Terms of Service

1. About This Website

This website presents PTX Group and its brands and lets you contact us. It is informational: it does not offer accounts, and you cannot send money, buy insurance or hire a service through it.

PTX Insurance, PTX Exchange and PTX Growth provide their services through their own websites and apps, under their own terms and privacy policies. Those terms, and not these, apply when you use those services. For example, the PTX Exchange app is covered by the PTX Exchange Terms.

2. Using the Website

You agree to use this website lawfully. You agree not to:

• Use it in a way that breaks any law or infringes anyone's rights.
• Send false, misleading, abusive or unsolicited promotional content through the contact form.
• Try to gain unauthorized access to the website or its systems, or interfere with how it works.
• Copy or collect its content by automated means without our written permission.

This website is not intended for users under 18 years of age.

3. Intellectual Property

The content of this website, including text, images, logos and the PTX, PTX Group, PTX Insurance, PTX Exchange and PTX Growth names and marks, belongs to us or to our licensors and is protected by law. You may view and share it for personal, non-commercial purposes. Any other use requires our written permission.

4. Messages You Send Us

When you contact us through the website, you confirm that the information you give is accurate and that you may share it with us. We use it to answer you, as described in our Privacy Policy. Sending us a message does not create a client, advisory or contractual relationship with us.

5. Information on the Website

The content of this website is provided for general information only. It is not financial, insurance, legal or tax advice, and it is not an offer or a commitment to provide any product or service. Products and services of the PTX brands are subject to their own terms, eligibility requirements and availability. We work to keep the information here accurate and current, but we do not guarantee that it is complete or free of errors.

6. Third-Party Links

This website links to websites and services we do not operate, such as social networks and app stores. We are not responsible for their content, terms or privacy practices.

7. Disclaimer of Warranties

This website is provided "as is" and "as available". To the extent permitted by law, we disclaim all warranties, express or implied, including that the website will be uninterrupted, secure or free of errors.

8. Limitation of Liability

To the extent permitted by law, PTX is not liable for indirect, incidental, special or consequential damages arising from your use of, or inability to use, this website or from your reliance on its content. Nothing in these Terms limits any liability or any consumer right that cannot be limited or waived by law.

9. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law rules. This does not take away any protection that the mandatory laws of the place where you live give you.

10. Changes to These Terms

We may update these Terms from time to time. We will post the updated version on this page and change the effective date above. Continuing to use our website after the effective date means you accept the updated Terms.

11. Contact Us