Terms of Service

These Terms of Service (“Terms”, “Agreement”) govern your access to and use of the website operated by The Ritz Agency, located at https://www.theritzagency.com (“Website”, “we”, “us”, or “our”). By using this Website, you agree to comply with and be bound by these Terms. If you do not agree, please do not use the Website.

________________________________________

1. Use of Website

You agree to use the Website for lawful purposes only. You may not use the Website:

• To transmit or solicit unlawful, defamatory, or harmful content.

• To engage in spam, phishing, or unauthorized access of the site.

• To misrepresent your identity or submit false information.

We reserve the right to terminate your access for any unauthorized or unlawful use.

________________________________________

2. No Financial or Legal Advice

Information on this Website is provided for general informational purposes only and does not constitute legal, financial, or insurance advice. All decisions regarding insurance should be made in consultation with a licensed agent.

________________________________________

3. Quotes and Submissions

Any quotes or insurance options presented via this Website are not binding offers. Final eligibility, underwriting, and pricing decisions are made by licensed agents and/or third-party insurance carriers. Submission of your information does not guarantee coverage.

________________________________________

4. Intellectual Property

All content on this Website—including text, graphics, logos, icons, images, and software—is the property of The Ritz Agency or its content providers and is protected under U.S. copyright, trademark, and other laws.

You may not:

• Copy, reproduce, or distribute any content without prior written permission.

• Use our trademarks or branding without consent.

________________________________________

5. Third-Party Links

The Website may contain links to external sites that are not operated by us. We do not control and are not responsible for their content or practices. Visiting third-party sites is at your own risk.

________________________________________

6. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated by reference into these Terms. Please review it carefully.

________________________________________

7. Limitation of Liability

To the fullest extent permitted by law, The Ritz Agency and its affiliates will not be liable for any damages, including but not limited to indirect, incidental, special, or consequential damages, resulting from your use of or inability to use the Website or any services obtained through it.

________________________________________

8. Indemnification

You agree to indemnify and hold harmless The Ritz Agency, its officers, employees, and affiliates from any claims, losses, liabilities, or expenses (including attorney fees) arising out of your use of the Website, your violation of these Terms, or your violation of any rights of a third party.

________________________________________

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising out of these Terms shall be resolved exclusively in the state or federal courts located in Marion County, Florida.

________________________________________

10. Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Website following any changes constitutes acceptance of those changes.

________________________________________

11. Contact Us

If you have any questions or concerns regarding these Terms, please contact:

The Ritz Agency

📍 1107 E Silver Springs Blvd, STE 1, Ocala, FL 34470, United States

📞 (352) 512-6334

📧 [email protected]