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TERMS OF USE
This web site (“Web Site”) is owned and maintained by
All-Cal Insurance Company (the “Company”), License #0B71044,
domiciled in California. Licensed in California and
Nevada 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) 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 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, nor are all Products and Services 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 INSURANCE PRODUCT OR OTHER PRODUCT OR SERVICE BY COMPANY. No insurance product or other product or service is offered or will be sold by the Company or, if sold by the Company, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the 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. Copyright
Except as otherwise expressly stated, all
Content and Software appearing on this Web Site are the
copyrighted work of 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 Company or their affiliates and is protected by
U.S. and international copyright laws. Service Marks
All 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 service marks, trade dress, or other logos from
this Web Site without the prior written authorization of the
Company.
With
the exception of any personal data or information you submit
(which shall be maintained in accordance with our Privacy
Statement), any information you transmit to 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. 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. 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 In connection with your use of the Web Site, you agree you will not (a) 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; or (b) Register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for any Product or Service if you are not expressly authorized by such party to do so. Hyperlinks to Third Party Web sites This Web Site may contain hyperlinks to other sites owned and operated by parties other than the Company. Such hyperlinks are provided only for ready reference and ease of use. We do not control such web sites and cannot be held responsible for their content or accuracy and do not endorse these sites unless we specifically so state. In the event this Web Site provides hyperlinks to other web sites that are not owned, operated or maintained by the Company, you acknowledge and agree that the Company is not responsible for and is not liable for the content, products, services or other materials on or available from such web sites. We accept no liability for any information, products, advertisements, content, services or software accessible through these third party web sites or for any action you may take as a result of linking to any such web site. Any such web sites are likely to set forth specific terms of use and privacy policies that you should review. The Company is under no obligation to maintain any link on this Web Site and may remove a link at any time in its sole discretion for any reason whatsoever. The Company shall not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such web site. The Company is not responsible for the privacy practices of any other web sites. Web Site Privacy Policy Our Web Site Privacy Policy 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 Policy. Modification to Services The Company may, at its discretion, modify or discontinue any of the Services, Products and Services, Content or Software, or any portion thereof, with or without notice. The Company will no be liable to you or any third party for any modification or discontinuance of any of the Services, 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 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. Notices
Any notices to you from the Company regarding the
Web Site or these Terms of Use will be posted on this Web
Site or made by e-mail or regular mail.
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. Entire Agreement These Terms of Use, the Privacy Statement, and other policies the Company may post on this Web Site constitute the entire agreement between the Company and you in connection with your use of this Web Site and the Content, Services and Software, and supersedes any prior agreements between the Company and you regarding use of this Web Site, including prior versions of these Terms of Use. Age and Location of User All information and content available on this Web Site are solely directed to individuals 18 years of age or older residing in the United States. The Company makes no representation that the Content, information, products, 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. Governing Law; Jurisdiction; Venue; Severability of Provisions The Terms of Use are governed by the laws of the State of Illinois, USA and controlling United States Federal Law without regard to any conflicts of law provisions. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect. 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. SEVERABILITY To the maximum extent possible, each of the disclaimers and each of the provisions of the Terms of Use shall be interpreted in such a manner as to be valid and enforceable under applicable law. If any provision hereunder is held to be invalid or unenforceable under applicable law, such provision shall be deemed modified so as to be rendered valid and enforceable while implementing, to the greatest extent possible, the original intent of such provision. If such reformation is not possible or permitted, the invalidity or unenforceability of such a provision shall not otherwise impact the validity or enforceability of the remaining provisions hereunder. WAIVER 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 The Company reserves the right to modify these Terms of Use without notice to you, and your continued use of the Web Site after such modifications will make such modifications binding on you. These Terms of Use are effective until terminated or updated by the Company. In the event of termination of these Terms of Use, the disclaimers and limitations of liabilities set forth in the Terms of Use will survive. The modified Terms of Use will apply only to disputes that arise after the modification has been posted on the Web Site. After the Terms of Use have been modified, the Web Site will provide a link to a Notification of Modification for Web Site users for a period of one (1) year after the effective date of such modification. CONTACTING US
If you have any questions about these Terms of Use, please
write to us at
Last Updated: October 5, 2010. |
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