Please Read Carefully Before Using This Website:
 
Insurance Partners, Lubbock, Texas, maintains this site for information and business communication purposes. This Webpage contains the Terms of Use governing your access to and use of the company Website (the "Website" or "Site"). Additional terms and conditions may appear on specific pages or in other regions of the Site, for particular services or transactions; those additional terms and conditions, together with the Terms of Use described herein, govern your use of the Site and all related services or transactions. All applicable terms and conditions anywhere within our Site collectively comprise the Terms of Use. If you do not accept these Terms of Use or you do not meet or comply with their provisions, you may not use the Website.
 
A. TERMS APPLICABLE TO ALL USERS
 
1. Overview
 
YOUR USE OF THIS WEBSITE IS EXPRESSLY CONDITIONED UPON YOUR ACCEPTING AND AGREEING TO THESE TERMS OF USE.
 
For users who are not registered with this Website (if any such registration services are in place), your use of the Website will be deemed to be acceptance of the Terms of Use, Section A.
 
For users who are registered with the Website, your use of the Website shall be subject to (i) certain designated terms (see Section B below) in addition to those terms applicable to all users and (ii) shall be further conditioned on your clicking the "I AGREE TO THE TERMS OF USE" button as and when presented on any page within the Site.
 
IF THESE TERMS OF USE ARE NOT COMPLETELY ACCEPTABLE TO YOU, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS WEBSITE.
 
2. Changes To Terms
 
Insurance Partners may, at any time, for any reason and without notice, make changes to (i) this Website, including its look, feel, format, and content, as well as (ii) the products and/or services as described in this Website. Any modifications will take effect when posted to the Website. Therefore, each time you access the Website, you need to review the Terms of Use upon which access and use of this Website is conditioned. By your continuing use of the Website after changes are posted, you will be deemed to have accepted such changes.
 
3. Jurisdiction
 
The Website is primarily directed to those individuals and entities located in the United States. It is not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Website and its content, including its products and services, are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the information on this Website. Insurance Partners makes no representation that the information, opinions, advice or other content on the Website (collectively, "Content") is appropriate or that its products and services are available outside of the United States. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
 
4. Scope of Use and User E-Mail
 
You are only authorized to view, use, copy for your records and download small portions of the Content (including without limitation text, graphics, software, photos, and any audio and video files) of this Website for your informational, non-commercial use, provided that you leave all the copyright notices, including copyright management information or other proprietary notices intact.
 
You may not store, modify, reproduce, transmit, reverse engineer or distribute a significant portion of the Content on this Website, or the design or layout of the Website or individual sections of it, in any form or media. The unauthorized systematic retrieval of data from the Website is also prohibited.
 
E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any information. Also, please consult our Privacy Policy. You agree not to submit or transmit any e-mails or materials through the Website that: (i) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws. Insurance Partners shall not be subject to any obligations of confidentiality regarding any information or materials that you submit online except as specified in these Terms of Use, or as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
 
The commercial use, reproduction, transmission or distribution of any information, software or other material available through the Website without the prior written consent of Insurance Partners is strictly prohibited.
 
5. Copyrights and Trademarks
 
The materials at this Site, as well as the organization and layout of this site, are copyrighted and are protected by United States and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non-commercial use; however, any print out of this Site, or portions of the Site, must include Insurance Partners copyright notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Site without the prior written permission of Insurance Partners.
 
Except as expressly provided under the "Scope of Use" Section above, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website without the prior written permission of Insurance Partners. You may not use a part of this Website on any other Website, without the prior written consent of Insurance Partners.
 
Insurance Partners respects the intellectual property rights of others and expects our users to do the same. The policy of Insurance Partners is to terminate the accounts of repeat copyright offenders and other users who infringe upon the intellectual property rights of others (if we offer and operate an account system). If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at info@ins-partners.com.
 
