Compliance

Terms and Conditions for Keystone Insurance
1. Acceptance of Terms
By accessing or using the website yourkeystoneinsurance.com (the Site), you accept and agree to be bound by these Terms and Conditions and any policies referenced herein. If you do not agree, please do not use the Site.
2. Use of the Site
You may use the Site only for lawful, personal, noncommercial purposes. You agree not to use the Site to upload, post, transmit, or distribute content that is unlawful, harmful, defamatory, obscene, or otherwise objectionable, or that interferes with the operation of the Site.
3. Accounts and Information
When the Site requests information from you, you agree to provide accurate, complete, and up‑to‑date information. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account.
4. Intellectual Property
All content on the Site, including text, images, logos, graphics, designs, and software, is owned by Keystone Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print Site content for your personal, noncommercial use only. Any other use, reproduction, modification, or distribution without express written permission is prohibited.
5. Links and Third Party Content
The Site may contain links to third‑party websites or resources. These links are provided for convenience and do not imply endorsement. Keystone Insurance is not responsible for the content, policies, or practices of third parties and has no liability for any third‑party services or websites.
6. Disclaimers and No Professional Advice
Content on the Site is provided for informational purposes only and does not constitute professional, legal, financial, or insurance advice. Coverage needs are unique; always consult a qualified insurance professional before making decisions. The Site is provided “as is” and “as available” without warranties of any kind, express or implied.
7. Limitation of Liability
To the fullest extent permitted by law, Keystone Insurance, its owners, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits or business interruption, arising from or connected with your use of the Site or any linked third‑party sites.
8. Indemnification
You agree to indemnify, defend, and hold harmless Keystone Insurance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your breach of these Terms, your use of the Site, or your violation of any law or third‑party rights.
9. Modifications to the Terms
Keystone Insurance reserves the right to change or update these Terms at any time. Revised Terms will become effective when posted on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
10. Privacy
Use of the Site is also governed by Keystone Insurance’s Privacy Policy, which describes how we collect, use, and protect personal information. The Privacy Policy is incorporated into these Terms by reference.
11. Governing Law and Venue
These Terms and your use of the Site are governed by the laws of the State of Minnesota without regard to conflict of law principles. You agree that any legal action or proceeding arising under these Terms will be brought exclusively in the state or federal courts located in Minnesota.
12. Severability and Waiver
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. Failure to enforce any right or provision will not constitute a waiver of such right or provision.
13. Contact
If you have questions or concerns about these Terms and Conditions, please contact Keystone Insurance at DavidG@yourkeystoneinsurance.com
Effective Date: October 13, 2025