Terms & Conditions
Webtec Insurance Services, Inc.
This web site ("Web Site") is owned and maintained by Webtec Insurance Services, Inc. ("we," "us," or the "Company").
This Web Site provides users with access to an online collection of information and materials and certain online services (collectively, the "Services") offered by the Company. These materials may include information related to certain insurance products and services ("Products and Services") and insurance-related services provided by the Company. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively with all information and material about the Products and Services, "Content"), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site ("Software").
Limited License and Site Access - The Company hereby grants you a limited license to access and make personal use of this Web Site but not to download (other than page caching, and other than for personal use, as further provided below) or modify it, or any portion of it, except with express written consent of the Company. This license does not include any resale or commercial use of this Web Site or its Contents or Software; any collection and use of any product listings, descriptions or prices; any derivative use of this Web Site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. This Web Site or any portion of this Web Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of the Company. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company or its affiliates without the Company's express written consent. You may not use any meta-tags or any other "hidden text" utilizing any of the Company name(s) or service marks without the express written consent of their owners. Any unauthorized use of this Web Site terminates the permission or license granted by the Company.
Availability of Products and Services - Due to various insurance and other regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Also, Products and Services may vary by jurisdiction and not all Products and Services are available or suitable for all United States jurisdictions. EXCEPT AS EXPRESSLY STATED HEREIN, THE INFORMATION CONTAINED ON THIS WEB SITE IS NOT AN OFFER TO SELL OR A SOLICITATION TO BUY ANY SECURITY, INSURANCE PRODUCT, OR OTHER PRODUCT OR SERVICE BY COMPANY OR ANY INSURANCE COMPANY. No security, insurance product or other product or service is offered or will be sold by Company or any insurance company, or, if sold, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.
Please contact a designated Company representative to find out which Products and Services are available to you in your state.
This Web Site may provide certain summary descriptions or other helpful information regarding Products and Services. Company attempts to be as accurate as possible; however, any such materials are intended to generally describe the Products and Services and are subject in all respects to the specific terms and conditions of the actual policy or product/service agreement to which they refer. Complete policy terms are available upon request.
Insurance quotes are furnished by the individual insurance companies and are subject to change without notice. A quote should not be construed as a promise from the insurance company to actually issue that policy or any other policy to you. Insurance quotes presented are based on the information you have provided to us. To purchase a policy, you must submit a completed application to the insurance company. The insurance company will review your application, along with other information they may obtain from outside sources such as the various Departments of Motor Vehicles. After the insurance company has completed its underwriting process they will determine the actual premium to charge you. This underwriting process may result in higher or lower premiums than your quote.
Copyright - Except as otherwise expressly stated, all Content and Software appearing on this Web Site are the copyrighted work of the Company or third party content suppliers and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content and Software is also the exclusive property of the Company or its affiliates and is protected by U.S. and international copyright laws.
You may download information from this Web Site and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from this Web Site, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of the Company or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by the Company. The Company does not warrant or represent that your use of Content, Services, Software or any other materials displayed on this Web Site will not infringe rights of third parties.
Trademarks and Service Marks - All trademarks, service marks, trade dress, product names, company names or logos, whether registered or not, on the Web Site are the property of the Company or their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of the Company.
Ownership of information submitted via this Web Site - With the exception of any personal data or information you submit (which shall be maintained in accordance with our Privacy Notice), any information you transmit to the Company via this Web Site, whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of the Company. Such information may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. The Company shall be free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Company via this Web Site or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.
Proprietary Software - Any Software accessible through this Web Site is the property of the Company or its suppliers and is protected by U.S. patent, trade secret, and copyright laws and international treaties. Any use of the Software by you other than as required to navigate and to utilize the intended functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, alter, modify, decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by the Company through this Web Site for your use in accessing the Services and Content.
Prohibited Use - Any use or attempted use of this Web Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party's use and utility of the Web Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by the Company to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by the Company, or (vii) any use other than the business purpose for which it was intended, is prohibited.