6. Links
 
For your convenience, we may provide links to various other Websites that may be of interest to you and for your convenience only. However, Insurance Partners does not control or endorse such Websites and is not responsible for their content nor is it responsible for the accuracy or reliability of any information, data, opinions, advice, or statements contained within such Websites. Please read the terms and conditions or terms of use policies of any other company or website you may link to from our website. This Terms of Use policy applies only to the Insurance Partners website and the products and services of Insurance Partners. If you decide to access any of the third party sites linked to this Website, you do so at your own risk. Insurance Partners reserves the right to terminate any link or linking program at any time. Insurance Partners disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such sites.
 
You may not link to this Website without Insurance Partners written permission. If you are interested in linking to this Website, please contact info@ins-partners.com.
 
7. No Unlawful Or Prohibited Use
 
As a condition of your use of the Website, you warrant to Insurance Partners that you will not use the Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use this Website in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
 
8. Spamming
 
Gathering email addresses from the Insurance Partners site through harvesting or automated means is prohibited. Posting or transmitting unauthorized or unsolicited advertising, promotional materials, or any other forms of solicitation to other Users is prohibited. Inquiries regarding a commercial relationship with Insurance Partners should be directed to: info@ins-partners.com.
 
9. No Warranties
 
THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN "AS IS," "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, CERTAINTY OF AVAILABILITY OR UNAVAILABILITY OF ANY SERVICE, INSURANCE OR FINANCIAL PRODUCT, FITNESS FOR A PARTICULAR PURPOSE, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH INSURANCE PARTNERS EXPRESSLY DISCLAIMS. INSURANCE PARTNERS DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE.
 
WHILE IN SOME CASES, IMAGES OF PEOPLE, LOCATIONS, PROPERTY AND/OR STAFF OR PERSONNEL AND/OR ANY OTHER SERVICE OR PRODUCT ON THE SITE MAY REPRESENT ACTUAL PERSONS, LOCATIONS OR STAFF CONNECTED WITH OUR COMPANY (AND SAID IMAGES MAY OR MAY HAVE NOT BEEN ADJUSTED FOR AESTHETIC APPEAL, TO CORRECT PHOTOGRAPHIC FLAWS, OR TO PROPERLY EMPHASIZE CONTENT), ALL IMAGES ARE PURELY REPRESENTATIVE, AND MAY OR MAY NOT INDICATE ANY ACTUAL CUSTOMERS, LOCATIONS, STAFF, PRODUCTS OR SERVICE AVAILABLE OR OFFERED, PAST, PRESENT OR IN THE FUTURE, OR THAT ARE/WERE OR ARE NOT/WERE NOT THE ORIGINAL WORK OF INSURANCE PARTNERS.
 
INSURANCE PARTNERS MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY INSURANCE PARTNERS. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
 
10. Governing Law, Location and Miscellaneous
 
These Terms of Use shall be governed in all respects by the laws of the State of Texas, USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
 
11. Separate Agreements
 
You may have other agreements with Insurance Partners. Those agreements are separate and in addition to these Terms of Use. These Terms of Use do not modify, revise or amend the terms of any other agreements you may have with Insurance Partners.
 
12. DMCA Copyright Policy and Copyright Agent
 
Insurance Partners respects the intellectual property rights of others. If you believe something on this Site has infringed your intellectual property rights, please notify us and provide the following information:
 
(i) A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.(ii) Identification of the copyrighted work claimed to have been infringed.(iii) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled.(iv) Address, telephone number, and, if available, an electronic mail address where we may contact you.(v) A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.(vi) A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
 
The Site's Copyright Agent can be reached at:
 
Insurance Partners
7335 W. 82nd Street, Suite 4
Lubbock, TX 79424
info@ins-partners.com
 
13. U.S. Resident
 
You represent that you are a United States resident, unless specific circumstances, in other business arrangements with Insurance Partners, clearly indicate that you are a resident of another country or jurisdiction, and that, in contacting, communicating with, or attempting to do business or any other transaction with Insurance Partners, that such interaction by you or your representatives is not contrary to all applicable laws, regulations and/or treaties governing you, those you represent, or any other associated party.
 
