PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE WEB SITE. By using this Web site, you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use the site. We reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. Please check these terms periodically for changes. Your continued use of the Web site following the posting of changes to these terms will mean you accept those changes. If you are dissatisfied with any Brokers Insurance Group, LLC, or with any of Brokers Insurance Group, LLC terms and conditions, your sole and exclusive remedy is to discontinue using the Brokers Insurance Group, LLC Web site.
RESTRICTIONS ON USE OF MATERIALS. Unless otherwise noted, all materials, including, but not limited to, news articles, images, illustrations, designs, icons, photographs, video clips and audio clips that are part of the Web site (collectively, the "Content") are protected by copyright and owned, controlled or licensed by Brokers Insurance Group, LLC. P.O. Box 1464, Rancho Cucamonga, CA U.S.A. or the party credited as the provider of the Content. You will abide by all additional copyright notices, information or restrictions contained in any Content accessed through the Web site.
No Content from the Web site may be copied, reproduced, framed, hyperlinked, republished, downloaded, uploaded, posted, transmitted, or distributed in any way; provided, however, you may download, where specifically permitted, one copy of the Content on any single computer for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Copying or storing of any Content for other than personal use is expressly prohibited without prior permission from This e-mail address is being protected from spambots. You need JavaScript enabled to view it , or the copyright holder identified in the copyright notice contained in the Content.
If you wish to build a hyperlink to the Web site, you may do so provided you agree to cease such link upon request from Brokers Insurance Group, LLC. No other use is permitted without prior written permission of Brokers Insurance Group, LLC.
Use of any robot, spider, other automatic device, or manual process to monitor or copy our Web pages or the Content is strictly forbidden.
Modification of the Content or use of the Content for any other purpose is a violation of Brokers Insurance Group, LLC copyright and other proprietary rights. For purposes of these terms, the use of any Content on any other web site or networked computer environment is prohibited. Brokers Insurance Group, LLC and other names of Brokers Insurance Group, LLC products referenced herein are trademarks or registered trademarks of Brokers Insurance Group, LLC Inc. Other trademarks/logos are the property of their respective owners.
USAGE BY CHILDREN UNDER 13. The Web site is directed to adults and is not directed to children under the age of 13. Brokers Insurance Group, LLC cannot prohibit minors from visiting the Web site. Brokers Insurance Group, LLC must rely on parents, guardians and those responsible for supervising children under 13 to decide which materials are appropriate for such children to view and/or purchase. Brokers Insurance Group, LLC does not permit registration by and will not knowingly collect personally identifiable information from anyone under 13.
MEMBER ACCOUNT. If you register as a user of this Web site, you will be assigned a username and password that is unique to you. You are responsible for maintaining the confidentiality of the username and password, and responsible for all activities that occur under your username and password. You agree to notify Brokers Insurance Group, LLC of any unauthorized use of your username and password or other breach of security at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .
FEES AND PAYMENTS. Brokers Insurance Group, LLC reserves the right at any time to charge fees for access to portions of the Web site or the Web site as a whole. However, in no event will you be charged for access to the Web site unless we obtain your prior agreement to pay such charges. You will pay all fees and charges incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred. You will pay all applicable taxes relating to use of the Web site through your account.
CONTENT & SERVICES OFFERED. Brokers Insurance Group, LLC has the right at any time to change or discontinue any aspect of the web site, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions will be effective immediately upon posting and any subsequent use by you after such posting will conclusively be deemed to be acceptance by you of such changes, modifications or deletions.
FORUMS & POSTS. "Forum" means letters, e-mails or other types of communications to the editors, Webmaster(s) or employees of Brokers Insurance Group, LLC, and messages posted in connection with online discussions on the Web site. Brokers Insurance Group, LLC welcomes comments from insurance professionals and members of the public relative to the industry.
You will not upload to, distribute through, or otherwise publish through a Forum on the Web site any content which is libelous, defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable that would constitute or encourage a criminal offense, violate the rights of any party, or that would otherwise give rise to liability or violate any law.
The Forums will be used only in a noncommercial manner. You will not, without our express approval, distribute or otherwise publish any material containing any solicitation of funds, promotion, advertising, or solicitation for goods or services. You specifically acknowledge that soliciting other guests of the Web site to join or become members of any commercial online or offline service or other organization is expressly prohibited.
Subject to the terms of the Brokers Insurance Group, LLC privacy policy, in general, we will not monitor or edit the contents of Forum materials unless required in the course of normal maintenance of the Web site and its systems or unless required to do so by law or in the good-faith belief that such action is necessary to: (1) comply with the law or comply with legal process served on Brokers Insurance Group, LLC; (2) protect and defend the legitimate business interests, rights or property of Brokers Insurance Group, LLC, its users, advertisers, customers, sponsors, advertisers or affiliates; or (3) act in an emergency to protect the personal safety of our guests or the public. Users will remain solely responsible for the content of their communications. Brokers Insurance Group, LLC has the right but not the obligation to monitor and edit or remove any Forum communications and content.
