TERMS OF USE

Peychev Insurance Agency LLC
Effective Date: 12/08/2025

These Terms of Use (“Terms”) govern your access to and use of the website operated by Peychev Insurance Agency (“Company,” “we,” “us,” or “our”).

By accessing or using this website (the “Site”), you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

1. Website Purpose / No Guarantee of Coverage

This Site is provided for general informational and marketing purposes only.

  • Submitting a form or contacting us through this Site does not:
  • Create an agent–client relationship
  • Bind or change coverage
  • Guarantee that a policy will be issued

Coverage can only be bound, changed, or confirmed through a licensed agent and only after all required information is reviewed and accepted by the carrier.

If you need to report a claim, bind coverage, or request changes, you must contact us directly by phone or through your carrier, and confirm that changes have taken effect.

2. Eligibility & Lawful Use

You may use this Site only if you:

  • Are at least 18 years old; and
  • Use it for lawful purposes only.

You agree not to:

  • Use the Site in any way that violates applicable law
  • Attempt to gain unauthorized access to any systems or data
  • Interfere with the operation or security of the Site

3. No Professional Advice

Content on this Site is general in nature and is not tailored to your specific situation. Nothing on the Site is intended to:

  • Replace the advice of a licensed insurance professional
  • Serve as legal, tax, or financial advice

All coverage decisions should be made after speaking with a licensed agent and reviewing policy documents provided by the carrier.

4. Intellectual Property

All text, graphics, logos, and other content on the Site are the property of Peychev Insurance Agency or its licensors and are protected by copyright and other intellectual property laws.

You may not:

  • Reproduce, distribute, modify, or create derivative works from the Site’s content
  • Use our name, logo, or branding without our prior written consent

You may view, print, or download content for your personal, non-commercial use only.

5. Third-Party Links

The Site may contain links to third-party websites (including carriers, partners, or resources). We do not control and are not responsible for:

  • The content, policies, or practices of third-party sites
  • Any products or services offered on those sites

Accessing third-party links is at your own risk.

6. Communications & Contact Consent

When you submit your information through a form on this Site, you authorize us to contact you regarding:

  • Insurance quotes
  • Coverage Reviews
  • Policy Updates
  • Policy information or follow-up
  • Customer Support

We may contact you by phone, email, or (if enabled) text message using the contact details you provide.

  • Message & data rates may apply for SMS.
  • Opt-in Message:
  • Thank you for opting into SMS messages from Peychev Insurance Agency LLC. To opt out at any time, reply STOP. For assistance, reply HELP. Message and data rates may apply. Messaging frequency may vary
  • Opt-Out Message:
  • Thank you for opting out of SMS messages from Peychev Insurance Agency LLC. You will not receive any further SMS communications. To opt back in at any time, reply START. 
  • Help Message:
  • Thank you for contacting Peychev Insurance Agency LLC. For immediate assistance, please call 208-805-4491 or visit www.protectingidaho.com. Message and data rates may apply.

We do not sell your contact information to third parties for their own marketing.

7. Disclaimer of Warranties

The Site and its content are provided on an “as is” and “as available” basis.

We do not warrant that:

  • The Site will be uninterrupted or error-free
  • The information on the Site is complete, current, or free from errors

We may update or change content at any time without notice.

8. Limitation of Liability

To the fullest extent permitted by law, Peychev Insurance Agency and its owners, employees, and agents shall not be liable for any:

  • Indirect, incidental, consequential, or special damages
  • Loss of data, income, or profits
  • Claims arising from your use of or reliance on the Site

Your sole remedy for dissatisfaction with the Site is to stop using it.

9. Indemnification

You agree to indemnify, defend, and hold harmless Peychev Insurance Agency from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of:

  • Your use of the Site; or
  • Your violation of these Terms or applicable law.

10. Changes to the Site and Terms

We may modify, suspend, or discontinue any part of the Site at any time without notice.

We may update these Terms from time to time. The “Effective Date” at the top will indicate the latest version. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Idaho, without regard to its conflict-of-law rules.

Any dispute arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Idaho, and you consent to the jurisdiction of such courts.

12. Contact Information

If you have any questions about these Terms:

Peychev Insurance Agency LLC
Email: info@protectingidaho.com
Phone: (208) 805-4491