Terms and Conditions

---

Effective Date: January 15, 2026

These Website Terms of Use (“Terms”) govern your access to and use of the Baystate Insurance Group website (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

The Site is provided for general informational purposes. Information on the Site is not legal, financial, or insurance advice and does not create an agent-client relationship.

Coverage is not bound or guaranteed by submitting information through the Site. Insurance eligibility, pricing, and coverage availability are subject to carrier underwriting guidelines and confirmation in writing.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use.

You may not:

• Copy, reproduce, republish, upload, post, transmit, or distribute Site content without our written permission
   
• Modify or create derivative works based on Site content
   
• Use the Site for unlawful purposes, or in a way that violates the rights of others
   
• Attempt to interfere with the Site’s operation or security, including by introducing malware or attempting unauthorized access
   
• “Scrape,” crawl, or use automated tools to extract data from the Site except as permitted by applicable law
   

All content on the Site—such as text, graphics, logos, images, and other materials—is owned by or licensed to Baystate Insurance Group and is protected by copyright, trademark, and other applicable laws.

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, BAYSTATE INSURANCE GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BAYSTATE INSURANCE GROUP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

The Site may contain links to third-party websites. We do not control those websites and are not responsible for their content, policies, or practices. Accessing third-party sites is at your own risk.

We may modify the Site or update these Terms at any time without notice. The “Effective Date” above reflects the most recent update. Your continued use of the Site means you accept any updates.

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles.

If you have questions about these Terms, contact:

Baystate Insurance Group
1301 York Road, Suite 205
Lutherville, MD 21093
Phone: (443) 844-6020
Email: info@savewithbig.com