SUBMISSIONS. Submissions of articles and/or photographs/images for posting on the Website ("submissions") are encouraged at any time and must be submitted in electronic format via email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it . your email, please inform us if any part of your submission has been previously published, and if so, where and when it has appeared. The right to refuse to post or to accept for publication any submission on the Website is our sole discretion.
By providing your submissions to us, you grant us a perpetual, non-exclusive, irrevocable and royalty-free right and license to reproduce, copy, distribute, modify, edit, create derivative works from and publish your submissions (in original or edited form) on the Website only. You retain your copyright interest as owner and/or author of your submissions and you retain all other proprietary rights in and to such submissions. In our discretion we may add copyright notices to submissions, where appropriate, if your submissions don't already bear an appropriate copyright notice. When you provide submissions to us, you represent and warrant that: (i) you are the sole author of the submission and/or you own the copyright and/or you have sufficient authority from the author or authors to grant Us the rights and licenses set above; and (ii) the submission is a work original to the author (unless identified by you as containing original works of third parties) and that such submission, including all third party works of authorship, does not infringe any copyright, trademark, trade name (or knowingly infringe any patent or any other proprietary right) of any third party.
Unless we execute a written agreement with you stating otherwise, neither you nor any of your licensors will be paid for our use of any article, text, photograph, image or other submission that you provide to us. Any article, text, photograph, image or other published submission will remain in the archives on the Website in perpetuity or until such time as the Website removes the material.
We may transfer this license and its obligations hereunder at any time and without prior consent to any corporate successor in interest, acquirer or other entity that purchases or otherwise obtains substantially all of our business assets or stock, or to any parent corporation or entity, any subsidiary corporation or entity, or any of our divisions that are operated as a separate business.
You will indemnify and hold harmless Brokers Insurance Group, LLC and all officers, directors, shareholders, employees, authorized representatives and agents form and against all claims and expenses, including attorneys' fees, arising out of any messages, information or materials uploaded, posted, distributed, or transmitted to or though this site by you.
Brokers Insurance Group, LLC has no responsibility for the content of any messages, information or materials uploaded, posted, distributed, or transmitted by you of this site. However, Brokers Insurance Group, LLC retains the right, but not the obligation in its sole discretion, to monitor, review, delete or refuse to post any third-party content that Brokers Insurance Group, LLC deems to be objectionable.
PRIVACY. Registration data and certain other information about you are subject to Brokers Insurance Group, LLC privacy policy. For more information, see our privacy Policy.
INDEMNIFICATION. You agree to indemnify, defend and hold Brokers Insurance Group, LLC harmless from any liability, loss, claim and expense, including reasonable attorneys fees, related to your violation or alleged violation of this Agreement or use of the Web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these terms and conditions
NON-TRANSFERABILITY. Your right to use this Web site is not transferable. Any password or right given to you to obtain information is not transferable.
JURISDICTION. Unless otherwise specified, the Content on the Web site is presented solely for the purpose of promoting publications and other products available in the United States, its territories, possessions, and protectorates. The Web site is controlled and operated by Brokers Insurance Group, LLC from its offices within the State of California. Brokers Insurance Group, LLC makes no representation that Content on the Web site is appropriate or available for use in other locations. Those who choose to access the Web site from other locations do so on their own initiative and are responsible for establishing the usability or correctness of any information or Content under any or all jurisdictions and the compliance of that information or Content with local laws, if and to the extent local laws are applicable. All users, including those users who access the Web site from a country other than the U.S., agree that the laws of the State of California will govern any dispute, including those arising from Brokers Insurance Group, LLC use of personal information or otherwise relating to privacy.
TERMINATION. The privileges granted to you by these terms, including the maintenance of a member account, will terminate immediately without notice from Brokers Insurance Group, LLC if, in Brokers Insurance Group, LLC sole discretion, you fail to comply with any provision of these terms. Upon termination, you must destroy all Content obtained from the Web site and all copies thereof, whether made under these terms or otherwise. Brokers Insurance Group, LLC may take such further action as Brokers Insurance Group, LLC determines to be appropriate under the circumstances to eliminate or preclude repeat violations, and Brokers Insurance Group, LLC will not be liable for any damages of any nature suffered by any customer, user, or any third party resulting in whole or in part from Brokers Insurance Group, LLC exercise of its rights under these terms and conditions.
DISCLAIMER. THE CONTENT IN THE WEB SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, BROKERS INSURANCE GROUP, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. BROKERS INSURANCE GROUP, LLC DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER(S) THAT MAKES THE WEB SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. BROKERS INSURANCE GROUP, LLC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THE WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT BROKERS INSURANCE GROUP, LLC) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL BROKERS INSURANCE GROUP BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE WEB SITE, EVEN IF BROKERS INSURANCE GROUP OR AN BROKERS INSURANCE GROUP AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL BROKERS INSURANCE GROUP, LLC TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEB SITE.
