Legal Disclaimer

Acknowledgement and Acceptance of Terms

Kamm Insurance Group (referred to as “us” or “we”) provides the www.kammgroup.com site (the “Site”) subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the “Terms of Use”). In addition, when using particular services on the Site, users shall be subject to any posted guidelines or rules applicable to such services that may contain terms and conditions in addition to those in the Terms of Use. By using any feature on the Site, you are acknowledging your consent to the Terms of Use. If you do not wish to be bound by the Terms of Use, please exit the Site now.

We reserve the right to change the Terms of Use from time to time without notice to you. You acknowledge and agree that it is your responsibility to review the Site and the Terms of Use periodically to learn of any modifications. Your continued use of the Site after the posting of any modifications shall constitute your agreement to be bound by such modified Terms of Use. All insurance products referred to in this Web site are subject to availability and qualifications. Other terms, conditions and exclusions may apply. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.

We may modify, suspend, discontinue or restrict the use of the Site, any portion thereof or any content at any time with or without notice to you. As used in the Terms of Use, “content” shall mean any information, communication, software, photos, video, graphics, music, sounds, and other material and services that can be viewed by users on the Site.

Use of Site

Your use of the Site is subject to all applicable laws and regulations. We authorize you to view or download a single copy of the Site content solely for your personal, noncommercial use. You may not copy, reproduce, sell, publish, transmit, modify, display, repost, hyperlink or otherwise use or distribute any portion of the content for public or commercial purposes and you are solely responsible for obtaining permission before reusing any copyrighted material or any trademark or trade name that is available on the Site. Not all areas of the Site may be available to you. You may not interfere with anyone else’s use of the Site. Any unauthorized use of the Site content may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties.

Not Intended for Use by Minors

The Site is not intended or designed for children under the age of 18. We will not knowingly collect information from users in this age group.

User Submissions

If you make any submission to us, you agree that you will not send or transmit any communication or content that (i) is defamatory, indecent, harassing or otherwise objectionable; (ii) infringes or violates any rights of any party; or (iii) contains a virus or corrupted data.

All e-mail and other correspondence that you submit to us shall become our sole and exclusive property.

If you submit any business information, idea, concept or invention to us, such submission shall be considered (i) non-confidential; and (ii) our sole and exclusive property. We will have no obligation of any kind with respect to the submission and we will be free to use or further transmit such submission for any purpose.

Disclaimer of Warranties and Limitation of Liability

THE SITE AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, CURRENTNESS, FREEDOM FROM INTERRUPTION OR VIRUSES, AND NON-INFRINGEMENT.

IN NO EVENT SHALL WE OR OUR OFFICERS, MANAGERS, MEMBERS, EMPLOYEES, AGENTS, LICENSORS OR CONTENT PROVIDERS (OUR “AFFILIATES”) BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, RESULTING FROM THE USE OR INABILITY TO USE THE SITE OR THE CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE OR OUR AFFILIATES ARE ADVISED ON THE POSSIBILITY OF SUCH DAMAGES.

Insurance quotes/coverages. Changes to coverage

None of the information contained on the Site or communications through the Site should be viewed as an offer to sell or purchase or as a solicitation to sell or purchase any of our products or services. Rather, the information on our products and services is provided to you so that you can learn what products we generally offer. We may make improvements and/or changes in the products, services and/or programs described on the Site at any time without notice.

At this time, on-line quotes may not be available at all or may not be available for all states or provinces, products, services or coverage selections. All quotes, if any, generated by the Site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on the Site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to us. All applications are subject to underwriting approval. Coverages and availability may vary by state or province; and additional minimum coverage limits may be available in your state.

Your coverage may not be changed, amended, modified, terminated, or supplemented via the Site.

Links

We may provide links to third-party websites. We do not recommend or endorse the content of any third-party websites. We are not responsible for the content of linked third-party websites and we do not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such website.

Termination and Indemnity

You agree that we may, at any time, and at our sole discretion, terminate your account or suspend or prohibit your access to the Site without prior notice to you for violating any of the Terms of Use or for any other reason whatsoever.