Terms of Use

Welcome to the website of PBI Group Solutions (“PBI Group,” “we,” “us,” or “our”). By accessing or using our website located at www.pbigroupsolutions.com (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Site.

1. About PBI Group

PBI Group is a licensed insurance brokerage agency that specializes in providing Errors & Omissions (E&O) insurance, Cyber Liability insurance, General Liability insurance, and related insurance products and services to real estate professionals. PBI Group acts as an insurance broker and intermediary. We are not an insurance company or carrier, and we do not underwrite insurance policies.

2. No Insurance Contract or Binding Authority

The information provided on this Site is for general informational purposes only and does not constitute an insurance policy, binder, or contract of insurance. No coverage is bound or altered by any communication through this Site, including the submission of forms, quote requests, applications, or email correspondence. Coverage is only effective upon issuance of a policy by the applicable insurance carrier. All insurance products are subject to the terms, conditions, limitations, and exclusions of the actual policy issued.

3. Not Professional Advice

The content on this Site, including articles, blog posts, coverage descriptions, and other materials, is provided for general informational and educational purposes only. Nothing on this Site constitutes legal, financial, tax, or professional insurance advice. You should consult with a qualified professional regarding your specific insurance needs and circumstances before making any decisions related to insurance coverage.

4. Accuracy of Information

While we strive to keep the information on this Site current and accurate, PBI Group makes no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related materials contained on the Site. Insurance products, coverages, premiums, and availability are subject to change without notice and may vary by state. Any reliance you place on such information is strictly at your own risk.

5. Use of the Site

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree not to:

(a) Use the Site in any way that violates any applicable federal, state, or local law or regulation;

(b) Use the Site to transmit or procure the sending of any advertising or promotional material without our prior written consent, including any “junk mail,” “chain letter,” “spam,” or similar solicitation;

(c) Impersonate or attempt to impersonate PBI Group, a PBI Group employee, another user, or any other person or entity;

(d) Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site;

(e) Use any automated system, including without limitation “robots,” “spiders,” or “scrapers,” to access the Site for any purpose without our express written permission.

6. Intellectual Property

All content, features, and functionality on this Site — including but not limited to text, graphics, logos, images, trademarks, service marks, and software — are the property of PBI Group or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Site without our prior written permission.

7. Third-Party Links

This Site may contain links to third-party websites, including but not limited to insurance carrier websites, industry associations, and other resources. These links are provided for your convenience only. PBI Group does not control, endorse, or assume any responsibility for the content, privacy policies, or practices of any third-party websites. Your access to and use of any third-party website is at your own risk and subject to the terms and conditions of use for such websites.

8. Privacy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of information as described in our Privacy Policy.

9. SMS Terms

PBI Group sends text messages to those that opt in. Messages we send include Customer Care and message frequency will vary based on client needs and inquiries. Message and data rates may apply. Text HELP or contact us at info@pbigroupsolutions.com for support. Text STOP to opt out of future messages at any time.

10. Quote Requests and Applications

By submitting a quote request, application, or any other form through this Site, you represent that the information you provide is true, accurate, and complete to the best of your knowledge. You understand that providing false, misleading, or incomplete information may result in the denial of coverage or the voidance of any policy that may be issued. PBI Group reserves the right to verify any information submitted through this Site.

11. Limitation of Liability

To the fullest extent permitted by applicable law, PBI Group, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, business opportunities, or goodwill, arising out of or in connection with your use of or inability to use this Site, even if PBI Group has been advised of the possibility of such damages.

In no event shall PBI Group’s total liability to you for all claims arising out of or relating to the use of this Site exceed the amount you paid, if any, to PBI Group for accessing the Site during the twelve (12) months immediately preceding the claim.

12. Disclaimer of Warranties

THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. PBI GROUP DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

13. Indemnification

You agree to defend, indemnify, and hold harmless PBI Group, its officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Arlington County, Virginia, and you hereby consent to the personal jurisdiction and venue of such courts.

15. Changes to These Terms

PBI Group reserves the right to modify or update these Terms at any time, in our sole discretion, without prior notice. Any changes will be effective immediately upon posting on this page, and the “Effective Date” at the top of this page will be updated accordingly. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes. We encourage you to review these Terms periodically.

16. Termination

We may terminate or suspend your access to the Site, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Site will immediately cease.

17. Severability

If any provision of these Terms is held to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

18. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by PBI Group on the Site, constitute the entire agreement between you and PBI Group concerning the use of this Site.

19. Contact Information

If you have any questions about these Terms of Use, please contact us:

PBI Group
1405 S Fern St #96426
Arlington, VA 22202
Phone: (443) 502-5645
Email: info@pbigroupsolutions.com