LEGAL INFORMATION

Online Service Agreement

Please read this agreement carefully before accessing or using our Internet service. By accessing or using our service, you agree to be bound by the terms, and conditions set forth herein, and acknowledge that you understand all the terms including the disclaimer statements.

If you do not agree to be bound by the terms and conditions of this agreement, you are prohibited from accessing or using our service.

We may modify this agreement at any time with or without notice to you, and such modification will become effective immediately.

We maintain this site for your personal information, education and non-commercial use. Use of the terms "our" or "us" or "we" throughout this document shall include Palm Beach Insurance Group, Inc. and /or any of our agents, affiliates, employees, and contractors involved in creating, producing, or delivering the site to your computer.

Terms & Conditions For Our Site
The following paragraphs on this page, as well as our Privacy Statement and Site Security Statement describes the Terms and Conditions on which we offer you access to our services.

Please feel free to browse, communicate with, and otherwise use the site. At the same time, please keep in mind that your access to this site is subject to the terms and conditions we establish ("Terms") as well as applicable laws.

We may revise the Terms and Conditions at any time by updating this site. You are bound by such revisions and therefore you should review this site from time to time.

No Warranties For Our Site
We use reasonable methods to include accurate and up-to-date information on the site. Because of the possibility of human and mechanical error as well as other factors, we disclaim any implied warranty of any of any kind, including of representation about its accuracy, completeness, or appropriateness or fitness for a particular purpose, and noninfringement.

You assume full responsibility for using the information on this site, and you understand and agree that we are neither responsible nor liable for any claim, loss, or damage resulting from its use. You agree to use our site on an "AS IS" and an "AS AVAILABLE" basis. All faults as to satisfactory quality, performance, accuracy and effort remain with you.

Our mention of specific products or services at this site does not constitute or imply a recommendation or endorsement by us, unless we explicitly state it.

No Liabilities For Our Site
We will not be liable for any delay, difficulty in use, inaccuracy or incompleteness of information, computer viruses, malicious code, loss of data, compatibility issues, or otherwise. We will not be liable even if someone has advised us of the possibility of such damages or loss, and/or someone has informed us of a problem with the site or its content. You use the site at your own risk. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to our site, or any other link we provide to another site.

By using our site, you accept at your own risk that the Internet may not perform as intended despite our best efforts, your best efforts, and the best efforts of our anf your Internet service providers.

Ownership, License and Restrictions on Use of Materials
As between us and you, all right title and interest (including all copyrights, trademarks and other intellectual property rights) in this site belong to us (Palm Beach Insurance Group, Inc. and or its subsidiaries or affiliates), our licensors, or listees. In addition, the names, images, pictures, logos and icons identifying our products and services are proprietary marks that belong to us. Except as expressly provided below, nothing contained herein shall be construed as conferring any license or right, by implication, estoppel or otherwise, under copyright or other intellectual property rights.

You are hereby granted a nonexclusive, nontransferable, limited license to view and use information retrieved from this site provided solely for your personal information, education, and non-commercial use, and provided you do not remove or obscure the copyright notice or other notices. Except as expressly provided above, no part of this site, including but not limited to materials retrieved therefrom and the underlying code, may be reproduced, republished, copied, transmitted, or distributed in any form or by any means. In no event shall materials from this site be stored in any information storage and retrieval system without prior written permission from us.

As an individual, you may, for personal use, bookmark or point to any page within our site. Other users and sites may include a link only to our sites homepage, PalmBeachInsGroup.com. We prohibit linking to other content within our site without express written permission. This license expressly prohibits the framing of our content in any way. It also prohibits any other activity that may create a misimpression or confusion among users with respect to sponsorship or affiliation.

Your Idea Submissions to Our Site
Apart from personal information, which we address through our Privacy Statement, information you submit to us through our site or otherwise, will become and remain our property. For example, we may use one of your questions in a future version of our Frequently Asked Questions (FAQ).

You agree that we are free to use, for any purpose, any ideas, concepts, expertise, or techniques contained in the information you provide for any purpose whatsoever.

Your use of this site allows us to gather certain limited information about you and your usage of the site. You agree and consent to our use of such information in aggregated form.

Site System Integrity
You may access our system for normal use. You may not use any device, software, routine or agent to interfere or attempt to interfere with the proper working of our site. You may not take any action, which imposes an unreasonable or disproportionately large load on our infrastructure. You may not disclose or share your password to or with third parties or use your password for any unauthorized purpose. You may not attempt to log in with a User Name other than your own.

Links Referenced Out Of The Site
While visiting our website, you may leave the site and access certain non PalmBeachInsGroup.com sites. We provide links to other sites solely as pointers to information on topics that may be useful to you. We do not endorse, and are not responsible for the content and accuracy of these sites. We also do not warrant these sites are free from any claims of copyright, trademark, or other infringement of the rights of third parties, or that such sites are free of computer viruses. We are also not responsible for the contents of any site linked to our site.

If you try one of these links, a new window will open, and you will leave our site (but you can return closing your browser).

Governing Law; Legal Jurisdiction; and Statute of Limitations
The laws of the State of Florida govern this Agreement, without regard to conflict of law principals, your access to and use of our site and the Terms of this Online Service Agreement. You submit to the exclusive jurisdiction of the courts in the State of Florida and waive any jurisdictional venue or inconvenient forum objections to such court.

Before seeking legal recourse for nay harm you believe you have suffered from your access to our site, you will give us written notice specifying the harm and 30 days to cure the harm after providing such notice. In the event that you believe our site has irreparably harmed you, you agree to inform us (PalmBeachIns
Group.com) and give us (30) days to cure the harm before initiating any action. You must initiate any cause of action within one (1) year after the claim has arisen, or you will be barred from pursuing any cause of action.

Online Service Agreement Termination
Either party may cancel this agreement at any time.

We may immediately issue a warning, temporarily suspend, indefinitely suspend, or cancel our Agreement with you and your access if, in our sole discretion, you breach this agreement.

Upon termination of this Agreement, you agree to destroy all materials obtained from our site, as well as all related documentation, copies, and installations, whether or not made under this Agreement.