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Terms of Use

(Updated 7/31/2020)

Please read these Term and Condition of Use (“Terms of Use”) carefully before using this PayneWest Insurance, Inc. (“PayneWest”) website (“Site”).  Your use of this Site is expressly conditioned on you acceptance of these Terms of Use.  If you do not agree with any part of the Terms of Use, you must not use this Site.

PayneWest Insurance, Inc. reserves the right to modify the Terms of Use at any time.  Your continued use of this Site will constitute your acceptance of any revisions to the Terms of Use.  Please check this page regularly.

Products & Services

The information contained in this Site are intended as general information and are not necessarily complete description of all terms, exclusions and conditions applicable to the products and services offered by or through PayneWest.  The information is not intended to be a solicitation or an offer to sell in connection with any product or services, nor is any quote obtained via this Site to be considered a binding of coverage.  You are not a client merely by visiting this Site.  Your insurance needs are particular to your individual circumstances, and PayneWest does not purport, by means of this Site, to offer information appropriate or suitable to your individual circumstances.  For complete description of terms, conditions, and exclusions of insurance coverages or other products or services, please contact us directly by phone at the location nearest you or through our e-mail contact on our home page.  Products and services referenced on our Site may not be available in all jurisdictions.

Third Party Sites

As a convenience to you, this Site contains links to other internet websites that are not maintained by PayneWest.  PayneWest is not responsible for the information contained on these sites and make no warranties or representations about the contact of, any products or services offered by, or the intellectual property compliance of, such third-party sites.  We recommend you take the time to read the privacy policies and user agreements of these sites.

PayneWest Insurance partners with Bindable, LLC to obtain insurance quote information. While using our this site, you may be redirected to their page. We encourage you to read their Terms of Use here.

Prohibited Uses of this Site

PayneWest provides services for users of this Site to provide information and relating to insurance products and services offered through and by PayneWest (“Services”).

As a condition of your use of this Site and the Services you agree that you will not:

  • use this Site or the Services to infringe on the intellectually property rights of others in any way;
  • use this Site or the Services or make any attempt to penetrate, modify or manipulate this Site or the Services or any of PayneWest’s hardware or software in order to: invade the privacy of, obtain the identity of, or obtain any personal information (including but not limited to IP addresses of) any PayneWest client or user, or modify, erase or damage any information contained on the computer of any user connected to the Services;
  • reverse engineer any portion of the Services;
  • violate or attempt to violate the security of the Services;
  • submit any information or material to PayneWest that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporate the proprietary material of another.

Privacy & Security

Please review our Privacy Policy, which also governs your visit to this PayneWest Site.

Disclaimer of Warranty

The content and materials in this Site are provided “as is” and “as available” basis, without representation or warranties of any kind, either express or implied.  PayneWest expressly disclaims all warranties, express or implied, with respect to this Site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement.  PayneWest does not warrant or represent that the functions or operation of this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site, its servers or any e-mail sent from PayneWest are free of viruses or other harmful components.  Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

PayneWest expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with the use of or inability to use this Site or any other website linked to this Site, or in connection with any failure of performance, error, omission, interruption, defect, or delay in operation or transmission, any computer virus or any line of failure, even if PayneWest is aware of the possibility of such damages, losses or expenses.  Some states do not allow exclusion of liability for certain damages, so the foregoing exclusions or limitations may not apply to you.

Applicable Laws

This PayneWest Site is controlled by PayneWest from its office in the State of Montana and the substantive laws of the State of Montana will govern any dispute arising under this Agreement, without regard to any conflict of laws provisions.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provisions shall not affect the validity or enforceability of the remaining provisions.


Without limiting the foregoing, PayneWest Services at this Site are not intended for use by or availability to minors.  If you are not an adult under the law where you live or if you are under 18 years of age, you may not access this Site or use the Services.  If so, please immediately discontinue use of the Services and do not access this Site.

By using or accessing this Site or the Services, you acknowledge that you have read, understand and agree to be legally bound by these Term of Use.

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