Legal Notice

The information provided in this web site, including any links to other web site, is provided for general informational purposes as a convenience to the customers and Internet users of Hornor, Townsend, & Kent, Inc. and its subsidiaries and affiliates (hereinafter referred to as HTK). This information is not a substitute for obtaining legal, tax or other professional advice from a qualified, independent adviser. You should not rely solely upon this information in making any decision, including any decision to buy a product from HTK or any other company.

Disclaimer of Warranty and Limitation of Liability - HTK has made every effort to ensure the accuracy of the information presented on this web site. However, this information is provided "AS IS" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. HTK may make changes, revisions or enhancements to products, programs or services described in this web site at any time without notice.

HTK shall not, under any circumstances, be liable to any person for any direct, indirect, special, incidental, or consequential damages, including, without limitation, damages resulting from use of or reliance on the information presented on the web site, loss of profits or revenues or costs of replacement goods, even if informed in advance of the possibility of such damages. HTK may not be held liable for any loss or damage ascribable to computer viruses when users call up or download data from this web site or from web site called up through hyperlinks from this web site.

Reference in this web site to any products, services, processes, hypertext links to third parties or other information by trade name, trademark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by our organization. Product and services information are the sole responsibility of each individual vendor.

Ownership - The information and content presented on this web site are the property of HTK, or its subsidiaries and affiliates. This includes, but is not limited to, all logos, text, photographs, graphics, forms, software, product literature, marketing material and merchandise. This information and content is protected by copyright. You may make and use printouts of the content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and proprietary notices. Otherwise, unauthorized copying, reproduction, transmitting, duplication or use of this information is expressly prohibited without prior written permission of HTK.

Trademarks, Service Marks and Copyrights - All trademarks, service marks, trade names and logos used by HTK or its subsidiaries are the property of HTK and may not be used or duplicated without written permission by HTK. Images displayed on this web site are either the property of, or used with permission by, HTK. The use of these images is prohibited unless specifically permitted. Any attempt to use copyrighted material within this site may violate current copyright and trademark laws.

Copyright Infringement Policy - The Company is committed to complying with copyright and related laws, and expects all Users to comply with such laws as well. Using the Company's Services to transmit any content (by e-mail, uploading, posting or otherwise) or to engage in any activity that infringes any copyright or any other right of a third party violates Company policy. User represents and warrants to Company (a) that User owns, or is otherwise lawfully authorized to use, any content that User transmits to or through the Services; (b) that use of the content supplied by User does not violate this policy and will not cause injury to any person or entity. User agrees to indemnify Company for all claims resulting from content that User supplies. User agrees that Company, in its sole discretion and for any reason, may terminate part or all of User's access to the Services and delete any content transmitted to or through the Services. User agrees that Company may terminate User's access to the Services at any time and without prior notice.

Claims of Copyright Infringement - If you believe that your work has been copied on Company's web site, systems, or network, in a way that constitutes infringement under the Copyright Act, please provide the following information to Company's Designated Agent for receipt of notification of claimed infringement (to ensure that your notification complies with the requirements of the Digital Millennium Copyright Act, please see 17 U.S.C. § 51(c)(3)):

  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  2. A description of the copyrighted work that you claim has been infringed;
  3. A description of where the material that you claim is infringing is located on the site.
  4. Your address, telephone number, and e-mail address.
  5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  6. A statement by you, made under penalty of perjury, that the above information in your notification is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Company's Designated Agent can be contacted at:

By Mail:
Kevin Reynolds
Penn Mutual Life Insurance Company
600 Dresher Rd
Horsham, PA 19044

By Phone: (215) 956-8989

By Fax: (215) 956-7750

By E-Mail:

Children - HTK does not knowingly market any of our products or services featured on our web site to children under 18 years of age. HTK does not knowingly gather, or solicit data, from children through this web site.

Not a Contract - The contents of this web site do not constitute a contract. This web site is provided only as a general description of our services, products and coverage. It does not include all of the benefits, conditions, limitations and exclusions that may apply to our policies and services. Only a written policy, providing the precise coverage and terms and conditions constitutes a contract. For complete details of the coverage provided by your policy, please be sure to read the contract, including all endorsements.

Not an Offer to Sell, Not a Solicitation to Buy, Nor Investment Advice - The information contained in this web site, including any prospectus information, is not an offer to sell or a solicitation of an offer to buy any insurance product, service or security. Nothing in this web site constitutes investment advice.

Governing Law - These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania. You hereby consent and submit to the jurisdiction of the courts of the Commonwealth of Pennsylvania in any action or proceeding instituted under or related to the use of this web site.

Company Information - HTK is domiciled in the Commonwealth of Pennsylvania.  It's principal place of business is 600 Dresher Road, Suite C1C, Horsham, Pennsylvania 19044.

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