Terms and Conditions

Buell & Olivieri Insurance Effective Date: July 7, 2026 Last Updated: July 7, 2026

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

1. ACCEPTANCE OF TERMS By accessing or using the website at https://www.bandoins.com (the "Site"), contacting Buell & Olivieri Insurance by phone or email, submitting any form or request, or opting in to receive SMS/text message communications from us, you ("User," "you," or "your") agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please discontinue use of our Site and services immediately. These Terms apply to all visitors, clients, prospective clients, and others who access or use our Site or services.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

2. ABOUT US Buell & Olivieri Insurance is an independent insurance agency licensed to operate in the State of Ohio and other applicable jurisdictions. We are authorized to offer insurance products on behalf of various licensed insurance carriers. Buell & Olivieri Insurance 3249 Wales Ave. NW Massillon, Ohio 44646 Phone: (330) 833-1026 Email: [email protected] Website: https://www.bandoins.com

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

3. USE OF THE WEBSITE a) Permitted Use You may use the Site for lawful purposes only and in accordance with these Terms. You agree not to: - Use the Site in any way that violates applicable federal, state, or local laws or regulations - Transmit unsolicited or unauthorized advertising, spam, or promotional materials - Attempt to gain unauthorized access to any part of the Site or its related systems - Interfere with or disrupt the integrity or performance of the Site - Collect or harvest any personally identifiable information from the Site without authorization - Impersonate any person or entity or misrepresent your affiliation with any person or entity b) Accuracy of Information While we strive to keep the information on our Site current and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics on the Site. c) Third-Party Links Our Site may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

4. INSURANCE SERVICES — DISCLAIMER a) No Coverage Guarantee The information provided on our Site or through our agents is for general informational purposes only and does not constitute a binding insurance contract or guarantee of coverage. All coverage is subject to the terms, conditions, exclusions, and limitations of the applicable insurance policy issued by the respective carrier. b) No Legal or Financial Advice Nothing on this Site constitutes legal, financial, or tax advice. You should consult a qualified professional for advice specific to your situation. c) Quote Information Any insurance quotes provided through our Site or by our agents are estimates only and are subject to underwriting approval, verification of information, and final policy issuance by the respective insurance carrier. Premiums and coverage terms are not guaranteed until a policy is issued. d) Licensing Buell & Olivieri Insurance and its agents are licensed in accordance with applicable state insurance regulations. License information is available upon request.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

5. SMS / TEXT MESSAGE TERMS (10DLC / A2P COMPLIANCE) By providing your mobile phone number and checking the SMS consent box on any of our forms, or by otherwise opting in, you expressly consent to receive recurring automated SMS/text messages from Buell & Olivieri Insurance at the mobile number provided. This consent is not a condition of purchasing any product or service. a) Types of Messages Text messages may include: - Policy quotes and coverage options - Renewal reminders and notices - Appointment confirmations and reminders - Claims status updates - Customer service communications - Promotional offers for insurance products and services b) Message Frequency Message frequency may vary. You may receive up to 4 messages per month. Frequency may increase during active claims, renewal periods, or at your request. c) Message & Data Rates Message and data rates may apply. You are responsible for any charges assessed by your mobile carrier for sending and receiving SMS messages. d) How to Opt Out To stop receiving text messages from us at any time, reply STOP to any message. Upon receipt of your STOP request, we will send you a final one-time confirmation message and remove your number from our active messaging list. You will receive no further messages unless you opt in again. e) How to Get Help Reply HELP to any message for assistance, or contact us directly: - Email: [email protected] - Phone: (330) 833-1026 f) No Third-Party Sharing YOUR MOBILE PHONE NUMBER AND SMS OPT-IN CONSENT WILL NOT BE SOLD, RENTED, OR SHARED WITH THIRD PARTIES FOR THEIR MARKETING OR PROMOTIONAL PURPOSES. g) Carrier Disclaimer Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and is outside our control. h) Supported Carriers Compatible with all major U.S. carriers including AT&T, T-Mobile, Verizon, and others. Availability may vary by carrier.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

6. EMAIL COMMUNICATIONS By submitting your email address through any form on our Site or to our agents, you consent to receive email communications from Buell & Olivieri Insurance, including policy information, quotes, newsletters, and promotional content. You may opt out of marketing emails at any time by clicking the "Unsubscribe" link in any email or by contacting us at [email protected]. Transactional and service-related emails may still be sent as necessary to service your account.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

7. INTELLECTUAL PROPERTY All content on the Site, including but not limited to text, graphics, logos, images, audio clips, and software, is the property of Buell & Olivieri Insurance or its content suppliers and is protected by applicable U.S. and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from our Site without our prior written consent.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

8. LIMITATION OF LIABILITY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUELL & OLIVIERI INSURANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: - YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE - ANY CONTENT ON THE SITE - ANY INSURANCE QUOTE, ESTIMATE, OR RECOMMENDATION PROVIDED - UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA - ANY SMS OR EMAIL COMMUNICATIONS SENT OR RECEIVED OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED $100 USD.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

9. INDEMNIFICATION You agree to defend, indemnify, and hold harmless Buell & Olivieri Insurance and its officers, directors, employees, agents, and affiliates from and against any 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 or our services.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

10. DISCLAIMER OF WARRANTIES THE SITE AND ALL CONTENT, SERVICES, AND MATERIALS AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

11. GOVERNING LAW AND JURISDICTION These Terms and any disputes arising out of or related to them or the use of our Site or services shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Stark County, Ohio, and you hereby consent to personal jurisdiction and venue in such courts.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

12. DISPUTE RESOLUTION In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the use of our Site or services, the parties agree to first attempt to resolve the dispute informally by contacting us at [email protected]. If the dispute cannot be resolved informally within 30 days, either party may pursue resolution through the courts as provided in Section 11 above.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

13. TCPA COMPLIANCE All SMS/text message communications initiated by Buell & Olivieri Insurance are conducted in compliance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and the regulations promulgated thereunder, as well as applicable FCC rules and guidelines. We obtain express written consent before sending any marketing text messages and honor all opt-out requests promptly.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

14. PRIVACY POLICY Your use of the Site and our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://www.bandoins.com/privacy-policy to understand our practices regarding the collection and use of your personal information.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

15. SEVERABILITY If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

16. ENTIRE AGREEMENT These Terms, together with our Privacy Policy, constitute the entire agreement between you and Buell & Olivieri Insurance with respect to the subject matter herein and supersede all prior or contemporaneous communications and proposals, whether oral or written.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

17. CHANGES TO THESE TERMS We reserve the right to update or modify these Terms at any time at our sole discretion. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the Site or our services following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

18. CONTACT US For questions, concerns, or requests related to these Terms & Conditions: Buell & Olivieri Insurance 3249 Wales Ave. NW Massillon, Ohio 44646 Phone: (330) 833-1026 Email: [email protected] Website: https://www.bandoins.com ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

© 2026 Buell & Olivieri Insurance. All Rights Reserved.