Terms & Conditions

Your access to and use of this site is subject to the following terms and conditions and all applicable laws. By accessing and using this site, you accept the following terms and conditions, without limitation or qualification.

Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are the property of the owner of this website. All trademarks used or referred to in this website are the property of their respective owners. The owners of this site will to the maximum extent possible pursue legal action against any individual or entity that infringes this copyrighted material in any way.

Nothing contained in this site shall be construed as conferring by implication, estoppel, or otherwise, any license or right to any copyright, patent, trademark or other proprietary interest of the owner of this website or any third party. This site and the content provided in this site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of the owner of this website, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices.

The information provided on this site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and the owner of this website. Links on this site may lead to services or sites not operated by the owner of this website. No judgment or warranty is made with respect to such other services or sites and the owner of this website takes no responsibility for such other sites or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this site, or any site or service linked to by this site, is at your own risk.

This site and its contents are provided “as is” and the owner of this website makes no representation or warranty of any kind with respect to this site or any site or service accessible through this site. The owner of this site expressly disclaims all express and implied warranties including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In no event will the owner of this site be liable to any party for any direct, indirect, incidental, special, exemplary, consequential, or other damages (including, but not limited to, lost profits, business interruption, loss of programs or data) without regard to the form of action and whether in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with this site, any content on or accessed through this site or any site service linked to, or any copying, displaying, or use thereof.

This site is intended for the purpose of obtaining insurance information. No insurance can be bound or purchased through this site. Policies are available only after applications are completed, underwritten, and approved by an insurer and the premium for that policy is paid.

You agree that these terms of use and any legal action or proceeding relating to this site shall be governed by the laws of the State in which this site’s owner is domiciled without reference to that State’s choice of law rules. If you attempt to bring any legal proceedings against the owner of this site you specifically acknowledge that the owner of this site is is free to choose the jurisdiction of our preference as to where such action against us may be held. You have agreed by using this site to choose the laws of the State in which this site’s owner is domiciled to govern any such proceedings without regard to where in the world you are located, or from where in the world you visited this site.

You are responsible for complying with the laws of the jurisdiction from which you are accessing this site and you agree that you will not access or use the information on this site in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so.

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