RF Ougheltree Insurance

Terms and Conditions

Important! Please read these terms and conditions relating to your access and use of the website.

This ("Website") and the materials within it are © 2012 Hull & Company, Inc (RFO).


Hull & Company, Inc (RFO)welcomes you to its Website (the "Site"). The site is provided for general information about all of the different types of insurance that Hull & Company, Inc (RFO) distributes through the companies that we have Producer Agreements with. Coverage can not be bound for any type of insurance by electronic means through use of this site.

By accessing this Site, you agree to be bound by these terms and conditions that govern your use of our Site (the "Agreement"). If you do not agree to these terms and conditions, please do not use the Site.  We may from time to time change the terms and conditions that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. We may change, move, delete portions of, or may add to, our Site from time to time.


Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind.

Despite the efforts of Hull & Company, Inc (RFO) to provide accurate information, it is not possible to completely ensure that all of the information is consistently correct.

The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services distributed by Hull & Company, Inc (RFO) or any other insurance company represented by Hull & Company, Inc (RFO). The insurance coverage distributed by Hull & Company, Inc (RFO) is subject to the terms and conditions of the policies issued and may not be available in all areas.  Each insurance company's coverages are different. For complete details and important exclusions, please read the Privacy Policy.

This Site and the materials herein are provided on an "as is" basis. Hull & Company, Inc (RFO) makes no representations or warranties, either express or implied, of any kind with respect to this Site, its contents or the products and services offered. Hull & Company, Inc (RFO)disclaims all such representations and warranties, express or implied, including, but not limited to, warranties of merchantability and fitness for a particular purpose. In addition, Hull & Company, Inc (RFO) does not represent or warrant that the information accessible via this Site is accurate, complete or current. You acknowledge, by your use of the Site, that your use of the Site is at your sole risk, that you assume full responsibility for all costs associated with all necessary servicing or repairs of any equipment you use in connection with your use of our Site, and that Hull & Company, Inc (RFO) shall not be liable for any damages of any kind related to your use of this Site. Hull & Company, Inc (RFO) has no obligation to update this Site and keep it current. It is up to you as a prudent reader to understand and determine on your own what you need to do in order to make informed decisions in connection with the products and services offered on this site. This Site could include technical or other inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in new editions of this Site. Hull & Company, Inc (RFO) may make improvements and/or changes in the material(s), product(s) and/or the program(s) described in this Site at any time.

Hull & Company, Inc (RFO) may make employment information available through this Website. Hull & Company, Inc (RFO) is an equal opportunity employer. Hull & Company, Inc (RFO) provides equal employment opportunity to qualified persons without regard to race, color, religion, sex, national origin, age, veteran status, or disability. Hull & Company, Inc (RFO)' policy relates to all phases of employment including recruitment, placement, promotion, training, demotion, transfer, layoff, recall and termination, rates of pay, employee benefits, and participation in all company-sponsored employee activities.

Intellectual Property

This Website is or may be protected by copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of the U.S. and other countries. As between you and Hull & Company, Inc (RFO), Hull & Company, Inc (RFO) will own all right, title and interest in and to the Website and the materials set forth in the Website. You agree to notify RFO in writing promptly upon becoming aware of any unauthorized access or use of this Website or of any claim that infringes upon any copyright, trademark or other contractual, statutory or common law rights of any party.

General Use Parameters and Restrictions

Hull & Company, Inc (RFO) grants you a nonexclusive, nontransferable, limited and revocable permission to view this Website and to print individual pages from this Website for your own personal, noncommercial use, provided that you agree to and accept without modification the notices, terms, and conditions set forth in these Terms and Conditions. You may not modify copy, distribute, transmit, display, perform, reproduce, decompile, recompile, disassemble, reverse engineer, upload to, publish, license, create derivative works from, transfer, or sell any information, material, software, products or services from this Website. You may not use the information contained on the Website or any of Hull & Company, Inc (RFO)'s names or marks in connection with any unsolicited mailings, including any spam mailings to any person or entity from the Website.

As a condition of your use of this Website, you represent and warrant to Hull & Company, Inc (RFO) that you will not use this Website for any purpose that is unlawful, immoral, or prohibited by these terms, conditions, and notices. If you do not agree and accept without modification the notices, terms and conditions set forth herein, do not use this Website. Other than these Terms and Conditions, Hull & Company, Inc (RFO) will not enter into any agreement with you or obligation to you through this Website, and no attempt to create such an agreement or obligation will be effective.

Exclusion of Liability; Indemnity

Except as specifically stated on this Site, neither Hull & Company, Inc (RFO) nor any of their affiliates, principals, directors, employees or other representatives will be liable for damages arising out of or in connection with the use of this Site. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties. You agree to defend, indemnify and hold harmless Hull & Company, Inc (RFO) and its principals and officers, directors, employees, agents, distributors and affiliates from and against any and all third-party claims, demands, liabilities, costs, or expenses, including reasonable attorney's fees, resulting from your or related to your use of the Site or your breach of any of the foregoing agreements, representations, and warranties.

Links to Third Party Sites

This Site may contain links to third-party Web sites, which are not under the control of Hull & Company, Inc (RFO). Hull & Company, Inc (RFO) makes no representations of any kind regarding the content or appropriateness of content on such sites, and you hereby irrevocably waive any claim against Hull & Company, Inc (RFO) with respect to such sites. When you access a third-party Web site from this Site, you leave this Site and you do so at your own risk. Hull & Company, Inc (RFO) is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these other Web sites. Hull & Company, Inc (RFO) permits or provides these links merely as a convenience. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

You may include a link to the Hull & Company, Inc (RFO) home page provided the link is for proper purposes and you send written notice in advance of the use of such link to Hull & Company, Inc (RFO) via email to: Webmaster@rfoins.com with your name and the name of your company, the email address and telephone number and the site address where the link to the page will appear.

No Endorsements

No endorsement of any third-party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Site, nor does the inclusion of such links imply that Hull & Company, Inc (RFO) endorses or accepts any responsibility for the content or uses of such linked Web sites.


In order to improve our Site, Hull & Company, Inc (RFO) may use "cookies" to track your visit to the Site. A cookie, which is small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you, functions as your identification card, recording your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (Some Site pages may require authorization and if so, cookies will not be optional. Users choosing not to accept cookies will likely not be able to access those pages.) While Hull & Company, Inc (RFO) may use cookies to track your visit to the Site and our Web servers automatically log the IP/Internet address of your computer, this information does not identify you personally and you remain anonymous unless you have otherwise provided Hull & Company, Inc (RFO) with personal information.

Governing Law and Jurisdiction

This Site (excluding linked sites) is controlled by Hull & Company, Inc (RFO) from its offices within the State of New Jersey, United States of America. By accessing this Site, you and Hull & Company, Inc (RFO) agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of the State of New Jersey, without regard to the conflicts of laws principles thereof. Hull & Company, Inc (RFO) makes no representation that materials on this Site are appropriate or available for use in other locations, and accessing them from territories where this Site's contents are illegal is prohibited. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws.