{"id":28,"date":"2026-10-14T21:36:32","date_gmt":"2026-10-14T21:36:32","guid":{"rendered":"https:\/\/nybusinessinsurances.com\/index.php\/terms-of-use\/"},"modified":"2026-10-14T21:36:32","modified_gmt":"2026-10-14T21:36:32","slug":"terms-of-use","status":"publish","type":"page","link":"https:\/\/nybusinessinsurances.com\/index.php\/terms-of-use\/","title":{"rendered":"Terms of Use"},"content":{"rendered":"\n<div class=\"ny\"><section class=\"ny-page-hero\"><div class=\"ny-container\"><p class=\"ny-breadcrumb\"><a href=\"\/\">Home<\/a> \/ Terms of Use<\/p><p class=\"ny-kicker\">Website information<\/p><h1>Terms of Use<\/h1><p class=\"ny-lead\">The ground rules for using our website and starting a conversation.<\/p><p class=\"ny-small ny-muted\">Updated: October 15, 2026<\/p><\/div><\/section><section class=\"ny-section\"><article class=\"ny-container ny-legal ny-prose\"><h2>About these terms<\/h2><p>These terms apply to your use of nybusinessinsurances.com. Please read them together with our <a href=\"\/index.php\/privacy-policy\/\">Privacy Policy<\/a> and <a href=\"\/index.php\/insurance-disclaimer\/\">Insurance Disclaimer<\/a>. Questions can be sent to <a href=\"mailto:info@nybusinessinsurances.com\">info@nybusinessinsurances.com<\/a>.<\/p><h2>Information, not an insurance contract<\/h2><p>The website provides general business insurance information and a way to make an inquiry. Content is not a personalized recommendation, quotation, binder, policy, legal opinion or guarantee of eligibility. Examples are illustrative. Your circumstances and the applicable policy wording must be reviewed separately.<\/p><p>Viewing this website, sending a message or requesting a consultation does not create a client engagement or bind, change, renew or cancel insurance. Any agreed services and fees must be confirmed separately. An insurance transaction requires the involvement and authorization appropriate to the transaction and state.<\/p><h2>Responsible use<\/h2><p>You may use this website for lawful business research and genuine inquiries. Do not impersonate someone else, submit information you are not authorized to share, send spam, interfere with the website, attempt unauthorized access or misuse another person&#8217;s information.<\/p><p>Provide accurate contact details and only the information necessary to explain your request. Do not send passwords, Social Security numbers, payment details, medical records or other sensitive documents through an initial inquiry.<\/p><h2>Website content and links<\/h2><p>Website text, design and branding may be protected by intellectual property rights. You may view and refer to the content for personal or internal business research; this does not grant permission to republish the website or use its branding as your own. Third-party materials remain subject to their owners&#8217; rights.<\/p><p>Links to regulators and other external resources are provided for convenience. Their content and availability are outside this website&#8217;s control. A link does not imply an endorsement, affiliation or agency relationship.<\/p><h2>Availability and decisions<\/h2><p>Content may change and may not address every policy provision, exception or legal requirement. The website may be unavailable or contain errors. Verify material information with the relevant insurer, regulator or appropriately qualified professional before relying on it for a business decision.<\/p><p>Nothing in these terms limits rights or responsibilities that cannot lawfully be limited. These terms do not replace any separately agreed engagement or insurance policy.<\/p><h2>Time-sensitive matters<\/h2><p>Do not rely on this website to report an urgent claim, prevent a lapse or request an immediate coverage change. Contact your insurer or authorized representative using the instructions on your policy, and obtain the required acknowledgment or written confirmation.<\/p><h2>Changes and contact<\/h2><p>These terms may be updated as the website changes. The date above identifies the current version. For questions about website use, contact <a href=\"mailto:info@nybusinessinsurances.com\">info@nybusinessinsurances.com<\/a>.<\/p><\/article><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Terms for using the NY Business Insurances website and submitting a consultation inquiry.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"nybusiness-full","meta":{"footnotes":""},"class_list":["post-28","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":0,"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/pages\/28\/revisions"}],"wp:attachment":[{"href":"https:\/\/nybusinessinsurances.com\/index.php\/wp-json\/wp\/v2\/media?parent=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}