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Terms Of Use

Last Updated September 2nd, 2019.


Your access to and use of this site is subject to the following terms and conditions and all applicable laws. By visiting, accessing, and using this site, you accept the following terms and conditions, without limitation or qualification. You agree to be bound by the terms of this stated policy. References to in this Agreement is indicative of and Parties.

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 or its affiliated agent(s).

Intellectual Property Notices

Unless otherwise stated, the contents of this site including, but not limited to, the copy (text), images and code contained herein and their arrangement are the property of All trademarks used or referred to in this website are the property of their owners. This site and the content provided in this site, including, but not limited to, graphic images, audio, video, html/xhtml 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 content on this site is the proprietary information of and retains all right, title, and interest in it.

Disclaimer Of Warranties

Your use of this site is at your own risk. This website and the materials in this website are provided on an “as is” basis without warranties of any kind, either express or implied. disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. does not represent or warrant that materials on this website are accurate, complete, reliable, current, or error-free. does not represent or warrant that this website or its server(s) are free of viruses or other harmful components. does not warrant that the functions or content contained in this site will be uninterrupted or error-free, that defects will be corrected. does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and may make changes or improvements at any time. You, and not, assume the entire cost of all necessary servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. makes no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omissions in such content. Reference to any products, services, processes, or other information, by trade name, trademark, agents, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Representations & Warranties

You represent and warrant to that, to the best of your knowledge and ability, any and all information submitted by you to this website is true and accurate.

Consent To Contact

You understand that by submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You also understand that by doing so, you consent and expect to be contacted by any and all such licensed insurance agents via telephone, email, SMS text, or direct mail even if you are registered on the federal do-not-call list and/or any applicable state do-not-call list. You may withdraw consent by notifying by phone or email.

Limitations On Liability

In no event will 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.


You agree to defend, indemnify and hold harmless the Parties from and against all claims, actions, demands, liabilities, costs and expenses, including, without limitation, reasonable attorneys’ fees, resulting from your breach of any provision of this Agreement, the Additional Terms, or any warranty you provide herein, or otherwise arising in any way out of your use of the Services and/or any software. You agree to cooperate fully with Parties in asserting any available defenses in connection with a claim subject to indemnification by you under this Agreement.

Jurisdiction; Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of the State of New York, without regard to its choice of law principles to the contrary. If you attempt to bring any legal proceedings against you specifically acknowledge that is free to choose the jurisdiction of our preference as to where such action against us may be held. We can make this decision entirely as it suits us, without regard to where in the world you are located, or from where in the world you visited this site. You hereby irrevocably and unconditionally consent and submit to the jurisdiction of such court over any suit, action or proceeding arising out of your use of 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.

Third Party Content, Products and Services (Including Links)

Links on this site may lead to services or sites not operated by or affiliated with No judgment or warranty is made with respect to such other services or sites and 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.

Privacy & Protection of Personal Information has adopted a Privacy Policy. Please refer to our “Privacy Policy” page before providing any information on this site.


A cookie is a piece of data stored on a user’s computer that is tied to information about that user. None of the cookies this site uses are linked in any way to information personally identifying you . Cookies can be removed at any time by following “Help” directions provided by your browser. In addition, cookies may be disabled at any time by following “Help” directions provided by your browser. Information collected by cookies is analyzed to determine the effectiveness of our site. Users that reject our cookies may still use our site.

Changes To This Agreement

We may revise and update these Terms of Use from time to time. reserves the right, in its sole discretion, to change this Agreement and/or the Additional Terms at any time. will endeavor to provide notice of any material change to this Agreement on the Site but whether or not it provides such notice, your continued use of this the services constitutes your agreement to be bound by any changes to the Agreement. Please review this Agreement and/or the Additional Terms periodically for changes.