Last Updated: Nov. 1,2024
Please read these Terms of Use (“Terms”) carefully before using the website www.insurancespecialistsgroup.com (“Website”). These Terms govern your access to and use of the Website, including any content, features, and services provided by Insurance Specialists Group (“we,” “us,” or “our”).
By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Website.
- Website Access and Use
1.1 Eligibility: You must be at least 18 years old or the legal age of majority in your jurisdiction to access and use our Website. By using the Website, you represent and warrant that you meet these eligibility requirements.
1.2 License to Use: Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website for your personal, non-commercial purposes.
1.3 Prohibited Conduct: When using the Website, you agree not to:
a) Violate any applicable laws, regulations, or third-party rights; b) Engage in any unauthorized or unlawful activities; c) Attempt to gain unauthorized access to the Website or its related systems or networks; d) Use the Website to transmit any viruses, malware, or other malicious code; e) Interfere with or disrupt the operation of the Website or its servers; f) Use any automated means, such as bots or scrapers, to access or collect information from the Website; g) Modify, adapt, translate, or create derivative works based on the Website or its content; h) Remove, alter, or obscure any copyright, trademark, or other proprietary notices displayed on the Website; i) Use the Website for any fraudulent, deceptive, or abusive purposes.
- Intellectual Property Rights
2.1 Ownership: The Website and its content, including but not limited to text, graphics, images, logos, trademarks, and software, are owned by or licensed to us and are protected by copyright and other intellectual property laws.
2.2 Limited Use: You are granted a limited, non-exclusive, non-transferable right to access and use the content on the Website solely for your personal, non-commercial purposes. You may not reproduce, distribute, modify, publicly display, or create derivative works of any content without our prior written permission.
- Disclaimer of Warranties
THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
- Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID, IF ANY, TO ACCESS THE WEBSITE.
- Indemnification
You agree to indemnify, defend, and hold harmless Insurance Specialists Group and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of the Website or any violation of these Terms.
- Modifications to the Website
We reserve the right to modify, suspend, or discontinue the Website, in whole or in part, at any time and without prior notice. We may also impose limits on certain features or restrict access to parts of the Website without liability or obligation to you.
- Third-Party Links
The Website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, goods, or services available on or through any third-party websites.
- Termination
We may terminate or suspend your access to the Website, at our sole discretion, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms. Upon termination, your right to use the Website will immediately cease, and any provisions of these Terms that should reasonably survive termination shall continue to apply.
- Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Website shall be resolved exclusively in the state or federal courts located in the appropriate jurisdiction.
- Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the extent necessary to render it enforceable while achieving the original intent of the provision. If no such modification is possible, the provision shall be deemed severed from these Terms, and all other provisions shall remain in full force and effect.
- Entire Agreement
These Terms constitute the entire agreement between you and Insurance Specialists Group regarding your use of the Website and supersede all prior and contemporaneous agreements, proposals, or representations, whether written or oral.
- Text and SMS Message Terms and Conditions
You may receive text messages from Insurance Specialists Group, regarding your upcoming appointments, requesting additional information for your meeting, requesting additional information to add to an application or potential policy, in response to questions you have, or for help you have requested.
The frequency of these messages will vary and be related to the services we are providing to you. OPTING OUT – You can cancel SMS service at any time. Just reply STOP. Once you reply STOP to us, we will send a message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the word HELP for more assistance, or you can get help directly by emailing michelle@insurancespecialistsgroup.com.
Carriers are not liable for delayed or undelivered messages, and as always, message and data rates may apply for any messages exchanged with this number. If you have any questions about your text or data plan, contact your phone provider.
If you have any questions regarding privacy, please read our privacy policy here.
- Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Insurance Specialists Group 1307B South Maple Grove Road, Boise, ID, 83709 519 South Main Street, Hailey, ID, 83333 Email: info@insurancespecialistsgroup.com
By using our Website, you agree to be bound by these Terms of Use.