NOT ADVICE. This site may contain advice, opinions, and statements of various information providers and content providers. The Content contained on the Web site has been prepared by Brokers Insurance Group, LLC as a service to its readers and the Internet community and is not intended to constitute legal or professional advice, which is always fact specific. Brokers Insurance Group, LLC has used reasonable efforts in collecting, preparing and providing quality information and material, but does not warrant or guarantee the accuracy, completeness, adequacy or currency of the information contained on or linked to the Web site. Users of information from the Web site or links do so at their own risk. Reliance upon any such opinion, advice, statement, or other information will also be at your own risk. Neither Brokers Insurance Group, LLC nor its affiliates, nor any of their respective agents, employees, information providers or content providers will be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, or for any damages resulting therefrom.
OTHER PRODUCTS. Any reference made by the Web site to any specific commercial product, process, or service (or provider of such product, process or service) by trade name, trademark, hyperlink, or otherwise, does not constitute or imply an endorsement, recommendation, or favoring by Brokers Insurance Group, LLC. Content on the Web site may be provided by third parties and users. Any opinions, advice, statements, services, offers or other information expressed or made available by third parties, including information providers, users or others, are those of the respective author(s) or distributor(s) and do not necessarily state or reflect those of Brokers Insurance Group, LLC.
LINKS TO OTHER WEB SITES AND SERVICES. To the extent that the Web site contains links to outside services and resources, Brokers Insurance Group, LLC does not control the availability and content of those outside services and resources. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular service or resource.
SERVICE CONTACT. Contact: This e-mail address is being protected from spambots. You need JavaScript enabled to view it with questions or problems with this Web site.
OTHER. Any rights not expressly granted herein are reserved. These terms will be governed by and construed in accordance with the laws of the State of California. You agree that any action at law or in equity arising out of or relating to these terms will be filed only in the state or federal courts located in San Bernardino County and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action except that if you are located or a resident outside the United States you hereby submit to exclusive binding arbitration, in San Bernardino, California, subject to UNCITRAL rules. If any provision of these terms will be unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of any remaining provisions. You agree that regardless of any law or statute to the contrary, any claim or cause of action arising out of or relating to the Web site and these Terms of Service must be filed within one (1) year of the date the cause of action arose, or be barred as untimely. This is the entire agreement between us relating to the subject matter herein and will not be modified except as provided herein or in writing, signed by Brokers Insurance Group, LLC. To the extent that anything in or associated with the Web site is in conflict or inconsistent with this Agreement, this Agreement will take precedence. Brokers Insurance Group, LLC failure to enforce any provision of this Agreement will not be deemed a waiver of such provision nor of the right to enforce such provision.
DIGITAL MILLENNIUM COPYRIGHT ACT POLICY
- Introduction. This policy is intended to implement the procedures described in the Title II of the Digital Millennium Copyright Act, 17 U.S.C. Section 512 ("DMCA") for the reporting of alleged copyright infringement. It is the policy of Brokers Insurance Group, LLC to respect the legitimate rights of copyright owners, their agents, and representatives. Users of any part of Brokers Insurance Group, LLC Web site are required to respect the legal protections provided by applicable copyright law.
- Designated Agent. Upon receipt of notification of claimed infringement, Brokers Insurance Group, LLC will follow the procedures outlined herein and in the DCMA. Brokers Insurance Group, LLC Designated Agent to receive notification of alleged infringement under the DMCA is Mitch Dunford
- Complaint Notice Procedures for Copyright Owners. A notice of alleged copyright infringement to the Designated Agent must include the following:
- An electronic or physical signature of the copyright owner or a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notice, a representative list of such works at that site.
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit Brokers Insurance Group, LLC to locate the material.
- Information reasonably sufficient to permit Brokers Insurance Group, LLC to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.
- A statement that the complaining party has a good faith belief that use of the material in the matter complained of is not authorized by the copyright owner, its agent, or the law.
- A statement that the information in the notice is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
- Failure to include all of the above information may result in a delay of the processing or the DCMA notification.
NOTICE AND TAKEDOWN PROCEDURE. It is expected that all users of any part of Brokers Insurance Group, LLC Web site will comply with applicable copyright laws. However, if Brokers Insurance Group, LLC is notified of claimed copyright infringement, or otherwise becomes aware of facts and circumstances from which infringement is apparent, it will respond expeditiously by removing, or disabling access to, the material that is claimed to be infringing or to be the subject of infringing activity. Brokers Insurance Group, LLC will comply with the appropriate provisions of the DMCA in the event a counter notification is received by its Designated Agent.
REPEAT INFRINGERS. Under appropriate circumstances, Brokers Insurance Group, LLC may, in its discretion, terminate authorization of users of its Web site or network who are repeat infringers.
ACCOMMODATION OF STANDARD TECHNICAL MEASURES. Brokers Insurance Group, LLC Journal policy to accommodate and not interfere with standard technical measures it determines are reasonable under the circumstances, i.e., technical measures that are used by copyright owners to identify or protect copyrighted works.
Contact Information:
Brokers Insurance Group, LLC
P.O. Box 1464
Rancho Cucamonga, CA 91729
Telephone: (888) 528-6510
Fax: (888) 528-6510
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