These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 18 (eighteen) years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age.
License to Use Website
Unless otherwise stated, Insurance Partners, Inc., and/or its licensors own the intellectual property rights published on this website and materials used on www.InsurancePartners.com. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages, files or other content from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
- republish material from this website in neither print nor digital media or documents (including republication on another website);
- sell, rent or sub-license material from the website;
- show any material from the website in public;
- reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
- edit or otherwise modify any material on the website;
- redistribute material from this website; or
- republish or reproduce any part of this website through the use of iframes or screenscrapers.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of www.InsurancePartners.com or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities on or in relation to this website without the express written consent of Insurance Partners, Inc.
- data mining
- data extraction
- data harvesting
- ‘framing’ (iframes)
- Article ‘spinning’
You must not use this website or any part of it to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without the express written consent of Insurance Partners, Inc.
Restricted AccessAccess to certain areas of this website is restricted. Insurance Partners, Inc., reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website. Insurance Partners, Inc., may change or modify this policy without notice.
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to Insurance Partners, Inc., a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Insurance Partners, Inc., the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Insurance Partners, Inc., or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Insurance Partners, Inc., reserves the right to edit or remove any material submitted to this website, or stored on the servers of www.InsurancePartners.com, or hosted or published upon this website.
No WarrantiesThis website is provided “as is” without any representations or warranties, express or implied. Insurance Partners, Inc., makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Insurance Partners, Inc., does not warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading.
Limitations of LiabilityInsurance Partners, Inc., will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of-charge, for any direct loss;
- for any indirect, special or consequential loss; or
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
ExceptionsNothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the liability of Insurance Partners, Inc., in respect of any:
- death or personal injury caused by the negligence of Insurance Partners, Inc., or its agents, employees or shareholders/owners;
- fraud or fraudulent misrepresentation on the part of www.InsurancePartners.com; or
- matter which it would be illegal or unlawful for www.InsurancePartners.com to exclude or limit, or to attempt or purport to exclude or limit, its liability.
ReasonablenessBy using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.
You accept that, as a limited liability entity, Insurance Partners, Inc., has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Insurance Partners, Inc.’s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Insurance Partners, Inc.’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as www.InsurancePartners.com.
Unenforceable ProvisionsIf any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
IndemnityYou hereby indemnify Insurance Partners, Inc., and undertake to keep Insurance Partners, Inc. indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Insurance Partners, Inc. to a third party in settlement of a claim or dispute on the advice of Insurance Partners, Inc.’s legal advisers) incurred or suffered by Insurance Partners, Inc., arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of These Terms and ConditionsWithout prejudice to Insurance Partners, Inc.’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Insurance Partners, Inc., may take such action as Insurance Partners, Inc. deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
VariationInsurance Partners, Inc. may revise these terms and conditions from time to time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
AssignmentInsurance Partners, Inc. may transfer, sub-contract or otherwise deal with Insurance Partners, Inc.’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
SeverabilityIf a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with the laws of the state of California and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of California.
If you require any more information or have any questions about our Terms and Conditions, please feel free to contact us.