Effective Date: [1/4/24]

Welcome to Bayle & Associates Insurance, LLC ("we," "our," or "us"). By accessing or using our services, you agree to comply with and be bound by these Terms of Service. Please read these terms carefully before using our website or services.

1. Acceptance of Terms

By accessing or using our services, you agree to these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Services

Bayle & Associates Insurance, LLC provides insurance services. Our services may include policy management, claims processing, and other related services.

3. Eligibility

You must be of legal age and have the legal capacity to enter into agreements to use our services. By using our services, you represent and warrant that you meet these requirements.

4. Account Registration

To access certain services, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5. Use of Services

You agree to use our services for lawful purposes and in compliance with these terms. You may not use our services in any way that violates applicable laws or regulations. Failure to be truthful or knowingly leaving out information for dishonest purposes can result in policy termination or further legal action.

6. Payment and Billing

If applicable, you agree to pay all fees associated with our services as outlined in your insurance policy. Payment details are subject to the terms of our policies.

7. Intellectual Property

All content and materials on our website or any of our social media pages, and services are the property of Bayle & Associates Insurance, LLC and are protected by intellectual property laws. You may not use, reproduce, or distribute our content without our express written permission.

8. Disclaimer of Warranties

We provide our services "as is" and without any warranty or condition, express, implied, or statutory. We do not guarantee the accuracy or completeness of our services.

9. Limitation of Liability

To the extent permitted by law, Bayle & Associates Insurance, LLC shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our services.

10. Termination

We reserve the right to terminate or suspend your account and access to our services at our discretion, without notice, for any reason, including if you violate these terms.

11. Governing Law

These Terms of Service are governed by the laws of [Ohio]. Any legal action or proceeding arising out of or relating to these terms shall be brought exclusively in the courts of [Grene Co. Ohio].

12. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. It is your responsibility to review these terms periodically for changes.

13. Contact Us

If you have any questions or concerns about these Terms of Service, please contact us at [Kyle@bayleinsurance.com].