14. No Professional Advice
 
The information contained in this site is not intended nor implied to be a substitute for financial or legal advice relating to your specific situation.
The information available on the Website is intended to be a general information resource regarding the matters covered, and is not tailored to your specific circumstance. You should not construe this as legal, accounting, financial, risk management, insurance or other professional advice. This Website is not intended for use by minors except for purely informational purposes about our services in general; any such use is to be under appropriate adult or parental supervision. YOU SHOULD EVALUATE ALL INFORMATION, OPINIONS AND ADVICE AVAILABLE ON THIS WEBSITE IN CONSULTATION WITH YOUR LEGAL, TAX, FINANCIAL OR OTHER ADVISOR, AS APPROPRIATE.
 
Further, any description of coverage on this site does not represent any coverage provided on any insurance policy you may have purchased through this agency, or any current or future policy you may own. To confirm the coverage provided on a specific policy you currently own or are considering purchasing, you should contact the agency or insurance carrier that issued, or may issue, the policy. In addition, for complete coverage details, including conditions, limits and losses not covered, read your policy and all endorsements.
 
No coverage can be bound nor changes made to your new or existing policy unless you have received a written binder of insurance from our office. A form submitted from this site does not constitute a binding coverage agreement.
 
15. Email Communication
 
We try to answer every email in a timely manner, but are not always able to do so and offer no guarantees regarding any timeliness in responding to email or any other communication transacted by this site.
 
16. Arbitration
 
Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Insurance Partners confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Terms of Use or this Website shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association, or as governed by applicable State of Texas insurance regulations. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in Texas, USA.
 
All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.
 
Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.
 
17. Limitation of Liability
 
YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. INSURANCE PARTNERS SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF INSURANCE PARTNERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC SERVICES OFFERED BY INSURANCE PARTNERS. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.
 
18. Indemnity
 
You agree to defend, indemnify, and hold Insurance Partners, its officers, managers, employees, agents, licensors, carriers and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from a decision made or action taken in reliance on the information contained herein, or resulting from, or alleged to result from, your violation of these Terms of Use.
 
B. ADDITIONAL TERMS APPLICABLE ONLY TO REGISTERED USERS OR USERS WHO SUBMIT REQUESTS THROUGH ANY ELECTRONIC FORM ON THE SITE
 
19. Accounts And Security
 
Insurance Partners does not warrant that the functions contained in the service provided by the Website will be uninterrupted or error-free, that defects will be corrected or that this service or the server that makes it available will be free of viruses or other harmful components.
 
Users who submit their e-mail addresses for inclusion on a mailing list or lists agree to furnish their own address, or if it is not their own, that they legally represent the address, or those connected to it, and that such use is authorized. Insurance Partners is not responsible for the inappropriate submission by others of e-mail addresses through its on-line automated response forms; Insurance Partners will, in good faith, attempt to remove e-mail addresses, when so requested by their legitimate owners, from company lists.
 
All use of any electronic response or request form is at the election of the User, and the User agrees to hold Insurance Partners harmless for any action, non-action, result, non-result or other activity related to the submission. Such forms are intended to be mechanisms of communication convenience and are not meant to be binding in anyway whatsoever, and should not be construed as such. Insurance Partners is not responsible if, for whatever reason, such submissions do not properly arrive at their intended destination. Users are responsible for whatever information they include in any such submission. Insurance Partners reserves the right to reject, deny, delete or block any submission which it deems, for whatever reason, to be objectionable, harassing, inappropriate, or illegal, with or without any communication or notice back to the original User, or any other party or Users acting in conjunction with or on their behalf.
 
As part of any registration processes (if any), each user will select a password ("Password") and Login Name ("Login Name"). You shall provide Insurance Partners with accurate, complete, and updated Account information. Failure to do so shall constitute a breach of this Terms of Use, which may result in immediate termination of your Account.
You may not:
 
—select or use a Login Name of another person with the intent to impersonate that person;
—use a name subject to the rights of any other person without authorization; —use a Login Name that Website, in its sole discretion, deems inappropriate or offensive.
 
You shall notify Insurance Partners of any known or suspected unauthorized use(s) of your Account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password. You shall be responsible for maintaining the confidentiality of your password.
Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your Account, at Insurance Partners sole discretion, and you may be reported to appropriate law-enforcement agencies.
 
20. Contact Information
 
If you have any questions or concerns regarding these Terms of Use, please contact: info@ins-partners.com