ACCEPTANCE OF TERMS
This Web Site is owned and maintained by Howic & Hill Insurance Group and/or one or more of its affiliates (the “Owner”, “we”, “us” or “our”) within the Howic & Hill Insurance Group of insurance companies (collectively, “Howic & Hill Insurance Group”). Howic & Hill Insurance Group is composed of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions around the world. Howic & Hill Insurance Group also includes companies that provide services to the insurance industry and other customers.
This Web Site provides users with access to an online collection of information and materials. These materials may include insurance applications and policy forms and other information related to certain insurance products and services (“Products and Services”) offered by providers of insurance and insurance-related services operating within Howic & Hill Insurance Group. The Web Site also contains text, pictures, graphics, logos, button items, images, works of authorship, and other information (collectively, “Content”), and may provide access to certain proprietary software used in connection with navigating and utilizing the functionality offered through this Web Site (“Software”).
PLEASE NOTE: Your access to and use of this Web Site (as well as any other web sites owned by Howic & Hill Insurance Group) are subject to the following Terms of Use, as well as all applicable laws and regulations. Please read these terms carefully. If you do not accept and agree to be bound by any of these terms or conditions you are not authorized to access or otherwise use this Web Site or any Content, Services or Software contained on this Web Site. Your access to and use of this Web Site constitute your acceptance of and agreement to abide by each of these terms and conditions set forth below.
These Terms of Use may be changed, modified, supplemented or updated by the Owner from time to time without advance notice. Unless otherwise indicated, any new Products and Services, Content and Software added to this Web Site will also be subject to these Terms of Use effective upon the date of any such addition. You are encouraged to review the Web Site periodically for updates and changes.
The information contained on this Web Site is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.
ACCESS AND CONTENT
Limited License and Site Access
The Owner 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 the express written consent of the Owner. This license does not include any resale or commercial use of this Web Site or its contents; any collection or 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. Neither this Web Site nor any portion of it may be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose without the express written consent of the Owner. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information of Howic & Hill Insurance Group without prior written consent. Any unauthorized use terminates the permission or license granted.
Availability of Products and Services
Due to various insurance and regulatory restrictions, certain Products and Services described on this Web Site are not available to all users. Products and Services may vary by jurisdiction and may not be offered by all Howic & Hill Insurance Group companies.
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 SERVICE BY HOWIC & HILL INSURANCE GROUP.
OWNERSHIP & RESTRICTIONS
Copyright
Except as otherwise expressly stated, all Content and Software appearing on this Web Site are the copyrighted work of Howic & Hill Insurance Group or third-party content suppliers and are protected by applicable copyright laws.
Trademarks
Certain trademarks, including “HOWIC & HILL INSURANCE GROUP”, logos, page headers, and graphics are the property of Howic & Hill Insurance Group. All other trademarks are the property of their respective owners.
SECURITY & CONTROL
Password Accounts
You are responsible for maintaining the confidentiality of your account and password and for all activities under your account. Howic & Hill Insurance Group is not liable for unauthorized use of your account.
Monitoring
We reserve the right to monitor usage of this Web Site and remove any content deemed inappropriate or unlawful.
THIRD-PARTY LINKS
This Web Site may contain links to external websites not owned or controlled by Howic & Hill Insurance Group. We are not responsible for their content or accuracy.
GENERAL PROVISIONS
Disclaimer
All information is provided “as is” without warranties of any kind. Howic & Hill Insurance Group does not guarantee accuracy or completeness.
Limitation of Liability
Howic & Hill Insurance Group shall not be liable for any damages arising from use of this Web Site.
Governing Law
These Terms are governed by applicable laws of the jurisdiction in which Howic & Hill Insurance Group operates.
ENTIRE AGREEMENT
These Terms of Use constitute the full agreement between the user and Howic & Hill Insurance Group regarding use of this Web Site.