO and SILO is not responsible for the contents of any Linked Site, or without limitation
responsible for any link contained in a Linked Site, or any changes or updates to a Linked Site. SILO is
providing these links to you only as a convenience, and the inclusion of any link does not imply
endorsement by SILO of the site or any association with its operators.
Certain services made available via Siloinsurance.com are or may be delivered by third party sites and
organizations. By using any product, service, or functionality originating from the Siloinsurance.com
domain, you hereby acknowledge and consent that SILO may share such information and data with any
third party with whom SILO has a contractual relationship to provide requested products, services, or
functionality on behalf of Siloinsurance.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
You are granted a Non-exclusive, Non-transferable, revocable license to access and use
you warrant to SILO that you will not use the site for any purpose that is unlawful or prohibited by these
Terms. You may not use the site in any manner with could damage, disable, over burden, or impair the
Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to
obtain any materials or information through any means not intentionally made available or provided for
All content included as part of the Service, such as text, graphics, logos, images, as well as the
compilation thereof, and any software used on the Site, is the property of SILO or its suppliers and
protected by copyright and other laws that protect intellectual property and proprietary rights. You
agree to observe and abide by all copyright and other proprietary notices, legends or other information
containing any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create
derivative works, or in any way exploit any of the content, in whole or in part, found on this Site. SILO
content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any
protected content, in part or whole, and you will not delete or alter any proprietary rights or attribution
notices in any content. You will use protected content solely for your personal use, and you will make no
other use of the content without the express written permission of SILO and the copyright owner. You
agree that you do not acquire any ownership rights in protected content. We do not grant you any
licenses, express or implied, to the intellectual property of SILO or our licensors except as expressly
authorized by these Terms.
The Service is controlled, operated and administered by SILO from our offices in the USA. If you access
the Service from a location outside the USA, you are responsible for compliance with local laws. You
agree that you will not use the SILO content accessed in Siloinsurance.com in any country or in any
manner prohibited by any applicable laws, restrictions or regulations.
In the event the parties are not able to resolve any dispute between the arising out of or concerning
these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or
in equity for damages or any other relief, then such dispute shall be resolved only by final and binding ,
arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and
administered by the American Arbitration Association, or a similar arbitration service selected by the
parties, in a location within the State of Texas, USA, mutually agreed upon by the parties. The arbitrators
award shall be final, and judgement may be entered upon it in any court having jurisdiction within the
State of Texas, USA. In the event that any legal or equitable action, proceeding or arbitration arises out
of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and
reasonable attorney fees. The parties agree to Arbitrate all disputes and claims in regard to these Terms
and Conditions or any dispute arising as a result of these Terms and Conditions, whether directly or
indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that
the Federal Act governs the interpretation and enforcement of this provision. The entire dispute,
including scope and enforceability of this arbitration provision shall be determined by the Arbitrator.
This Arbitration provision shall survive the termination of these Terms and Conditions.
You agree to indemnify, defend and hold harmless SILO, its officers, directors, employees, agents, and
third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating
to or arising out of your use of or inability to use the Site or services, any user postings made by you,
your violation of any of the Terms and Conditions of this Agreement, or your violation of the rights of
any Third Party, or your violation of any applicable laws, rules or regulations. SILO reserves the right, at
its own cost, to assume exclusive defense and control of any matter otherwise subject to
indemnification by you, in which event you will fully cooperate with SILO in asserting any available
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class
arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A
PARTY MAY BRING CLAIMS AGAINST THE OTHER PARTY ONLY IN EACH’S INDIVIDUAL CAPACITY, AND
NOT AS A PLAINTIF OR CLASS MEMBER IN ANY PUNTATIVE CLASS, COLLECTIVE AND/OR ,
REPRESENTATIVE PROCEEDINGS, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION
AGAINST THE OTHER. Further, unless both you and SILO agree otherwise, the arbitrator may not
consolidate more than one person’s claims and may not otherwise preside over any form of a
representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS
SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERODICALLY ADDED TO
THE INFORMATION HEREIN. SILO INSURANCE & FINANCIAL SERVICES, LLC AND OR ITS SUPPLIERS MAY
MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
SILO INSURANCE & FINANCIAL SERVICES, LLC AND/OR IT’S SUPPLIERS MAKE NO REPRESENTATIONS
ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE
INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE
FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH
INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS”
WITHOUT WARRANTY OR CONDITION OF ANY KIND. SILO INSURANCE & FINANCIAL SERVICES, LLC
AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS
INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED
WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,TITLE AND
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SILO INSURANCE &
FINANCIAL SERVICES, LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DEFECT, INDIRECT, PUNITIVE,
INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGE WHATSOEVER INCLUDING,
WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY
WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO
USE THE SITE OR RELATED SERVICES, THE PROVISION OF FAILURE TO PROVIDE SERVICES, OR FOR ANY
INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE
SITE, OR OTHER WISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT,
NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF SILO INSURANCE & FINANCIAL SERVICES, LLC OR
ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME
STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR
CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU
AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.
SILO reserves the right, in its sole discretion, to terminate your access to the Site and related services or
any portion thereof at any time without notice. To the maximum extent permitted by law, this
agreement is governed by the laws of the state of Texas, and you hereby consent to the exclusive
jurisdiction and venue of courts in Texas in all disputes arising out of or relating to the use of the Site.
Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of the Terms,
including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you
and SILO due to this agreement or use of this Site. SILO’s performance of this Agreement is subject to
existing laws and legal process, and nothing contained in this agreement is in derogation of SILO’s right
to comply with governmental, court and law enforcement requests or requirements relating to your use
of the Site or information gathered by SILO with respect to such use. If any part of this agreement is
determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the
warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision
will be superseded by a valid, enforceable provision that most closely matches the intent of the original
provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user
and SILO with respect to the Site and it supersedes all prior or contemporaneous communications and
proposals, whether electronic, oral, or written, between the user and SILO with respect to the Site. A
printed version of this agreement and of any notice given in electronic form shall be admissible in
judicial or administrative proceedings based upon or relating to this agreement to the same extent and
subject to the same conditions as other business documents and records originally generated and
maintained in printed form. It is the express wish to the parties that this agreement that all related
documents be written in English.
Changes to Terms
SILO reserves the right, in its sole discretion, to change the Terms under which Siloinsurance.com is
offered. The most current version of the Terms will supersede all previous versions. SILO encourages you
to periodically review the Terms to stay informed of our updates.
SILO welcomes your questions or comments regarding the Terms:
SILO INSURANCE & FINANCIAL SERVICES, LLC
4300 WACO DR. STE. B240
WACO, TEXAS 76710
PHONE: (888) 258-8967