Terms of Use

Updated on 01-16-2026

Terms of Use

These Terms of Use constitute a legally binding agreement between you, whether personally or on behalf of an entity you represent (“you”), and Rogers No Ka Oi, doing business as Trailstone Insurance Group (“Trailstone,” “we,” “us,” or “our”), concerning your access to and use of the www.trailstoneinsurance.com website and any related pages or content (collectively, the “Site”). By accessing or using the Site you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree, you must discontinue use of the Site immediately.

We may modify these Terms of Use at any time in our sole discretion by posting the revised terms on the Site. Your continued use of the Site after revisions are posted constitutes acceptance of those changes.

Jurisdiction and Compliance

The Site is intended for users located in the United States. Accessing the Site from other locations where such access or use is unlawful is at your own risk and responsibility.

The Site is not designed to comply with industry-specific regulations such as HIPAA or FISMA. You may not use the Site in a manner that violates the Gramm-Leach-Bliley Act or any applicable privacy or data protection laws.

The Site is intended for users age 18 or older. Individuals under 18 may not use the Site.

Intellectual Property Rights

Unless otherwise stated, the Site and all content on the Site, including text, graphics, logos, images, and website design (collectively, the “Content”), are owned by or licensed to Trailstone and are protected by United States and international copyright and trademark laws. The Content is provided for informational and personal use only.

You may view, download, and print Content solely for your personal, non-commercial use. You may not reproduce, distribute, modify, display, publish, or otherwise exploit any Content without our prior written consent.

User Representations

By using the Site you represent and warrant that you will use the Site only for lawful purposes and in a manner consistent with all applicable laws and these Terms of Use. You agree not to access or use the Site through automated means, scrape data, attempt to gain unauthorized access, transmit malicious code, or otherwise interfere with the Site’s operation or security.

Submissions and Communications

Any information you submit through the Site, including quote requests, contact forms, or other inquiries (collectively “Submissions”), is considered non-confidential and becomes our property. We may use Submissions for any lawful business purpose. You represent that the information you submit is accurate and does not violate third-party rights.

Privacy Policy

Our use of the Site and any personal information you provide is subject to Trailstone’s Privacy Policy, available at www.trailstoneinsurance.com/privacy-policy. The Privacy Policy describes how we collect, use, and share your information, including but not limited to:

• Contact information you submit through quote requests or forms. 


• Automatically collected technical data such as IP address, browser type, referring pages, and operating system. 


• Location-based data with your permission when enabled for location-specific services. 
Trailstone may share personal information to comply with legal obligations, protect safety, investigate fraud, or with your consent. 

By using the Site you consent to collection, processing, storage, and transfer of your data as described in the Privacy Policy.

Third Party Websites

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

Site Management

We reserve the right to monitor and manage the Site, enforce these Terms of Use, restrict or terminate access, and take legal action to protect our rights.

Governing Law

These Terms of Use are governed by the laws of the State of Colorado without regard to conflict of law principles.

Dispute Resolution

Any dispute arising out of or related to the Site or these Terms of Use will be resolved through binding arbitration administered by the American Arbitration Association in Littleton, Colorado. You waive the right to a jury trial and agree disputes will be resolved on an individual basis.

Disclaimer

The Site is provided on an “as-is” and “as-available” basis. Your use of the Site is at your sole risk. To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

Limitation of Liability

To the maximum extent permitted by law, Trailstone shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site.

Indemnification

You agree to indemnify and hold Trailstone harmless from any claims, damages, liabilities, or expenses arising from your use of the Site or violation of these Terms of Use.

Electronic Communications

By using the Site and communicating electronically, you consent to receive communications electronically in accordance with applicable law.

Miscellaneous

These Terms of Use constitute the entire agreement regarding your use of the Site. If any provision is unenforceable, the remaining provisions remain in effect. No waiver of any provision constitutes a continuing waiver.

Contact

You can contact us about this privacy statement by writing or emailing us at the address below:

Trailstone Insurance Group

8361 N Rampart Range Road

Suite B210

Littleton, Colorado 80125

Email: help@trailstoneinsurance.com

Phone: 303-792-2355