LEGAL AND LICENSING

Welcome to PHISOnline.com (the "Website"), a website where consumers, producers, and businesses can research for various insurance products. The Company provides its services to you subject to the following conditions. If you visit at this Website, you accept these conditions. Please read them carefully.

LEGAL JURISDICTIONS ONLY

The insurance services and products described on this Website are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this Website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

USE LIMITATION

This Website is for the use of consumers, producers, and businesses that are researching insurance products. The Company reserves the right to prevent any party who engages in non-permitted use(s) from accessing this Website.

COPYRIGHTS

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws.

DISCLAIMER OF WARRANTIES AND LIMITED LIABILITY

THIS WEBSITE IS PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEBSITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS.TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR EMAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY, ITS AGENTS, OR REPRESENTATIVES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

APPLICABLE LAW

By visiting this Website, you agree that the laws of the State of Illinois, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that may arise between you and the Company. The only exception to this is information relating to Medicare plans, which is governed by Federal law.

EXISTING INSURANCE COVERAGE

Do not cancel any existing insurance until you receive written confirmation from the insurance company to which you are applying that your new policy is in effect.

LICENSING

This Website is brought to you by the following licensed agents/brokers/producers in each respective state which require insurance transactions to be conducted through a licensed agent/broker/producer. Each agent/broker/producer is associated with Preferred Risk Insurance Agency, an Illinois corporation with principal place of business at: