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By using this website, you acknowledge your agreement to the following without limitation or qualification. Please read this material carefully before using this website. These terms and conditions may be revised at any time, and you will be bound by such updates. In addition, we may periodically seek to reconfirm your consent to these or updated terms and conditions to ensure your familiarity with this material and if you do not reconfirm, you will lose all access to the website and any data you have input. Disclaimer To the fullest extent permissible pursuant to applicable law, the materials on this website and related communications such as emails (the ‘website’) are provided as is, and without warranties of any kind, either expressed or implied, including but not limited to implied warranties of mechantability and fitness for a particular purpose. We do not warrant that the functions contained will be uninterupted or error free, that defects will be corrected or that this website and IT infrastructure are free of viruses or other harmful things. We do not warrant or make any representations regarding the use or the results of the use of the website in terms of their accuracy, correctness, reliability or otherwise. You and not we assume the entire costs of all necessary corrections and other consequences. The information and descriptions contained in the website are not intended to be complete descriptions of all applicable insurance policy terms, conditions, exclusions and are provided solely for general informational purposes. Please refer to the actual policy or policies for a complete description. At any time, and for any reason, we may discontinue or change the website in any manner we deem appropriate. Third Party Content This website may be linked to other websites which we do not maintain through links, advertising or other means. We are not responsible for the content or actions of these other websites, including but not limited to their use of your data. The inclusion of any link to such websites does not imply our approval or endorsement of the content of such websites. We cannot guarantee that the links to such websites will be accurate when you use them. Accordingly, we assume no responsibility for the content of any website referenced by any hyperlink, advertisement or otherwise. We believe that our providing links to public web pages through hyperlinks, advertisements and other means is legally permissible and consistent with the common and customary expectations of internet users. Limitation of Liability While we use reasonable efforts to include accurate and up to date information on this website, errors or omissions do sometimes occur. In addition, the data models used to capture various aspect of an insurance policy never completely capture the actual coverage afforded by a policy and the language it contains. The extraction of information from PDF documents will always have a percentage of data elements that are inaccurately mapped, and it is possible that errors in mapping the data for a given policy are material. To the fullest extent permissible pursuant to applicable law, we make no representations or warranties as to the accuracy of the content of this website and under no circumstances including but not limited to negligence shall we or any party involved in creating, producing or delivering this website be liable to you for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use, the materials on this website even if we have been advised of the possibility of such damages. In addition, in no event shall our total liability to you for all damages, losses and causes of action exceed the amount paid by you for accessing this website or using any services we offer, which may be zero. We assume no responsibility and shall not be liable for any damages to, or viruses or other malware that may infect your computer equipment or other property as a result of your access to, use of, browsing in this website or your downloading of any materials including emails received by you. You may wish to seek professional advice from your insurer and/or insurance agent on any idea or other insurance matter on the website. Restrictions on Use of Materials We own and operate this website. Except as otherwise expressly permitted by us, no materials from this website may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download or print material displayed on this website for your personal use only, provided that you also retain all copyright and other proprietary notices contained in the materials. You may not distribute, modify, transmit, reuse, repost or use the content of this website for public or commercial purposes, including the text, images, audio and video without our prior written consent. Commercial use includes but is not limited to insurance companies, agents and brokers using the website with data from their customers or prospective customers. We do not warrant that your use of any materials in this website will not infringe on the rights of third parties. Prohibited Actions You cannot decompile, reverse engineer or create derivative works. Individuals (children) under the age of 18 may not use this website. 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Nothing contained on this website should be construed as granting by implication, estoppel or otherwise any license or right to use any trademark displayed, or any other content on this website without our prior written permission. Your use of the trademarks displayed on this website, or any other content we provide, is strictly prohibited. The use of these images by you or anyone else authorized by you, may violate copyright laws, trademark laws, privacy laws and other statutes and regulations. Software Licenses You acknowledge that any software which may be available or provide to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the US and other jurisdictions. You agree that you will not transfer or export such software in violation of the applicable laws and regulations. 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We reserve the right to provide aggregated data and individual data with your personally identifiable elements removed to others including, without limitation, net promoter scores for insurers and agents, policy language used in a given territory for various insurers and amounts paid for different types of coverage. We will periodically send you emails relating to this website. While we will try to limit the frequency of emails we send, there are certain circumstances including but not limited to unsuccessful login attempts for your account where we may send emails irrespective of any communication preference you have expressed. If you indicate to use that you do not wish to receive any emails from us, we may make your account read only, remove the ability to create ideas or delete the account in its entirety at our sole discretion without prior notification to you. Updates We reserve the right to change these Terms and Conditions at any time and for any reason. By continuing to use this website, you will be deemed to have accepted such changes even if you do not accept any update notifications we may choose to provide. If you do not accept any future update notification we provide, we reserve the right to immediately suspend your access to the website.