Further, in connection with your use of the Web Site, you agree you will not:
- create a false identity for the purpose of misleading others or impersonate any person or entity, including but not limited to any Company representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;
- register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Services if you are not expressly authorized by such party to do so;
- provide any information which is false, misleading, omits material facts, or is otherwise incorrect or incomplete in any material respect;
- upload or transmit any message, information, data, text, software or images, or other content ("Material") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another's right of privacy or publicity;
- upload or transmit any Material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships;
- upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another; or
- upload or transmit any Material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party.
The Company reserves the right to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of the foregoing, including but not limited to the suspension or termination of the user's access and/or account.
No Company Editorial Control of Third Party Content; No Statement as to Accuracy - To the extent that any of the Content included in the Web Site is provided by third party content providers, Company has no editorial control or responsibility over such Content. Therefore, any opinions, statements, advice, statistics, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. The Company does not represent or endorse the accuracy or reliability of any opinion, statements, advice, statistics or other information provided by any third party, or represent or warrant that your use of the Content displayed on this Web Site or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with Company. You acknowledge that any reliance on material posted by others will be at your own risk. Statements posted on the Web Site by third parties shall not be attributable to the Company, nor shall the Company have any liability or responsibility in connection with such postings.
Hyperlinks by Third Party Websites - No person is permitted to create a hyperlink to this Web Site without prior written consent of Company.
Web Site Privacy Notice - Our Web Site describes the details of the Company's information practices and procedures for personal information we collect at this Web Site. We urge you to read our Web Site Privacy Notice.
Modification to Services - The Company may, at its discretion, modify or discontinue any of the Products and Services, Content or Software, or any portion thereof, with or without notice. The Company will not be liable to you or any third party for any modification or discontinuance of any of the Products and Services, Content or Software.
Disclaimer - Information contained on this Web Site has been prepared by the Company as a convenience to its users and is not intended to constitute advice or recommendations upon which a user may rely. The Company has used reasonable efforts in collecting, preparing and providing quality information and material, but, unless expressly stated otherwise by the Company, makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other Web Site maintained by the Company. Users relying on information from this Web Site do so at their own risk.
The information and descriptions contained herein are not intended to be complete descriptions of the terms, exclusions and conditions applicable to the Products and Services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement for complete terms, exclusions and conditions. Should you purchase a product from Company or a third party, the terms and conditions applicable to that transaction will govern such purchase, and your use of this Web Site does not affect that purchase in any manner.
This Web Site may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model "what-if" scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report.
YOUR USE OF THIS WEB SITE IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT AND SOFTWARE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, AND THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO WARRANTY THAT THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED, VIRUS-FREE OR ERROR-FREE, OR THAT ANY SUCH PROBLEMS WILL BE CORRECTED.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT THE COMPANY WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PRODUCTS OR SERVICES, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEB SITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS AND SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE WEB SITE, SERVICES, CONTENT OR SOFTWARE. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEB SITE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE THE COMPANY DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE WEB SITE.
Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages; therefore, some of the limitations above may not apply to you.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
When you visit this Web Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this Web Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Age and Location of User - All Content available on this Web Site is solely directed to individuals 18 years of age or older residing in the United States. The Company makes no representation that the Content, information, Services or Software are available for use outside of the United States. Any use of the Services, Content and Software is prohibited where they are not allowed by law.
THIS WEB SITE CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY THE PARTIES
PASSWORD ACCOUNTS, PASSWORDS, AND SECURITY
If you have been given the option to open an account on this Web Site which will provide you with access to password protected portions of the Web Site and you elect to do so, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality of your password and account and for any and all activities that occur under your account. You agree to (a) immediately notify the Company of any unauthorized use of your account or any other breach of security of which you become aware, and (b) exit completely from your account at the end of each online session. The Company will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by the Company or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.
No waiver of any term or condition herein shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
MODIFICATION OF TERMS
Last Updated: February 15, 2011
CA License # 0H02335