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The following terms and conditions apply to Troy Fain Insurance, Inc. and our website www.troyfaininsurance.com. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. By using this site, you are agreeing to be bound by these website Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. Please check the terms and conditions occasionally for changes. Your continued use of the site following changes will mean you accept such changes. 

Use of Materials

This website is owned and operated by Troy Fain Insurance, Inc. No material from the site can be copied, reproduced, modified, republished, uploaded, transmitted, reprinted, or distributed in any way without the expressed written permission from Troy Fain Insurance, Inc. With the exception that you can download or print copy of the materials on a computer for personal, non commercial home use only, provided that you keep all proprietary notices intact. 

Public Forums and Communication

Public forum means a chat area, bulletin board, or email function offered or affiliated with Troy Fain Insurance, Inc. You should not upload to, distribute through, or otherwise publish through the Troy Fain Insurance, Inc. website any content that is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy rights, abusive, illegal, or otherwise distasteful that would constitute or encourage a criminal offense or violate he rights of any party. Information, perspectives, and opinions expressed in the Forum are views of the person posting the message and do not reflect the views of Troy Fain Insurance, Inc. and are not endorsed, supported, encouraged, sanctioned, verified, or agreed upon by Troy Fain Insurance, Inc. Troy Fain Insurance, Inc. reserves the right to remove or edit content that we believe may be offensive to our viewers and/or violates our policy. Please be advised that these materials may not always be removed or edited in a timely fashion. Troy Fain Insurance, Inc. is not responsible for any unsolicited email you may receive as a result of participating in the Forum. Troy Fain Insurance, Inc. reserves the right to terminate you ability to access the Forum for any reason and without notice. By communication in the Forum, you represent that you have all necessary rights in the materials, or other information that you have provided, transmitted, or posted to the Forum. By uploading materials to the Forum or submitting any materials to us, you automatically grant us a perpetual, royalty-free, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivate works from and distribute such materials or incorporate into any form, medium, or technology now known or later developed. In addition, you warrant that all so-called “moral rights” in those materials have been waived. Troy Fain Insurance, Inc. does not claim the responsibility or liability for the materials found in the Forum, nor for any claims, damages, or losses resulting from any use of the forum or the materials contained therein. 


The materials on Troy Fain Insurance, Inc.'s web site are provided "as is". Troy Fain Insurance, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Troy Fain Insurance, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site. Price and time-related information appearing on the Troy Fain Insurance, Inc. website is subject to change. Troy Fain Insurance, Inc. does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Troy Fain Insurance, Inc. does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You assume the entire cost of all necessary servicing, repair, or correction. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Indemnity and Limitation of Liability

You agree to indemnify and hold Troy Fain Insurance, Inc. (and its officers, directors, employees, agents, and representatives) harmless against all claims, liabilities, losses, penalties, expenses, damages, and costs, including reasonable attorney’s fees, resulting from any violation of these Terms and Conditions of Use. Under NO circumstances, including but not limited to, negligence, should Troy Fain Insurance, Inc. be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this site, even if Troy Fain Insurance, Inc. or an authorized representative has been advised of the possibility of such damages. Applicable law may not allow this limitation or exclusion of liability or incidental damages, so the above limitation or exclusion may not apply to you. In no event should Troy Fain Insurance, Inc’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the site. 

Revisions and Errata 

The materials appearing on Troy Fain Insurance, Inc.'s web site could include technical, typographical, or photographic errors. Troy Fain Insurance, Inc. does not warrant that any of the materials on its web site are accurate, complete, or current. Troy Fain Insurance, Inc. may make changes to the materials contained on its web site at any time without notice. Troy Fain Insurance, Inc. does not, however, make any commitment to update the materials. 


Troy Fain Insurance, Inc. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Troy Fain Insurance, Inc. of the site. Use of any such linked web site is at the user's own risk. 

Governing Law 

Any claim relating to Troy Fain Insurance, Inc.'s web site shall be governed by the laws of the State of Florida without regard to its conflict of law provisions.


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