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SITE TERMS AND CONDITIONS

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GENERAL INFORMATION

N O T I C E
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE OR ANY OF THE PAGES OR SCREENS CONTAINED WITHIN THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY OF ITS PAGES OR SCREENS.

COPYRIGHT PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. 2000 to 2018. ALL RIGHTS RESERVED.

Copyright in the pages and in the screens displaying the pages and in the information and material therein and in their arrangement, is owned by PersonalUmbrella.com Insurance Services, Inc. unless otherwise indicated. Permission to utilize this site is granted for non- commercial, or educational purposes. Permission is also granted to describe this document, but not to reproduce, download, disseminate, publish or transfer, in any form or by any means, all or any portion of this site without the written permission of and with express attribution to PersonalUmbrella.com Insurance Services, Inc..

TRADEMARKS and TRADE NAMES
PersonalUmbrella.com Insurance Services, Inc. and MainStreetUmbrella.com and Navigators Group claim trademark and service mark rights in other marks contained in the pages or screens of this site.

DOWNLOADABLE SOFTWARE.
Any software or file that is made available to download from this server ("Software") is the copyrighted work of PersonalUmbrella.com Insurance Services, Inc. and/or its suppliers. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). An end user will be unable to install any Software that is accompanied by or includes a License Agreement, unless the terms of the License Agreement are first agreed to.

The Software is made available for downloading solely for use by end users according to the License Agreement. Any reproduction, redistribution or manipulation of the Software not in accordance with the License Agreement is expressly prohibited by law. PersonalUmbrella.com Insurance Services, Inc. disclaims all warranties, including as provided in the Warranties terms below, except as warranted by PersonalUmbrella.com Insurance Services, Inc. in the License Agreement.

RESTRICTED RIGHTS LEGEND. Any Software which is downloaded from this Server for or on behalf of the United States of America, its agencies and/or instrumentalities ("U.S. Government"), is provided with Restricted Rights. Use, duplication, or disclosure by the U.S. Government is subject to restrictions as set forth in subparagraphs (c)(1) and (2) of the Commercial Software-Restricted Rights at 48 CFR 52.227-19, as applicable.

NO WARRANTIES OR GUARANTEES.
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. DOES NOT WARRANT THE ACCURACY, ADEQUACY, TIMELINESS OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS AND OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS. THERE ARE NO WARRANTIES OR GUARANTEES THAT ANY INFORMATION DIRECTLY OR INDIRECTLY TRANSMITTED TO OR FROM THIS SERVER IS SECURE AND THAT ANY INFORMATION CONVEYED WILL BE PRIVATE

LIMITATION OF LIABILITY.
IN NO EVENT WILL PERSONALUMBRELLA.COM INSURANCE SERVICES, INC., ITS PARENTS, SUBSIDIARIES OR AFFILIATES, OR THEIR DIRECTORS, OFFICERS OR EMPLOYEES, BE LIABLE FOR ANY DAMAGES, (INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES) LOSSES, EXPENSES OR TAXES ARISING IN CONNECTION WITH THIS SITE OR ITS CONTENT, OR USE THEREOF, OR INABILITY TO USE, BY ANY PERSON, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PERSONALUMBRELLA.COM INSURANCE SERVICES, INC., OR ANY REPRESENTATIVES OF IT, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, EXPENSES OR TAXES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED AND OTHER LINKS PROVIDED BY OR THROUGH THIS SITE ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY PERSONALUMBRELLA.COM INSURANCE SERVICES, INC..

SUBMISSIONS.
All information and graphics submitted to PersonalUmbrella.com Insurance Services, Inc. via this site shall be deemed and remain the property of PersonalUmbrella.com Insurance Services, Inc. and PersonalUmbrella.com Insurance Services, Inc. shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides PersonalUmbrella.com Insurance Services, Inc. through this site. PersonalUmbrella.com Insurance Services, Inc. shall not be subject to any obligations of confidentiality regarding submitted information, except as agreed by the PersonalUmbrella.com Insurance Services, Inc. entity having the direct customer relationship or as otherwise specifically agreed or required by law.

JURISDICTION.
Access to and retrieval of non-proprietary content from this site is voluntary and unrestricted. This site is not a solicitation by PersonalUmbrella.com Insurance Services, Inc. of any individual, group, entity or market in any particular jurisdiction. By virtue of maintaining this passive site, PersonalUmbrella.com Insurance Services, Inc. shall not be construed to be doing or transacting business or otherwise being subject to the jurisdiction of any governmental authority in which the user, or this or any linked site server vendor or internet provider is resident, domiciled or located. Not all products are available for sale or purchase as generically described herein and not all of the Diamon State insurance companies are admitted in every state and for every line of insurance. Some products are only offered on a non-admitted basis, pursuant to law.

APPLICATION AND POLICIES.
PersonalUmbrella.com Insurance Services, Inc. does not sell insurance or solicit applications for insurance through this site. Policies, applications and related information are provided solely for informational purposes when actively sought by the user. Coverages will vary depending upon individual state law requirements and may be unavailable in some states. Check with your broker or PersonalUmbrella.com Insurance Services, Inc. agent for further information. Applications are only provided to licensed agents, brokers, or surplus lines brokers for PersonalUmbrella.com Insurance Services, Inc. insurance companies licensed or eligible to write surplus lines in the State Availability List.

PersonalUmbrella.com Insurance Services, Inc. is not responsible for any manipulated, altered, revised, or printed versions of the information provided within or by this site or any linked site.

COVERAGE
ANY SUMMARY OF COVERAGE IS GENERALLY DESCRIPTIVE OF TERMS THAT MAY BE AVAILABLE. ACTUAL COVERAGE IS DETERMINED ONLY PURSUANT TO THE TERMS AND CONDITIONS OF THE POLICY THAT IS ISSUED BY THE PERSONALUMBRELLA.COM INSURANCE SERVICES, INC. COMPANIES.


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