Terms and Conditions of Use
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS SITE. This site is owned and operated by Armfield, Harrison & Thomas, Inc. and its subsidiaries collectively referred to as AHT. By using this site, you signify your agreement to these Terms and Conditions. If you do not agree to these Terms and Conditions, do not use this site. It is further understood that these Terms and Conditions may be modified at anytime.

Restrictions on Use of Materials
This site is copyright protected. Documents, content, images or software contained in this web site may not be copied or reproduced in any form without the express written permission of AHT, unless expressly stated on the specific document, content, image or software.

If you download any material from the site, the material, including any software, files and images, contained in or generated by the material, and accompanying data (together referred to as "Downloaded Material") are deemed to be licensed to you by AHT, for your personal, non-commercial use only. This license is strictly limited by the terms of this disclaimer. AHT does not transfer either the title or the intellectual property rights to the Downloaded Material and AHT retains full and complete title to the Downloaded Material as well as all intellectual property rights therein. You may not sell, redistribute or reproduce the Downloaded Material, nor may you decompile, reverse engineer, disassemble or otherwise convert the Downloaded Material to a human-perceivable form. All trademarks and logos are owned by AHT or its licensors and you may not copy or use them in any manner.

This site is controlled and operated by AHT from within the Commonwealth of Virginia, United States of America. AHT makes no representation that materials in the site are appropriate or available for use in other locations. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Downloaded Material from this site is subject to U.S. export controls. No material from this site may be downloaded or otherwise exported or re-exported into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods or to anyone on the U.S. Treasury Department's list of Specially Designated National or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the software, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list.

Disclaimers and Limitation of Liability
AHT may change, move or delete portions of, or may add to, this web site from time to time.

The materials in this site are provided “as is” and without warranties of any kind either express or implied. AHT does not warrant or make any representations regarding the use or the results of the use of the content or other materials in this site in terms of their correctness, accuracy, reliability, or otherwise.

AHT Disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement. AHT does not warrant the accuracy, completeness or usefulness of any information contained on this site. AHT does not warrant that the functions contained in the materials available on this site will be uninterrupted or error-free, that defects will be corrected, or that the materials, this site or the server that makes them available are free of viruses or other harmful components. You (and not AHT) assume the entire cost of all necessary servicing, repair and correction.

Under no circumstances, including, but not limited to, negligence, shall AHT be liable for any special or consequential damages that result from the use of, or the inability to use, site or any downloaded materials, even if AHT or its representative has been advised of the possibility of such damages. In no event shall AHT total liability to you from all damages, losses, and causes of action (whether in contract, or otherwise) exceed the amount you paid to AHT, if any, for products or services purchased via this site.

Consumer Privacy Notice
AHT has always made it a priority to maintain the confidentiality of the information it receives from its clients. This Privacy Notice explains AHT's policy regarding nonpublic, personal information that is collected by AHT in the course of placing insurance on behalf of its clients.

The firm's Privacy Policy is as follows:

  • AHT may disclose all or part of a client's personal financial information as permitted by law to non-affiliated third parties solely for purposes of servicing or processing an insurance product or service that such consumer requests or authorizes, or to solicit insurance quotations on behalf of a consumer.
  • AHT maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard nonpublic, personal financial information.
  • For its own internal use only, AHT may obtain information concerning nonpublic, personal financial information, for example, name, address, assets, date of birth, driver license number (for automobile insurance) and information concerning policy coverage(s) and premium(s).

AHT reserves the right to amend, modify or supplement this Privacy Policy at any time in accordance with applicable laws and regulations. If changes are made to the Privacy Policy the firm will provide copies of such changes to clients as required by applicable laws.

Links to Other Web Sites
AHT makes no representation whatsoever regarding the content of any other web sites which you may access from this site. When you access a non-AHT web site, please understand that it is independent and that AHT has no control over the content on that web site. A link to a non-AHT web site does not mean that AHT endorses or accepts any responsibility for the content or use of such web site. AHT is not responsible for the privacy practices or the content of any sites not under its control that may be linked to on its site.

Fees/Commission Disclosure
Unless otherwise specifically negotiated and agreed to with our client, AHT's professional fees are customarily based on commission calculated as a percentage of the premium collected by the insurer and are paid to the firm by the insurer. AHT may also receive from insurers and insurance intermediaries additional compensation, which is contingent on volume, profitability or other factors pursuant to agreements the firm may have with them relating to all or part of the business the firm places with those insurers or through those intermediaries. Such agreements may be in effect with one or more of the insurers with whom the client's insurance is placed, or with the insurance intermediary AHT uses to place your insurance. AHT will be pleased to discuss with clients further details of any contingent compensation agreements pertinent to policy placement upon request.